davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

In XXXX of 2020 I contacted KIA regarding a need for a delay in payment due to COVID. They granted me a forbearance but they reported me late 30 days late in XXXX of 2020 which negatively impacted my scores.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To whom it may concern, I am extremely frustrated at the actions taken place by Transunion. I noticed my credit had been hit by about 33 points the first week of XX/XX/2021 so immediately investigated as to why that was, only to find out they claimed I did not pay my credit card ending in XXXX. I pay this credit card each and every month in FULL usually over {$10000.00} worth. I paid this on time and retrieved a receipt supporting my claim, I then went to Transunion online to submit a dispute with the evidence of my payment of {$11000.00}. 

I have been awaiting a response for my dispute until today when I realized another hit for about 20 points had also been deducted from my credit score where they had REMOVED my entire account for this credit card. I feel as if this is entirely illegal and misleading removing my personal and validated information from my credit report I have worked so hard on. I am a tax paying citizen and pay my bills before they are due. I am outraged at the fact some random employee can remove such information and kill my credit score.

I called Transunion and inquired about having all of this fixed ( that they caused ) and was told it could not be fixed and to contact my bank. I am livid and want my information repaired. I will not stop contacting until I come to a conclusion where the outcome is correct and fair.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CO)

Company : Wells Fargo Home Mortgage ( WFHM ) Wells Fargo Home Mortgage is maliciously and fraudulently reporting a 90 day on all three credit bureaus. I opened a mortgage in XXXX with WFHM and paid in in full in XXXX of XXXX. The account has been closed for nearly 6 years. My XXXX, XXXX, and XXXX  reports all show a 90 day late entry for XX/XX/XXXX. 

I have written several letters to WFHM and the Credit Bureaus disputing this 90 day entry. Letter correspondence was sent in XX/XX/XXXX, again 90 days later XX/XX/XXXX regarding this inaccuracy and no response was received. 

on XX/XX/XXXX I opened a complain with Wells Fargo directly which has not been assigned to any one in the mortgage division to investigate. They told me it would be 10 more days before someone would be assigned. 

Wells Fargo is in violation of the following sections and subsections of the Fair Credit Reporting Act. 
PART 1022FAIR CREDIT REPORTING ( REGULATION V ) Subpart EDuties of Furnishers of Information. 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information. 1022.43 ( e ) Duty of furnisher after receiving a direct dispute notice.

List of violations and reference to codes 1. Supplying information to a CRA that it knows ( or should know ) is inaccurate ( 1022.42 ) 2. Failure to conduct a reasonable investigation of a dispute ( 1022.43 ) 3. Failure to notify you when it supplies negative credit information to a CRA ( 1022.42 ) 4. Failure to notify you of your right to disput
e inaccurate credit information ( 1022.42 ) 5. Failure to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute ( 1022.43 ) These violations of the provisions of the FCRA, caused financial harm to me as it has caused denial of credit and higher interest rates. Attached is a copy of a summary report showing all three bureaus reporting the 90 days late in XXXX, and that the account was closed and paid in full in XXXX. There is also a note that shows the account was in dispute in the attachment and that the dispute was resolved by furnisher which further proves violation of Regulation V, E, 1022.42 and 1022.43
Consumer complaint received 2021-05-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2021, I applied for a Care Credit Loan online. After submitting the information online, the screen said that more information was needed. The next day, I tried to continue the application and through an app and I was made to show my ID and take a photo of myself. After that, the credit was denied. When I called Care Credit, they referred my Synchrony, the main lender. I was told that no representative could give me information about why my account was denied and I would get something in the mail. As of XX/XX/XXXX, I haven't received anything in the mail. I did get an email saying it had my Synchrony credit results. When I put in my information, the page said there were no results for my inquiry and there was no contact information to follow up with the email. When I called Synchrony again to inquire about the denial and the lack of information in the email, no one would help me or give me any information. I believe they are violating the Trust In Lending Act by not giving timely results of my credit score. In addition, I have a Synchrony account with an Old Navy Credit card and my account is in excellent standing. That account was acquired when I made less money and had a lower FICO score but I wasn't required to show ID or give a photo. Asking for a picture of my ID and of myself then being denied feels discriminatory because I have good credit and a steady income. I would like this issue to be investigated to see if Synchrony violated TILA and/or if I was discriminated against because of my race.
Consumer complaint received 2021-05-14
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. (CA)

hello, my name is XXXX XXXX, and i have been a victim of id theft. I have sent over 4 disputes to the credit bureaus in regards to fraudulent inquires that are on my credit report! I have had ZERO progress with the bureaus removing these fraudulent remarks!
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MI)

Asset acceptance filed a judgement lien on credit card debt that is about 25 years old and I havent paid on it for as long. They used for {$26000.00}. I cant remember the origional debt but it must have been 1/4 that amount. They dont notify about court cases and I dont see how they can try to collect on an ancient debt. They've already intercepted federal tax refunds when the debt was so old. They know most people can hire an attorney to fight these issues. They must have lied to the judge about the age of the debt.
Consumer complaint received 2021-05-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MN)

In XXXX I was not given the opportunity to put my loans into deferment by Firstmark Services and they subsequently put my loans into collection without proper notice for me to submit paperwork on time. In XXXX of XXXX I submitted a case to the Minnesota Attorney General 's office who after working with Firstmark was able to get the loans removed from collections and put back into good standing and into deferment for the next year. Last XX/XX/XXXX I checked my credit report to find that Firstmark never removed the reporting of collections on my student loans and still reported them in collections even though they agreed they should never have gone to collections at all. At that same time I found that they put a late on my credit report for XX/XX/XXXX when the Firstmark representative affirmed to me they should have been reported as deferred due to COVID-19. I attempted to work with Firstmark through the Minnesota Attorney General 's office again with no resolution. The Minnesota Attorney General 's office agreed that my situation should be remedied but Firstmark was not willing to look into my case and provide a resolution. Attached is correspondence from XXXX ( the original case ) and XXXX when attempting to resolve the XXXX case and XXXX case.
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (GA)

Im gettin really frustrated disputing with these credit bureaus, I send dispute letters off over a month ago on XX/XX/21 and still no response. Im very aware of the law and know according to the FCRA these disputes should be validated within 30 days and failure to do so gives a reason to immediately remove those items from my credit report, it has been over 40 days so they should be deleted promptly. I need this problem fixed ASAP I will not wait another 40 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. In Section 611 ( a ), of the FCRA it states that a failure to investigate these items within 30 days demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me.
Consumer complaint received 2021-05-13
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: Experian Information Solutions Inc. (NC)

XXXX/XXXX  Sales Financing XX/XX/XXXX Experian  XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX Tenant Screeners XX/XX/XXXX Experian EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian XXXX XXXX AND XXXX  Other Collection Agencies XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX Auto Reseller XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (OK)

I was never contacted by Transworld. I had to be told by XXXX XXXX that the account was even sent out to Transworld and to attain the contact information for Transworld. I was making monthly payments to XXXX towards the balance. I never received any letter to even inform me that Transworld had my account for collections nor any contact information for them. By the time I got the information they had sent my balance to my credit report. When I called on XX/XX/XXXX and asked how I could get it removed they said that nothing I do from setting up a payment plan or paying in full would get it removed from my report. I asked if I were to setup a payment plan prior to it hitting my report if that would of stopped it and I was told no-so not sure what the point in a payment plan is. I called XX/XX/XXXX to ask if I paid the balance in full if they would remove it from my credit report and I was again told no. I have not had any derogatory accounts on my credit and am upset on the way Transworld handles the accounts under them considering most medical bills are due to accidents or no insurance.
Consumer complaint received 2021-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP (NC)

Repeat calls asking for XXXX XXXX. I am XXXX XXXX and the number they are calling is my cell phone number XXXX. They have called 4 or more times in an attemp to resolve debt. I do not have an account with them. My phone has identified them as Capital Management, but I have received other calls unidentified. I have asked them to stop calling but they continue. 
I received a call on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WI)

My loan was transferred to XXXX ( LoanCare ) in late XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX ). We had previously paid our XXXX mortgage payment to XXXX on XX/XX/XXXX, which was then transferred over to XXXX in a bulk wire transfer on XX/XX/XXXX. XXXX mishandled the payment and did not apply it to my account, and have been unable to resolve the issue in the 4 months that followed. During that time period I have called and spoken to their customer support, payment research, and supervisor teams on 15 different calls spanning 12 hours in duration. I have provided LoanCare with full banks statements and wire transfer information that I collected from XXXX per LoanCare 's request. I have complied with each of their requests, but they have still not resolved the issue and have applied late fees to my account and threatened me with foreclosure on my mortgage. LoanCare has failed to respond to any of my requests or complete any action on their end to help rectify the issue. They've ignored scheduled call backs and will not give me contact information to reach them directly. Each call indicates the issue will be resolved within a week, and each time they fail to make any progress yet they have marked my account as delinquent and applied late charges even when knowing this is an issue they caused. I have provided them with all of the information that I possibly can and I have run out of options for how to move forward. I am submitting a formal request here as I do not know what else I can do to reconcile this issue. There mishandling of this payment and inability to help resolve an issue that they caused is unacceptable and has been the worst experience I've had working with any company in any industry. We unfortunately can not chose who services our loan in a transfer like this, and being left with LoanCare has cost me far too many hours of my time and has made me worried about my financial reputation even though I have made every payment on time and followed their instruction every step of the way.
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

To whom it may concern I am communicating with you due to a debt that you are trying to collect and whose debt is not mine I was a victim of identity theft and I do not recognize that account as mine I have not asked or authorized to open that account in my name. Please open an investigation if necessary, due to those accounts opened without my authorization, I have contacted CFPB to help me solve this problem. 
XXXX  XXXX XXXX  {$6100.00}
Consumer complaint received 2021-05-11
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. (CA)

I review a copy of current credit report and show inquires listed I have not authorized to apply of credit please delete inquires listed below off my credit report. 

Creditor Name : Inquiry Date : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX we transferred to Bank America Credit Card Account {$8700.00} from our checking account the amount above to pay the full balance of our credit card bill. Previously by phone we talked with the credit card company telling them we were going to do this. At that time we were advised that we had Bill Payer on the account and she walked us through cancellation of this Bill Payer pricesss. on line and we were told it was cancelled. That left a XXXX balance on our credit card account. On XXXX XXXX, Bank XXXX XXXX went into our checking account and exxracted {$88000.00}. This amount shows as a credit on our Bank of America Credit Card Account. This left us overdrawn in our checking account. On XX/XX/XXXX, we notified BA about this error. They said it was a clerical error on their part and it would take 5 working days to replace the money in our checking account. We did not receive the money in that time. We were then advised that it would take 10 days. We did not receive the amount again and we called and I was told that we would be refunded on XX/XX/2021. We were told at this time that they held the money in case something went wrong with the transfer of the {$8700.00} which was already in their account. I can not believe this is legal. My bank has been very patient since we have no money in our account at this point. We are an elderly couple in our 80s and do not have a lot of money. Pleased help us. Since all of this the amount of money in the Bank of America account has changed. On XX/XX/XXXX reimbursement amount was {$8600.00}. On XX/XX/XXXX it was to be {$8700.00}. This to me is taking advantage of the elderlly. I certainly know that if we were late in paying Bank of America we would pay big consequences.
Consumer complaint received 2021-05-14
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)

Equifax and XXXX  should not be reporting a collection/chargeoff or that I am ( 120 ) days late on the XXXX XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. I have attached a copy of my drivers license and SSN for identification purposes. ) I contacted XXXX XXXX and the representative I spoke with could not verify my name ; address ; phone number ; email or find any account number associated with my name. I requested they contact the credit bureaus and remove these items from my credit report. I was assured they would contact Equifax ; XXXX  and XXXX  and have these items removed however, this has yet to happen. This is a clear violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff and lates is seriously harming my credit score and these line items need to be removed. I have also contacted the bureaus to remove these items but have not been successful.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

On XX/XX/2021, I decided to close my crypto account with Coinbase.com. I had {$980.00} that was supposed to transfer to my bank account, but when I tried to initiate the transaction I kept receiving the error " you're closing too many accounts, try again later ''. I contacted Coinbase to inform them of the problem and generate a case # # XXXX and was told that it was being transferred to a " specialist ''. I have not heard from anyone since then and my money is in " limbo '' with no resolution in sight. I need some assistance as I need this money for other purposes. Please help me. Thank you in advance for your attention and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XX/XX/XXXX. Judge XXXX XXXX XXXX of the United States Bankruptcy Court, District of Minnesota ; signed 5 orders disallowing claim for further payment on my private student loans, through a company called XXXX ( XXXX ) XXXX XXXX XXXX. These 5 claimes are for each lender that XXXX " claimed '' to have ownership of my loans. The 1 original company that had ownership was called XXXX. XXXX went bankrupt and closed in XXXX XXXX XXXX  refused to acknowledge this Bankruptcy and closure of XXXX  and continued to request payments and harrass me. They changed my privacy policy to list a subsidiary company of XXXX known as XXXX XXXX XXXX XXXX. as the new lender. This was after I informed them of the closure. They told me that they needed to be informed by XXXX of their closure in order to do anything about it. XXXX continued to charge me until I went into Bankruptcy XX/XX/XXXX. Before this XXXX  attempted to tell me that XXXX XXXX was my new lender. XXXX XXXX denied being my lender. They claimed to be the lender for a trust portfolio of only 1 % of the total loan. However, in XXXX XXXX XXXX cut business ties to XXXX to to fraudulent activities on XXXX side. XXXX was and still claims that XXXX XXXX is a lender. They also changed my privacy policy AGAIN after this happened. XXXX also has XXXX XXXX  listed on my credit report as a current lender. XXXX XXXX  has no record of my accounts. Every company that XXXX has claimed as a lender has been given an order to disallow claim. I have filed multiple claims with the credit Bureaus, and each time they dismiss my claims by allowing XXXX to not show any documents or proof that XXXX, XXXX XXXX, XXXX, and now XXXX XXXX XXXX XXXX has my loans. XXXX and XXXX no longer exist, XXXX XXXX  has no record of my accounts as of current. They opened the loans in XXXX and immediately sold to XXXX. XXXX XXXX XXXX  XXXX was designated as soon as I filed for bankruptcy and XXXX was privy to me fitting to discharge my loans. Transunion, XXXX, XXXX  wont take anymore disputes. There is always an error that happens that im informed of. XXXX has also said they refuse to comply with the court order. They said that the claims have to show extreme financial hardship. Last time I checked the only way to have student loans discharged in Bankruptcy is to prove just that very thing. That is how I have 5 orders. Because I infact am experiencing an extreme financial hardship. My bankruptcy was just closed, so it currently shows that the accounts are closed, but they are kn fact still open, and XXXX refuses to correct the issue.