davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2020, I sent Experian a letter asking them to remove incorrect personal information. I sent them a follow-up letter on XX/XX/2020 when Experian had made no changes to my report. Both letters included a copy of my driver 's license and social security card, but Experian has refused to remove incorrect information. It is over 90 days later and Experian is violating federal law willfully reporting incorrect information.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

On XX/XX/2020 I opened up a chime account in order to get my pua assistance. On XX/XX/XXXX I received an email from chime stating I had received a deposit of {$2700.00} dollars. Then later that day received another email to confirm another deposit of {$9600.00} was also deposited onto my chime card.During this time I still have not received card in mail. Then on the XXXX I received an email stating they closed my account and was not eligible for refund because I some how violated there amendment # 9. I did not receive my card until the XXXX. So I called the number provide by chime and when you call they ask to type in phone number so they can access the account so I do that but then an automated message comes on and says I'm sorry your account has been closed and then it hangs up. I've filed with the Bbb but haven't received a response in over 3 weeks. So now I'm trying to see what you can do to help me.in this situation. Thank you! 

XXXX XXXX
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

One of the three major credit bureaus, TransUnion, may maintain a wrong record of my date of birth. The wrong data of my identification made me being rejected in many situations. As a real case happened in XXXX, I was unable to get Internet service from XXXX. I first applied via phone calls, all agents failed, and suggested me to go to a solid store in person. I did so, but failed again. My problem was escalated a couple levels in my 3 hours waiting there. Even the store manager keyed in his own privileged code trying to surpass the blockage, their system wouldn't let him overwrite the mismatch between birth year XXXX on driving license vs. birth year XXXX from credit report. I asked which one of the 3 major credit companies provided that wrong data? The store manager replied it was confidential, they were not allowed to reveal it. I understand that your organization advises us to first try contacting directly involved company for resolution. But in my case, I really dont know which company to file complaint with. I wish you would be willing to offer help to me. Any help from you shall be highly appreciated.
Consumer complaint received 2020-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ACIMA CREDIT, LLC (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MT)

6 months ago i emailed self lend i needed to hold on a month before i deposited more into the savings. i then ran into the covid 19 issue.
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (AL)

MY INFORMATION WAS USE TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Penn Credit Corporation (FL)

XX/XX/XXXX I discharged a debt owed to XXXX XXXXXXXX XXXX XXXX  in a Chapter XXXX Bankruptcy, Case XXXX filed XX/XX/XXXX. 

After the Bankruptcy I moved out of the state of Florida and now live in XXXX. 

This year Penn Credit submitted to my credit report a debt for XXXX   XXXX XXXX XXXX 

I reached out to the collection agency to notify them that I have not opened or had any accounts with XXXX XXXX XXXX XXXXXXXX since by Bankruptcy and that the debt was discharged. 

Penn Credit refuses to remove the collections from XXXX, XXXX  and XXXX 

PENN CREDIT CORPORATIO Account XXXX XXXX XXXX
Consumer complaint received 2020-08-16
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: HW Holding, Inc (FL)

I was a tenant at XXXX XXXX XXXX, owner XXXX XXXX XXXX XXXX. As can be concurred by many other residents there was a take over by another company with no formal notification from the above company. Prior to the take over on approximately XXXX XXXX it was arranged Verbally with prior management that I would continue renting month by month due to the fact that I was purchasing a house and close to the closing on the property. Because the closing did not come through as projected I asked the present management XXXX XXXX Preserves to extend my time one more month. I was informed someone has already leased the apartment and will be given until the XXXX of XXXX to vacate the premises. I rented a XXXX on XX/XX/2019 and hired a moving company to assist me and hand over the keys to the office on XX/XX/2019 at approximately XXXX - XXXX XXXX. Pictures of the apartment was Also taken as proof. My deposit was retuned. I surmised few months thereafter I received a letter from Hunter Warfield informing me I owe a balance of {$1500.00}. I did not respond immediately thinking that is a mistake. The calls began followed up with letters. I then responded provided proof of refund check an explanation and also asked to remove the negative reporting From my credit but with no avail and absolutely no response. If necessary I can obtain a copy of documents from XXXX
Consumer complaint received 2020-08-16
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: EOS Holdings, Inc. (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

There are two borrowers on my mortgage with Wells Fargo, B # 1 & B # 2. Both borrowers did NOT have loss of employment and are NOT experiencing financial hardship. B # 1 has TWO jobs and B # 2 has one job and are both still employed. B # 1 asked for forbearance without B # 2 knowing in XXXX, 2020 and no proof of financial hardship was requested by Wells Fargo. B # 2 saw the forbearance on their credit report and called Wells Fargo to ask that it be removed because it was unwanted and unnecessary and Wells Fargo said no. The added that both B # 1 and B # 2 are equally financially responsible for the loan, but B # 1 can place the forbearance on the account without B # 2 consent. After this Wells Fargo allowed another 3 months of forbearance to be added to the account without B # 2 consent. B # 2 feels that if they are financially responsible for the account then they should also have the authorization to approve a forbearance.
Consumer complaint received 2020-08-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings (NY)

My Credit report states that a payday loan debt aquired in Tennessee in XXXX was purchased by XXXX XXXX XXXX XXXX and is listed as derogatory as of XX/XX/XXXX even though the derogatory account was closed and the payment status charged-off over six ago. I have lived in New York since XXXX of XXXX and far as I understand collection on payday loans and derogatory marks on your credit score as a result of payday loans are illegal in the State of New York.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

My mortgage is with Specialized Loan Servicing. SLS I have had ongoing problems getting them to apply monthly mortgage funds to my account. They are showing as unapplied and unidentified fund? Numerous emails have been sent through their server with responses that make no sence and are unrelated. Also they automatically put my loan in forbearance a second time during covid without my permission or signature and when I wrote them about this they send it was no longer in forbearance. What???? Log back into account still showing forbearance. I am getting no where with them and do not like what they are doing with our money. I have take numerous screen shots as for some reason they company I am unable to print these pages to show proof of what they are doing. I also can not get thru on phone I have taken pictures of wait times. 45 minutes and over an hour with no pick up. I email also and ask for a call back with nothing.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

On XX/XX/2020 I entered into the three month forbearance agreement with Santander Bank for my mortgage for the XXXX, XXXX and XXXX mortgage payments On XX/XX/2020 I called the loss prevention # - XXXX and spoke to representative XXXX. I was informed that I could move those payments to the end of the 30 year period, making the mortgage 30 years and three months. 

I was informed by representative XXXX that the paperwork would be filed and I would be notified within 30 days. 

I was also informed by representative XXXX that this would IN NO WAY WHATSOEVER affect my credit ratings or scores. That as long as I resumed payments in XXXX there would be no adverse information sent to the credit bureaus. 

I called again the last week of XXXX as I had not received any information. I was informed that they have the record of the filing and that I would be getting it soon and again that IN NO WAY WHATSOEVER would my credit be affected. As of today, XX/XX/2020 I have received no written communication from Santander. 

As instructed, I paid my XXXX payment ahead of time and even noted on the check that it was for the XXXX payment. 

I have followed all directions. I have fulfilled all required actions. 

Despite that, Santander reported to all three credit reporting agencies that I am 60 days past due. 

My credit score has dropped from Exceptional to Fair ( XXXX ) despite 30 years of excellent credit standing and the fact that this is a serious mistake by Santander due to carelessness and negligence. 

I have never been late or missed a payment on this mortgage. 

This has devastating consequences- my credit cards will be canceled, I wont be able to get a car loan, my job prospects will decrease, the cost of my insurance will go up and my personal reputation destroyed. 

I called the same number again XX/XX/2020 and was informed by the representative that there was nothing he could do and that I was pretty much out of luck but that I could email to this address ( XXXX ) and they would look into it. I asked how long it would take and he had no answer. He also told me it was no big deal that I havent received any correspondence regarding the movement of the three payments and I would get it sometime but keep paying monthly payments. And if they reported it again to the credit bureaus thats just too bad for me. I asked to speak to a supervisor and he said no none was available but maybe someone would call me back sometime. I believe this is a false statement and a way to get a customer off the line. 

I called again two days later and was given another email address - XXXX. Despite setting up for a " received '' and " read '' return email request i got nothing back. I believe that these are either fraudulent or unmonitored email addresses and that Santander has no intention of looking into this or fixing their mistake to the peril of my financial standing. 

They have also since sent me a letter demanding the three payment plus interest.
Consumer complaint received 2020-08-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent certified letters out over 60 days ago and have not been notified. As a consumer i feel like these people are takeen advantage of me.
Consumer complaint received 2020-08-16
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: AMERICAN ADJUSTMENT BUREAU,INC. (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-08-16
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)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (FL)

Dear XXXX, In response to my complaint XXXX you have advised me that " We have reviewed and considered the information you have supplied through the CFPB and directly to Experian. In your complaint, you state that you have sent letters asking to have incorrect information removed. You request Experian have it removed from your report, but you did not mention which items you are referring to. We were unable to process your complaint based on the limited amount of information regarding your dispute. '' The following are the accounts that should be deleted asap : 1. XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX A copy of my complaint to FTC is attached.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NV)

I received a notification dated XX/XX/20 from Flagstar Bank that my homeowner hazard insurance had expired and that they would force place insurance unless I provided proof of insurance. 
Their statement is inaccurate as I have continuously had insurance from the origination of this loan through XXXXXXXX/XXXX. Further, the mortgage servicer has been paying the insurance premiums through escrow.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (NV)

Union Bank, XXXX XXXX XXXX, XXXX XXXX, CA XXXX does not answer the phone. My bank can not get mortgage payoff information from them and suggested I try. I've been on hold for 1 hour, 15 minutes and counting. I find this unreasonable customer service. It is holding up my refinancing. Of course, they continue to get 4.5 % while I wait for them to answer the XXXX phone.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX credit card reported a 30 day missed payment for the month of XX/XX/2019. The payment was actually paid a day late but it was never 30 days late. I sent all bank statements to both creditor and credit agencies to verify the payment was never missed for 30 days. I was told from the creditor it was system error and would be corrected, Months later this still has not been corrected.
Consumer complaint received 2020-05-27
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: Experian Information Solutions Inc. (TX)

show tooltip button XXXX XXXX XXXXDispute XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute FILED FTC AND CFPB 45 DAYS AGO
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Franklin Collection Service, Inc. (OH)

I received a collection notice from Franklin Collection Services. On my first three attempts, I had a problem using their website to pay off my {$130.00} collection bill. I paid the collection bill over the phone on Tuesday, XX/XX/2020 in which an agent informed me that they will no longer make any derogatory reports on my credit. However, to summarize the number of derogatory reports that they have made on my account, the made several in almost a ten day period about the same collection notice meaning that duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. The dates are as follows : 1. XX/XX/2020 2. XX/XX/2020 3. XX/XX/2020 4. XX/XX/2020 ( The same day the dept was paid off ) 5. XX/XX/2020 ( After the debt was paid off ). 
6. XX/XX/2020 ( After the debt was paid off ). 
7. XX/XX/2020 ( After the debt was paid off ). 

In addition, on Sunday, XX/XX/2020, I filed a complaint against Franklin Collection Agency with the XXXX  and The Ohio Attorney General. I called Franklin Collection service again on XX/XX/2020 after receiving another notification of a negative inquiry on my account for the same debt that was paid off. 

The debt collector does not have collection authority on this account which represents an inactive debt and several duplicate reporting for the same account and the multiples, all six of them, should be deleted.