davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been contacting the company about my current situation I have been trying to get to investigate this matter but I guess I should now ask for the help of the authorities to get the matter resolved. Now Please remove the negative items while the FTC are doing the investigation.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00}, Original Creditor XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$500.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$4300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC (CA)

My indigo MasterCard had a fraudulent charge on it I looked up the website that was on my mobile app and it was the same one they got me today quick performance active or creative not sure you tell the website and they say its a scam we get calls all the time and theyre ruining our business they call me back to have me help them or their lieing either way my indigo card they were supposed to cancel and send me a new XXXX XXXX weeks max I never got the card a month and a half or so more later but kept getting even the bills and they were different and then they would be more and then I would call and then they really go thats not right let me talk to my supervisor and then they would hang up on me or they keep me on hold so long that I had no choice in the matter of XXXX weeks simple disputes hey can you please block this from ever happening again you see this charge from this place dont let it go through I dont know how its happening but my credit score was a XXXX and now its at XXXX and they want me to pay them because I canceled the account. And theyre trying to get me for the car and I had prior and the car to head after but never came thats for indigo platinum MasterCard with the XXXX XXXX dollar limit from XXXX XXXX I have no problem paying them but I dont trust them especially since I just got a new bank with the credit union and I dont want to have that information compromised because Ive been getting financially ruined due to these cards and I were to know if yours to get my credit score up and then just have a drop because somebody doesnt want to do their job right or theyre overwhelmed or whatever but I have evidence to prove everything and I dont think me wanting to give them my new bank information because I dont trust them XXXX out of the ordinary request XXXX pay them with a prepaid card thats not an option they said do you want to bank and routing number its not fair Im about to quit and give up! They should both consider the counts paid in full Theyrecord all phone calls And I had information and I wanted to see if they had up-to-date information and they didnt if I was to close my account The day would it cost me an extra XXXX bucks ive been unemployed since XX/XX/2021 but I still manage to pay all my bills {$2500.00} a month by myself I work too hard to have people like this not care
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (GA)

Penn Credit Corp is reporting a collection on my XXXX, XXXX, and XXXX XXXX XXXX for a debt that they do not own. The original creditor is The City of XXXX and they own the debt but Penn Credit is reporting and attempting to collect on a debt that they do not own and has been Paid In Full to the original creditor, City XXXX XXXX in full. They are also adding fees of XXXX which is not owed to the city of XXXX and they do not own the debt that has been paid in full to the original creditor and is reporting to my credit bureaus. Per telephone discussion, they should be removing the collection from all three credit bureaus. There is no outstanding debt owed to The City XXXX  XXXX as the {$260.00} balance owed to them has been paid. On XX/XX/2022, I spoke with Penn Credit who advised that they have the ability to remove the listing on my credit report. I also spoke with XXXX, a manager at the city XXXX XXXXXXXX who advised that she spoke with Penn Credit Corp and confirmed that they have the ability to remove the listing they are reporting for a debt that has been paid to the original creditor in which Penn Credit doesn't own. 
Prior to XX/XX/2022, I have never communicated with Penn Credit or received any written correspondence. They clearly sent items to an incorrect or old address as I never received anything from them. I contacted them by retrieving their number from their listing on my credit file. The city XXXX XXXX also has the ability to pull this from collections as they have been paid. They sent me the portal screenshot showing that Penn Credit had a bad address for me which is why I never received anything from them. I have requested Removal from all three credit bureaus as Penn Credit is reporting debt they do NOT legally own that has been paid to the original creditor that doesn't exist as it has been paid.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NY)

We were offered a home forbearance during Covid and was told it would be added to the end of our mortgage which would be extended in years. Our mortgage was transferred 3 times during covid and now Fay servicing is saying we owe the full amount or XXXX or they are going to change our locks. They have disabled my login and iam unable to get statements and my tax information. I have called and left vm. No one will call me back.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$0.00} XXXXXXXX XXXX  : XXXX -- -> : {$5600.00} XXXX XXXX : XXXX -- -> : {$440.00} XXXX XXXX XXXX : XXXX -- -> : {$530.00} XXXX XXXXXXXX : XXXX -- -> : {$400.00}
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I recently received some emails from Bank of America stating I opened two account with them. One of them was for savings and the other apparently for sales. It seems like someone is using my SSN to apply for this, I wish to take further actions. I called Bank of America and I was told I will receive a letter any time soon.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I've contacted XXXX XXXX XXXX XXXX XXXX XXXX  NUMEROUS OF TIMES in demand to remove a inaccurate late payment that is on my credit report on XX/XX/2019 30 days late. I've been making on time payments and payment history is exceptional with this company. When I contacted XXXX XXXX XXXX XXXX XXXX XXXX they told me to get in touch with the bureaus to get the inaccuracy removed and that they didn't have any control on reporting. I then contacted XXXX, XXXX and Experian on behalf of the inaccuracy and when I looked on my reports it is still on there. 

I've been denied for numerous of loans and credit card application because of this false inaccuracy on my credit reports and this is NOT FAIR!! I shouldn't be denied because of this because this was a mistake that XXXX XXXX XXXX XXXX XXXX XXXX  REPORTED. 

I have a attorney on this case and will take legal action if this is not resolved asap. 

Please have the inaccurate late remark that is reported on XX/XX/2019 removed ASAP. This is my official written complaint.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P. (TX)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

The state of Florida 's Homeowners Assistance Fund program agreed to make monthly mortgage payments of {$3600.00} for eight months to the mortgage company Amerihome Mortgage starting XX/XX/2022. As of today, only the XXXX payment was received, processed, and credited to the mortgage account and the mortgage company has not credited the last XXXX months of payments. I have received a letter in XX/XX/2022, from Amerihome Mortgage stating that I am not late on the mortgage and have not been late for the past two years, but the credit bureaus report that I was 30 and 60 days late on the mortgage payments. I have requested for the mortgage company and the credit bureaus to stop violating the F.C.R.A. by knowingly reporting erroneous information on my credit report, but they refuse to make the corrections.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: WELLS FARGO & COMPANY (MN)

The website for my XXXX XXXX would not tell me my balance. There is no way for me to use this car if I don't know the balance. It now shows it is expired. However, there is a note right above the expiration date of XX/XX/22 that says FUNDS DO NOT EXPIRE. If they don't expire, why is there is expiration date on the card. And why won't the website allow me to see the balance. When I checked a few days ago, it said the status of my card was closed. No other information. What is this suppose to me. Why don't they give more information. Are they just hoping that customers don't check on these things so they can just keep hard working peoples money? 

The card is issued by Wells Fargo Bank , N.A . pursuant to license from XXXX XXXX XXXX.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

I have been a member of Discover since XXXX. I have done a great job of paying on time and most of the time in full. During the XXXX congressionally declared national emergency I was experiencing financial difficulty as like many others and I called Discover and let them know. I presumed they offered resolution under the CARES acts They enrolled me in a payment program that lowered my interest rate to around 17 %, this was the only option offered to me as a relief during the pandemic. On XX/XX/XXXX I paid off my entire balance plus interest upon finally getting larger sums of monies rendering me able. AT NO TIME did they disclose that I could be Revoked and have my credit impacted negatively in an extreme manner, I have suffered damages for their actions even after being square on payments and in good standing a year or more. The only thing Discover said is they would temporarily suspend spending ability until I finished paying the balance under these terms to receive help during pandemic. Since then they Revoked my account causing my credit to drop XXXX points. They did not inform me that the account would be revoked, closed of impact my credit negatively especially after I paid in full.
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

Due to unfortunate events in the begining of the year XXXX, losing my job as a chef because of XXXX, multiple family XXXX  from XXXX, our beloved dog XXXX, we filed for Bankruptcy. Not to mention identity theft and being robbed in our home. Not a great year. So heres how things went down with our lenders Since we were under COVID forbearance before we filed which according to XXXX was XX/XX/XXXX, somewhere my payments for XXXX and XXXX didnt get recorded correctly, although still in forbearance, we filed XXXX XX/XX/XXXX, XXXX  kept informing us they sent the reaffirmation paperwork to our lawyer but we never received them, finally we were told by XXXX  they sold our loan to Arvest XXXX XXXX of XXXX, the turnaround time for the process of a reaffirmation is 3-6 months since everything has to be ink signed, and can only be transferred through physical mail in which all parties must sign including the XXXX XXXX. So we lost every single on-time credible payment, in which we have never been late on our mortgage in the 12 years from then prior. So Arvest acquired our loan in XXXX of XXXX, and it would be for another month or so before our account would be fully transferred to them. Obviously they cant change any terms on our loan and we were still under XXXX forbearance. They gave us no chance to restructure or reaffirm our loan since we were to be discharged on XXXX XXXX XXXX. Arvest kept us on forbearance but took it over from XX/XX/XXXX through XX/XX/XXXX. XXXX did not apply my payment for XXXX payment. And I dont know what happened to the money that was in escrow but XXXX transferred our loan with - {$400.00} in our escrow account. So As of now, we are deferred from XXXX of XXXX to XX/XX/XXXX. Principle and interest. However, XXXX also included escrow, which I still havent investigated yet, into our deferment, but also put us on a 5 year loan in the amount of {$4000.00} to apparently pay back from the forbearance for escrow. Yes, even though they charged us in the deferment for those months. Ive been battling both of these lenders in terms of where the money went. Even though I have proof of payments not only from the lender themselves, but from my bank statements. Since those werent suffice, Im now having to get the actual transaction number from the bank to see where the money was actually wired. 

We were able to refinance into an fha loan with united wholesale mortgage. The lump some we had to pay off is absurd. And most likely fraudulent.we are literal paying for way more then what was agreed on. My account must be looked at thoroughly and calculated correctly. These lenders have made money of our hardship. Its disgusting.
Consumer complaint received 2021-12-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CO)

According to my previous XXXX # XXXX my forbearance is extended to XX/XX/XXXX. " At this time, the remaining XXXX months of the extension has been granted. This final extension brings the forbearance valid through the XX/XX/XXXX. '' I got a letter from this mortgage company this month XX/XX/XXXX stating that my forbearance extended date is through XX/XX/XXXX. I do not approve this change in the forbearance date.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (MI)

I have attempted to contact XXXX, Fortiva AND XXXX XXXX XXXX XXXX  regarding this debt. The debt is reporting INCORRECTLY and have been sometime. Whatever incorrect update that was made on XX/XX/ dropped my score by 34 points!!!!! nobody can seem to get this account corrected between the two companies so I need help.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Bank of America deleted my payment profile on the account and told me I needed to set up a Bank of America Checking account. When I tried to reset up my regular payment method I got the same message saying I needed to set up a Bank of America account to pay. Isn't this an anti trust violation? I was about to be late with my bill and they are coercing me to try to get other business from me I do not want with them to avoid ending up with a late payment.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (OH)

I started a dispute on XX/XX/XXXX with Discover credit cards because I was charged by XXXX XXXX {$1300.00}. As of today XX/XX/XXXX, Discover said there is nothing they can do to assist in the remediation nor will they offer a credit. 

Background On XX/XX/XXXX, I made a purchase from XXXX XXXX for a suspension for my car. I received the wrong parts, they admitted this in writing ( attached ). I reached out to XXXX  multiple times to get an RMA or exchange so I could send the parts back for a refund. They ignored all of emails for the request which I made on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX along with multiple phone calls. 

Discover said that their hands are tied and I need to pursue other avenues to remediate. My question is " what other avenues ''? I've tried everything.. 

All of the documents attached have been reviewed by Discover in making their decsion My request is for Discover to issue a credit for {$1300.00} along with accompanying interest on that amount, {$46.00}.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.