davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2023, my private student loan provider XXXX, was supposed to take a scheduled payment from my bank account as they have in the past. XXXX sent XXXX test payments to our bank account to confirm there were funds available. There were funds available in the account. This is verified by our bank statements. The company XXXX never completed the transaction. I called the company and ask why they did not take the payment. They said there was an issue at our bank. I contacted my bank and talk to the bank XXXX XXXX XXXX, who confirmed it was not an issue on the banks en, that the issue was the company XXXX never actually pulled the funds. As a result of XXXX not pulling the payment this is now reflecting as late on my credit report. I have attempted to talk to XXXX several times to resolve this issue, they have not been able to resolve after being told there were retractions to credit reporting. The retractions have not taken place. It has been roughly 6 months and my credit is effected by their error. I have documentation from my bank including a statement from the bank XXXX stating the issue was not mine or the banks but the issue was with XXXX not taking the payment from my account. 
Attached are bank statements showing XXXX sent test payments to my bank but never pulled the payments. XXXX admitted THEY MAY HAVE HAD AN INTERNAL ERROR ON THEIR END by not pulling the payments. This is something I have no control over and should not be responsible for their internal errors. Once I submit the payment it is up to the company to take the payment from my account. My account reflects available funds. Also attached is a short summary from my bank XXXX who also confirmed our bank account was active and did have the funds but it was XXXX who neglected to actually pull the payment.
Consumer complaint received 2023-07-06
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. (NY)

I disputed these accounts with XXXX Department of Education many times.The last time was XX/XX/2022. My name info is incorrect as well. My address is incorrect too.On XX/XX/2022 I put a fraud alert to secure my credit file. XXXX XXXX XXXX XXXX XXXX premier bank, XXXX XXXX XXXX river bank XXXX XXXX XXXX XXXX A collections account XXXX XXXX XXXX XXXX bank. XXXX XXXX XXXX XXXX XXXX XXXX prime investment. I have disputed with all these accounts they do not belong to me, please. 
Remove. In accordance with the Fair hearing Reportingmay make Act XXXX XXXX XXXX Section XXXX A states I have the right to privacy. 
15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1681 ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any adverse line of information other than records or condition
Consumer complaint received 2023-06-19
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: CITIBANK, N.A. (OH)

Citibank fraudulently closed case # XXXX by claiming a third party was involved. They knew I filed the complaint, all details matched me as their customer except that I did use a different email address for the CFPB. I called citibank and I was told that they had already responded to the complaints and that they did not need my authorization. They knew about the complaints ahead of time and I have multiple recorded calls to verify that. I have recorded calls : 1 : Saying that an email address is not something used to verify the account 2 : No follow up is needed and they replied to the CFPB which is not true
Consumer complaint received 2023-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

On XX/XX/XXXX, I contacted Mohela by phone to request a refund of voluntary payments made during the Covid forbearance period. The loan ( listed as loan 4 in Mohela ) was previously serviced by XXXX ( listed as XXXX XXXX in XXXX ). 

All payments were made to XXXX but has since been transferred to Mohela which is my servicer for PSLF. This loan is not part of any consolidation loans. 

On XX/XX/XXXX, I reached out via Mohela Chat and confirmed that a refund request was made and is waiting to be processed. The agent confirmed my refund request amount of XXXX On XX/XX/XXXX, I contacted Mohela via Chat again and the agent quoted 90 business days from initial request for turn-around-time for refunds and requested that I wait to reach out until that time has passed. 

On XX/XX/XXXX ( exceeding 90 business days ), I contacted Mohela again to get an update on refund request. My loan balance has not increased and do not see that a check has been issued for this refund. They said they will re-submit the request. 

On XX/XX/XXXX, I contacted Mohela via Chat and the agent informed that they can not see my payment history from XXXX for the loan that I requested a refund on and thus, unable to help with the refund. On my payment tracker for the specific loan, the payments on my loan from XX/XX/XXXX to XX/XX/XXXX are missing. I was told I need to send proof of my prior payments to my old servicer XXXX during the Covid forbearance period. 

I am concerned that it took over 5 months for me to learn that they were missing the payment history and thus unable to assist with the refund. If they needed additional information to process the request, they should have alerted me sooner. 

However, they were able to confirm with me previously ( during my original request in XXXX and then again in XX/XX/XXXX ) the correct refund request amount which is the total payment I made during the Covid forbearance period for this loan. How were they able to do so without any payment history? 

I have uploaded a copy of my payment history from XXXX which serves as proof that I made payments during the Covid forbearance period.
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (CO)

I was served with papers from XXXX XXXX XXXX XXXX regarding a loan from XXXX XXXX that was bought out by XXXX XXXX XXXX. I called them to discuss the debt and they had informed me what it was about. I agreed to make a payment arrangment. They were suppose to send me documentation of the debt which I never received. The only thing I received was a Judgment Stipulation by docusign. Due to a hardship I had to consider Debt Relief options. The company I am working with said they needed a statement From XXXX XXXX XXXX group showing the original creditor and the amount owed in order to help me with this debt. I called XXXX XXXX XXXX XXXX and the sent me a payment history. The only information it showed was a payment I made to them and Velocity Credits name. I called velocity Investments and they refused to send me information on the debt. They referred me back to XXXX XXXX and told me to ask for verification of the debt. I emailed them XXXX XXXX back and aked for the verification of the debt. They refused and told me to contact the court. I am filing this because, they never sent me verification of the debt from the start and now it is with the court. I dont understand why.
Consumer complaint received 2023-10-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (PA)

It was XXXX XXXXXXXX XXXX I was to mail back the transponder and I never received a box to send it. Then they put me into collections and I never got a chance to fix it by sending it out to them.
Consumer complaint received 2023-08-10
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. (TX)

I summited a dispute with XXXX XXXX XXXX company, I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692e ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter
Consumer complaint received 2023-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

I was approved for the homeowners assistance program in XX/XX/XXXX and have been receiving payments since then. My mortgage company was recently sold to Shellpoint and I am missing mortgage payments that HAF has said they have sent to Shellpoint. I am given no answers when I call and talk to Shellpoint and I am in fear of losing my home. I need answers as to where my missing payments are. My mortgage payment was due on XX/XX/XXXX and HAF informed me that they sent the payment of XXXX on XX/XX/XXXX. Shellpoint can not locate the payment and will not apply it to my account.
Consumer complaint received 2023-07-13
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. (CA)

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2023-06-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX and I am XXXX XXXX XXXX and I am dictating this letter to my daughter, XXXX XXXX. I have an account with XXXX XXXX for about 30 years, and I have an account with Bank XXXX XXXX. A couple of weeks ago, I received a phone call from XXXX XXXX indicating that I had a margin call and that I needed to deposit XXXX dollars or they would liquidate my stocks. The dividends from these few stocks help me to live. I was not sure why I owed that money and what exactly a margin call was. I called my daughter and she called XXXX with me on the phone. That is when I found out that someone fraudulently wired and transferred about XXXX dollars out of my account without my knowledge or permission. It was then wired out to my XXXX account, without my knowledge or permission. From there, it was wired out to an unknown account at XXXX XXXX. I reported this to all 3 institutions. I was never notified of any suspicious activity on my account at XXXX. In all my years, I have never taken out money on margin. Nor have I ever requested a wire transfer. XXXX has informed me that there is nothing they can do and that they will not refund me the money that was taken fraudulently from my account.
Consumer complaint received 2023-06-19
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: CITIBANK, N.A. (OH)

Citibank has falsely claimed that this dispute involved a third party due to me using a different email address with the cfpb than with them. I have 2 recorded calls from citi that say that they do not need to have my email address to verify me and that no additional information was needed from me to follow-up with the cfpb complaints. 

This is new information associated with complaints XXXX, XXXX, XXXX, and XXXX. The OCC asked me to file this complaint here. I filed a good faith chargeback dispute as is my right under 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, section 1666 ( b ) ( 3 ) This dispute is being filed with the OCC intentionally. Citibank, NA is violating The Fair Credit Billing Act ( FCBA ) of 1974 and it is the OCCs obligation to ensure Citibank is in compliance with applicable laws and regulations. This is not a CFPB customer dispute. I am not looking for you do resolve my personal dispute. I am asking that you hold Citibank accountable for violating the law. They are back dating documents, providing false and misleading statements, refusing to provide any information to customers during their dispute process, do not have a clearly defined charge back process outside of government accounts, claim to not receive documents, re date documents received, mis process documents repeatedly, show the disputed balance as due prior to their resolution, and provide outdated and contradicting information on their app vs their website. The first complaint was fraudulently closed by claiming they needed my authorization to speak to me - saying there was a third part involved. That is not true. Citi bank says they responded to the complaint, but there is no
Consumer complaint received 2023-08-10
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. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-07-06
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)

There are numerous UNAUTHORIZED hard inquiries on my credit report attached to my social for which I, XXXX XXXX XXXX, did not authorize. These inquiries need to be deleted and include the following companies : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2023-07-06
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. (MA)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 XXXXXX/XX/year>
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (CA)

I have informed the three credit bureaus XXXX, Equifax, XXXX. That I was a victim of identity theft however, they still have not removed them from my report.
Consumer complaint received 2017-04-05
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (MA)

On XX/XX/2016 I paid the balance to Hyundai for the end of my lease. They still sold the balance to collections. Since then I have been harassed my several debt collectors for this balance that I paid to Hyundai and the debt collectors say that Hyundai needs to recall the debt. I called Hyundai 's billing department who confirmed that there is no balance owed and also confirmed that I should n't have been contacted by these debt collectors yet will do nothing to remedy the fact that they sold a debt that did not exist. Confirmation of payment on XX/XX/2016 is # XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting 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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.