davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I previously filed a complaint related to Equifax reporting inaccurate information on my credit report. 
The most recent errors involve XXXX creditors XXXX XXXX XXXX  and XXXX XXXX fed credit union accounts reporting without the closing dates. Due to these creditors showing as open and not closed, the accounts are negatively impacting my ability to secure housing and new credit. 

Most recently, XXXX XXXX XXXX updated me with the correct reporting information via letter. I submitted that letter to Equifax and they opened another dispute and investigation. After XXXX investigation they updated me that the account should be opened according to XXXX XXXX XXXX. How is this possible! I provided Equifax a letter from XXXX stating how the account t should be reporting and that Equifax was the source of the error NOT XXXX XXXX XXXX. 
Equifax has been extremely unhelpful to me as a consumer and I am seeking legal counsel for guidance to hold Equifax accountable for their lack of assistance in correcting and reporting accurate information on my credit report
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

1. I recently applied for a credit card from by bank. My application was rejected citing that I had no score and my credit was too new.

2. I received an email from Experian today ( XX/XX/2022 ) informing me that I no longer have a FICO credit Score from them.

3. I-asked why and the person I was speaking to explain why the company refuses to assign me a credit score.

4. All of my account listed with Experian are excellent payment and credit histories. Never late and no balances. They're all paid prior to their due dates, monthly.

5. Experian 's refusal to assign me a accurate credit score is damaging my ability to operate in commerce and denies my rights.
Consumer complaint received 2022-03-24
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. (DE)

I had a credit score of XXXX in XX/XX/2022. But within a 24 hour period, my score dropped XXXX points for no reason. I did not apply for new credit. I did not make any large purchases with a credit card. I have not missed, or made any late payments. And I did not pay off any loans or close any accounts in recent months. Transunion has not been able to provide an explanation, and closed their so-called investigation into the matter within one business day. The only action taken by the agency was providing me with a copy of my report, which I already had in hand. Nothing changed on my report. Transunion failed to conduct a proper investigation, and refused to provide any explanation for the sudden drop in my credit score. I need a resolution in this matter before seeking legal assistance. I want Transunion to correct the erroneous information on my report.
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2022 I was a victim of fraud by a hacked XXXX account. 

I contacted who I thought was the owner of the XXXX account who was advertising game consoles for sale. I contacted them via direct message on XXXX- they told me to send them the total of {$850.00} via XXXX for the items I purchased. Once the sale was finalized I noticed that the actual owner of the account had posted on their XXXX account that their XXXX account had been hacked. 

Once I realized that I had sent the money to a scammer I quickly contacted my Bank while also trying to cancel the transfer from my mobile device with no luck. 

After speaking to a representative they mentioned that it would take between XXXX weeks to give me an answer to my claim. 

After XXXX days I received an update that my claim had been denied and that the money will not be returned to me. 

I believe they did not take the right amount of time to look into my case and was not thoroughly investigated. 

I also contacted XXXX directly with no luck. 

I've attached both updates from my bank as well as proof that I've reached out to XXXX and police report.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capitalone credit card cancelout my wife credit card, without telling me i am the husband the main member.Normally anything change i would get text message, i never got text message that it was cancelout.My wife tried paying her pre-paid XXXX account least four times an it was decline.XXXX kept asking about XXXX my wife put in decline change to old decline.So she called Capitalone with my cell phone Wednesday XXXX XXXX XXXX  She got Customer Service explain they XXXX said it was cancelout and they issue New Card.She ask why they said XXXX tried to charge {$16.00}. they sent text message ask if i authorize i said No, Than they Capitalone Cancelout card Fraud.My wife was on Phone for XXXX XXXX, Than icalled Capitalone Wednesday XXXX XXXX PM after my wife try using my credit card, it was declined.Capitalone representive said my wife card was cancelout and who ever help her didnot order one it was cancelout.And this Customer Service i could not understand, she had Slur in her voice plus eating food in back ground. # XXXX She ask for my wife try to pay with my credit card to XXXX while she on phone.Than again it was Declined, Capitalone said it does not show XXXX charged was declined.I ask if my wife card was being replace Please give me her # so she can have make purchase.She said my wife card was Not Order was Not Completed.So she re-order card to be sent to our XXXX XXXX But she was asking me for my Phone number to send Text Message.I gave her my # on file.She insis of my old # But i change # XXXX XXXX of XXXX  old number XXXX to my New # .Because i reported to FTC XXXX account got Hacked XXXX XXXX i kept get dirty text message ect.Capitalone Lady insis i needed my old number to receive her text message to prove iam me.Than she ask for Picture of My Driver License i told her she Must be Fraudulent Because thats what the XXXX Hacker ask when i applied for XXXX XXXX XXXX XXXX i gave Copy my Arizona driver's.Capitalone Lady said she Not fraud she Must be , because she will not except my New number on file address updated over week ago.I cant except text message to old number because i change my phone to New #, so i hung up ... After XXXX XXXX, She Refuse to send my wife New Card, She Refused to except my New cell Phone Number i updated on my Profile with my wife i been married over thirty-one years, i put double photo of us, they refuse for my wife to login when she had her card., Capitalone should quit Hire people that can not speak XXXX Clear.Same with XXXX.Many XXXX  can Speak XXXX but dont know what words mean.
Consumer complaint received 2022-03-24
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)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (IA)

I am trying to get my 2021 records for an account that was closed in XXXX with TD Bank accoun XXXX. I have called their main customer service who told me to call the branch. The branch told me they're having problems getting the documents and are not returning my phone calls. 
1. No 2021 tax document was ever sent.

2. I can not access the account online and was told the only way I could do this is to reopen it- which is extortion in my opinion.

3. The bank does not seem to have access to my records and can not send them to me.

4. Customer service is unable/unwilling to help me.

5. Local branch does not return phone calls though they understand the problem.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CT)

On XX/XX/21, at approximately XXXX pm I ( XXXX XXXX ) received a call from a woman named " XXXX, '' who claimed to be from Citibank. She claimed there was an attempt to charge {$450.00} at a XXXX in Georgia. 
She asked were we visiting Georgia. I told her no! I was a bit distracted while on a XXXX  business call and multitasking. She then texted me a Citibank code and asked me to repeat it to her. I gave her the code and she claimed she declinded the attempted fraud on our checking account. 

Approximately three hours later around XXXX XXXX, Citibank called and indicated that there was a {$2000.00} wire that was just sent out from our checking account. I stated that we did not send out a {$2000.00} wire on XX/XX/21. 

The Citibank representative shared with me that the wire was sent to another Citibank Account, to a woman named XXXX XXXX. I was told the fraudulent wire was caught quickly and flagged as a fraud and it would be easy to recover the funds and I would be reimbursed. I have attached police report and letters from Citibank declining my compliant and my demand of the {$2000.00}.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Parkway Financial Group, LLC (TN)

I applied for PMI ( private mortgage insurance ) removal through my loan servicer Midwestern loan at the beginning of XX/XX/2022. On the XXXX of XXXX I was informed that my loan was being transferred to Inspire Home Loans Inc . I contacted Midwestern Home loans to expedite my PMI removal request and got it granted on XX/XX/XXXX by Midwestern loans. My loan was transferred and Inspire now tells me that I still must pay PMI until they approve that it has been removed. I have a email from Midwestern saying that the PMI should be removed from XXXX XXXX. I have a email from Inspire that they approve PMI to be removed as well. 

Currently, my payment still reflects that I must pay PMI. Inspire is doing a " investigation by the PMI team '' and is telling me that I must pay my mortgage with PMI until the PMI team is finished it's study on XX/XX/XXXX. If I do not pay my mortgage with PMI by the XXXX, I have been threatened ( over the phone ) to have this reflected on my credit. I have no promise I will get my PMI for XXXX or XXXX back, I am just stuck paying an extra {$220.00} for two months as they drag this out even though I have already been approved twice. 

Here I am, like a sucker paying PMI to avoid them coming after my credit score. Avoid Inspire, they will threaten you when tell them they are charging the wrong amount.
Consumer complaint received 2022-03-24
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. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

On about XX/XX/XXXX I mailed my payment to Freedom Mortgage. Around the same time I had received a notice my loan was being transferred to XXXX XXXX but the payment had already been sent. On XX/XX/XXXX I noticed the check had not been cashed. I called Freedom and was told the check would be returned to me and that I needed to call XXXX XXXX  and make the XXXX payment there so I did. I then noticed on XX/XX/XXXX the check to freedom mtg had been cashed so I thought it would be transferred to XXXX XXXX  for the XXXX payment. I called rocket mtg and they said payment for XXXX was due. I went ahead and made the XXXX payment with rocket mtg and then called freedom to find out what they did with the funds. They say we did not receive a check from you. I said yes you did and you cashed it. It has the stamp and title of the person in accounting that cashed it. The person said oh we have no record but that person does work here. I asked to speak to a manager, we went around again with the same answer. He said he filed a report and someone would call me in a day or two. This was on XXXX. Today is XX/XX/XXXX. Nobody has called me. I just called them again and went over the same thing. I was told to file a dispute and fax in a copy of the check they cashed. I dont have a fax but will get to XXXX since they wont allow an email. They have had my check almost 60 days and should have returned it or cashed it and transferred the payment to the new servicer.
Consumer complaint received 2022-03-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I contacted the debt collection agency, ARS Account Resolution, XX/XX/2022 around XXXX pm EST, asking about 4 collections that appear on my XXXX credit report. I did not know where these debts came from but I was looking to settle them because they were so low in price. The debt collector could not find 3 of the debts and didn't have any recollection of 3 of the debts. They were only able to locate one of the debts that I paid. They are scamming me. They gave me two numbers to other companies who were clueless about the debts ARS claimed I owed.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I just completed my Trial Payment Plan ( TPP ) for a FLEX modification for my mortgage loan with Wells Fargo. I completed the three TPP payments as agreed upon with Wells Fargo, for the agreed upon amount. As Wells Fargo and myself agreed, I paid {$1600.00} in XXXX, XXXX, and XXXX of XXXX. I confirmed the payments with my bank and with Wells Fargo, and made sure that when I made each payment over the phone with Wells Fargo, the amount was correct, and Wells Fargo confirmed that it was. Now, after I've already completed the TPP agreement, Wells Fargo is telling me that the payment amount is not enough. They are telling me I owe more. Additionally, Wells Fargo suggested I make an escrow payment of {$49.00} which would reduce my monthly payment amount at the end of the TPP. I made the {$49.00} escrow payment in XXXX of XXXX.
Consumer complaint received 2022-03-24
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 




XXXX  / XXXX / {$140000.00}
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (NV)

This letter serves as a formal request for a full refund on the product that I bought. 
I purchased a GIFT CARD on XX/XX/2021 and paid a total amount of {$500.00}. XXXX. The gift card was being used by some else. 
It seems that the product is defective and that it is not functioning properly. The specific problem with the product is that Gift Card is a scam, and the US bank is fully aware of the problem. The US bank duplicates gift card numbers. 
Gift cards can be tampered with at the store, she said, by XXXX who grab stacks of cards, remove the security tape from each gift card, and then take photos or write down the cards secret 16-digit activation code. 
Many times, the cards don't look like they've been tampered with because new security tape is placed on them. But consumers are warned nonetheless to be on the lookout for signs that someone damaged the card 's packaging. 
The bad actors, XXXX said, are able to use technology to monitor when the compromised cards are activated. Soon after money is loaded onto the card, the scammers will the use the activation code to steal the money. 
" As soon as that card hits the cash register, they're pinged, '' XXXX said. 
The value of the card can end up being drained by an outsider, without ever leaving your hands. 
I read your terms and conditions, and I am well aware that customers are entitled to a full refund for a defective product.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (TX)

I paid off a credit card Comenity ( XXXX ) in XX/XX/XXXX. I used my XXXX card. I kept getting calls from XXXX and called a number they left on my voice-mail. I told them I paid this off. They said they would correct it and send me a letter. They did not and reported me to the credit bureau. I disputed them with XXXX and it states account paid off never late. I have not been successful with the other credit bureaus by phone. I received another bill yesterday saying I owe XXXX and they reported me again to the credit bureaus. I called the account center automation and it said balance XXXX, acct closed the same day. I was pre-approval for a XXXX XXXX but was declined because of XXXX and my bureaus lowered my scores. I can not get a.person on equal or transunion to dispute this and I was successful with XXXX. I had this store card since XXXX and was never late. My account was closed in XXXX because the store closed yet I continued timely payments until I paid them off.
Consumer complaint received 2022-03-14
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. (LA)

On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I did not authorize nor consent to the following inquires being furnished on my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Firstsource Business Process Services, LLC (FL)

First Source Advantage has called two people who are not me. One, related ( mother ) including another unrelated. They have harassed both parties, calling them 3 times a day for 36 days and counting. Most common phone number they have called from is XXXX. They have broken fair debt collection act laws on multiple occasions. They have disclosed my social security number to two people who are not me, they have disclosed alleged amount owed to people who are not me, they have disclosed my personal information multiple times, they have also disclosed what company the debt is allegedly owed to. 

List of Fair Debt Collection Practices Act broken 804. Acquisition of location information 15 USC 1692c 805. Communication in connection with debt collection 15 USC 1692d 809. Validation of debts 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 810. Multiple debts 15 USC 1692i