davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to transunion.com and logged into my account there. I tried to access my credit report however there was an error and it suggested that I contact their customer support. 

I called their customer support at ( XXXX ) XXXX-XXXX and reached someone with a very heavy accent that I could not understand. I decided to hang up and call back again. I dialed back and this time the person had a very thick XXXX accent. I again hung up and called back a 3rd time and I was able to understand the representative 's accent. I proceeded to ask the rep what country is the Transunion customer support located in. He told me they are located in XXXX XXXX. 

Social Security numbers are our most valued cherished number we have. You only get 1 in your lifetime. For a major bureau to have their support located in a 3rd world country and for them to insist for me to give them my Social Security number or they can not help me is very un settling. Is TransUnion trying to follow XXXX and give out everyone 's Social as well?
Consumer complaint received 2019-08-20
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. (NC)

We experienced a financial hardship after Hurricane Florence and have letters from XXXX XXXX XXXX stating that we were approved for Forebearance starting in XX/XX/XXXX through XX/XX/XXXX. We sold the house on XX/XX/XXXX. On that date, XXXX XXXX XXXX falsely reported to Transunion that we were 120-149 days late which made my credit score plummet. We called repeatedly during the Forebearance to make sure that no payments were due and that everything was good. They reassured us all was well. I am very upset about this. This will take time to fix and until then, I will be wrongly penalized if I apply for any credit. 

Not only this but we continuously received letters from XXXX XXXX XXXX during the Forebearance telling us we were in default and that actions would be taken if we didnt pay the outstanding past-due balance. That was very misleading and when we called them, they asked us to ignore those letters as they are system letters. These should NOT be sent to customers like us who followed the correct process and continued to receive incorrect letters.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

On XX/XX/2019 XXXX XXXX did a credit check on my account. I did not nor have I reqjuested credit from any company. As a result of their inquiry, my credit score dropped from XXXX to XXXX. I have gone from low good to fair. I feel this is totally unfair to drop my score because they want to have another client. I get solicitations for credit cards almost every day of the week. I have received 2 refusal letters for credit from XXXX XXXX probably because of my lowered score. I intend to pay off the one collection that I have, and would like to know that my score has gone up. Thank you for your time and consideration of this request.
Consumer complaint received 2019-08-02
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. (NY)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME. IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT REPORT AND I WOULD LIKE FOR THE NEGATIVE ACCOUNT TO BE REMOVED OFF MY FILE. PLEASE LOOK INTO THIS MATTER FOR IT HAS HINDER MY REPORT.
Consumer complaint received 2019-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Citizens Bank has the most incompetent escrow department of any lender. Each of the past 3 years, Citizens has failed as an escrow agent to properly pay my homeowners insurance. The payment is due XXXX XXXX each year. Their website reflects the appropriate policy information. But they fail to remit payment appropriately each year. This year, Citizens remitted payment to the insurance company for $XXXX,XXXX on XXXX XXXX. On XXXX XXXX I called the insurance company to confirm receipt and they indicated no payment received. To prevent policy cancelation, I paid the premium from my personal funds. I called Citizens to begin the escrow refund process.One month later, after several additional calls to Citizens, they confirmed their payment was not processed and indicated they would refund my escrow account. Instead, on XXXX XXXX they processed ANOTHER payment. On XXXX XXXX   they finally issues a credit... but only one, not two. Net effect, no refund to me. After another month, several calls and emails, Citizens most recent email response to me on XXXX XXXX was "you were issued a credit on XXXX XXXX". I have asked for several months that this error be corrected. I have walked the representatives through in very detailed fashion. The representatives are generally cordial and listen but no one has actually properly resolved a material financial error. I would like my $XXXX,XXXX back immediately plus accrued interest and compensation for the several hours I have had to expend trying to resolve their error.
Consumer complaint received 2019-08-21
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

On XXXX I received a preapproved offer through XXXX XXXX for a XXXX unsecured personal loan at just over 23 % through One Main Financial. The loan would have been used to pay off credit card balances which would have improved my credit score allowing me to refinance my home. When I accepted the preapproved offer a hard inquiry went on my credit and  they changed the offer to a secured loan against my autos. I let the person on the phone know my vehicles have loans and I wasn’t applying for an auto loan. The lady told me that the company charges 33-37% on unsecured personal loans. Had this been disclosed up front I would NEVER have applied. If this was somehow, someway disclosed, it was hidden at best. I believe it was outright fraud via bait and switch. I would like the inquiry removed from my credit report. I called the credit dispute of One Main and was told I could write a dispute but it would not change anything .
Consumer complaint received 2019-08-20
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. (FL)

I have incorrect information on my credit file as a result of identity theft:HARD INQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Requested On: Inquiry Type: XX/XX/XXXX, XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX Requested On: XX/XX/XXXX Inquiry Type: Individual XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Requested On: Inquiry Type: XX/XX/XXXX Individual TRANSUNIONCOLLECTIONS:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Placed for collection: Responsibility: Account Type: Loan Type: XX/XX/XXXX Balance:Date Updated: Original Amount: Original Creditor: Past Due: XXXX Pay Status:XX/XX/XXXXXXXXXXXX XXXX XXXX  (Medical/Health Care) >XXXX< >In Collection< Individual Account Open Account COLLECTION AGENCY/ATTORNEY Remarks: >PLACED FOR COLLECTION<Estimated month and year that this item will be removed: XX/XX/XXXX -----------------------------------------------------------------------------------------------------------------------XXXXHARD INQUIRIES:XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX COLLECTIONS:XXXX XXXX Potentially Negative Account Name XXXX XXXX  Balance XXXX Account Number XXXX Balance Updated XX/XX/XXXX Account Type Collection Responsibility IndividualRecent Payment Monthly Payment Original Balance Highest Balance TermsOn Record UntilXXXXXXXX XXXX XXXX 1 Months XX/XX/XXXXXXXX  XXXX XXXX XXXX Collection Responsibility Individual Balance XXXX Account Name Account Number Account Type Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until XX/XX/XXXX XXXX XXXX XXXX XXXX 1 Months XX/XX/XXXX Date Opened Status Status Updated Payment History XX/XX/XXXX Collection account. XXXX past due as of XX/XX/XXXX XX/XX/XXXX -----------------------------------------------------------------------------------------------------------------------TRANSUNIONHARD INQUIRIES:XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX COLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNPAID Balance DateAccount Designator Code Account Number Creditor Classification Last Payment DateDate of First Delinquency Contact XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX INDIVIDUAL_ACCOUNT XXXX XXXX Medical or Health Care XX/XX/XXXX
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I'm attempting to get on the loan of my mother that passed. And the bank is not allowing that. I have sent in all requested docs. At one point they were accepting my payments then stopped saying only the person whos name is on the loan can send in a payment. I have sent in the requested docs more than 10 times
Consumer complaint received 2019-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (CA)

I send a two certified letters requesting Validation of this account. First letter XXXX XXXX, 2019, No response. To Whom It May Concern:This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau{s}, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g  Sec. 809 {b} that your claim is disputed and validation is requested.This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.  I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following:•	What the money you say I owe is for:•	Provide me with copies of any papers that show I agreed to pay what you say I owe.•	Identify the original creditor:•	Show me that you are licensed to collect in my state: California•	Provide me with your license numbers and Registered Agent or Agent of Service: If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information.Best Regards,XXXX XXXX. XXXX
Consumer complaint received 2019-08-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I leased a XXXX XXXX XXXX and returned the lease on XX/XX/2019 which is 4 days prior to the lease end date. Toyota Financial claims I kept the car two months past the lease end date without paying for the vehicle although I have proof from the dealer which received the car back in XXXX. I never received any invoices for this supposed late return. As a result of their mistake they have ruined my credit and my credit score has dropped by 72 points. I have been trying for the last month to resolve this issue with Toyota Financial and the three main credit Bureaus. Toyota is now admitting they made a mistake but have yet to inform the credit Bureaus. Every time I call Toyota I spend 15-25 minutes on hold and once connected I get a representative that can barely speak english and keeps reading a script. I am no longer willing to tolerate this, my credit score went from 805 to 733 for a mistake Toyota has made and keeps promising to resolve for the past month.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

To my knowledge, I was never late on my XXXX credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/2018 which is not true. I have had this credit card since XX/XX/2018 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Consumer complaint received 2019-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received correspondence from Bank of America only stating that they are reporting accurately yet unable to furnish the information on how the account was open and a wet signature bearing my name.  This account was a result of identity theft and I have never owned a Bank of America Card.I am attaching my rights as a consumer that they delete and remove per FTC that if an identity theft report is supplied and copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies (CRAs). As a furnisher, upon receipt of a consumer’s written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection
Consumer complaint received 2019-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch (CA)

In XX/XX/XXXX I financed a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX. Every monthly payment was going well with Veritas Finance. Halfway through XXXX I receive a letter by mail stating VXXXX XXXX had given my loan over to First Investors Financial Services. Once I started dealing with 1st Investors my monthly payments seem to always be an issue. I have never received a single bill by mail nor email stating my monthly payment was coming up or statements. I call first investors to make a payment and nobody can ever take my payment. Per the agent the call needed to he transferred elsewhere. I receive calls from another agent every month to collect my payment. I do not have access to my account to keep track of my payments. Online login states account is no longer active. This year XXXX there has been several payments that have been collected but then get a call from an agent stating I am 2 months behind and I need to make both payments, when in reality my payments have gone through and I have proof. On XX/XX/XXXX repo was was outside my house to take my vehicle due to me not paying. Additional charges were added to my bill due to repo having to come to my door. The amount due onXX/XX/XXXX per the agent was less than XXXX dollars. NowXX/XX/XXXX the amount due is XXXX. As I was calling to make this month’s payment I was told repo was processing the pick up of my car since XX/XX/XXXX payment wasn’t made !? My husband has proof of the payments being made on his bank account and it did go through. I have been having issues with the financial company every since they took over my loan. Now I cannot even trade in the car for a newer vehicle due to the mistakes they have noted.
Consumer complaint received 2019-08-02
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: BMW Financial Services NA, LLC (OH)

On XX/XX/XXXX BMW FINANCIAL SERVICES/CREDIT gave me a hard inquiry. I have NO IDEA where this is coming from. ( picture attached below ) I do not own a BMW. I have not applied for a BMW. And to be straight up with you I have been in California since XX/XX/XXXX. So i have zero idea where this is coming from. 

Can you please make sure I do not get penalized for this and also get this hard inquiry taken off my report. 

AGAIN, I have not applied for anything with BMW and they DID NOT have my authorization to pull my credit. 

Thank you, XXXX
Consumer complaint received 2019-03-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CHECK INTO CASH INC. (CO)

Payday lender Check Into Cash was told the party they were trying to reach was unavailable. Their response was to call every 30 seconds for the next 5 minutes, each time being told not to call back, each time trying to yell over the request then ultimately ignoring it.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/2023, I has spoke to a gentleman by XXXX XXXX, and never returned or answered my. calls and I found out by XXXX of my coworkers that he was no longer an employee at the company. I have been trying to get my refund retuned of {$3500.00} back. I had been emailing the company in order to have my refunds retuned and specifically advised them in writing to mail me a refund with my address and advised them that my bank account was closed. I have been having issues since XXXX XXXX. I have called my bank Wells Fargo numerous of times and advised me that there was a several attempts that they tried to deposit the monies but could not go in to a closed account.
Consumer complaint received 2019-08-20
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. (CO)

I have never authorized deferment or have made a payment for any private loans since XXXX. On my credit report it says I have from XXXX asking for deferment for Private loans. I have Federal Loans that are in deferment through the XXXX but never have authorized for private loan deferment.    I have email communication from XXXX asking for federal, but never private loans.    I know XXXX is uses deceitful tactics to trick borrowers. I have contacted my Attorney General as well.I am part of the XXXX XXXX  and have contacted the XXXX Lawyers  that are heading up the lawsuits against XXXX XXXX and XXXX.These loans are past the statute of limitations for collections from a school that was shut down for fraud.
Consumer complaint received 2019-08-20
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: AES/PHEAA (FL)

To whom it may concern,Please consider this letter as a formal, written grievance against the mishandling of the federal loan account ending in  XXXX and, the subsequent disputes regarding an erroneous delinquency reported to the credit bureaus, to include XXXX, XXXX   and XXXX. I implore you to review the inconsistencies within your internal emailing system and the misstatements given by your managing account specialists. Moreover, I would like to bring your attention to two phone conversations held with federal loan specialists, in which the first agent provided contradictory information to that of the 2nd representative.Initial call took place on XX/XX/2019 at proximately XXXX XXXX. Please track sequence and review this call. Within this call, the representative scoffed at me to imply that I was lying about ever submitting a deferment.  The federal loan account specialist confirmed with upmost certainty that there was absolutely no record of Any deferment documents in her system. Her condescending tone was quite discouraging therefore, I allowed her to terminate the callWithout resolve. She advised, as you will hear from the recording, that without a confirmation email, no receipt could be verified. Later that evening, I called and advised that I would record the call for quality assurance. The call had to be transferred . XXXX  (XXXX  sequence number) was gracious enough to review file. After searching multiple times, she was able to confirm my deferment documents. This leads me to believe that when the deferment was confirmed over the phone previously , that the file was mishandled, file was not denoted and I, misinformed. This has caused a great deal of emotional distress upon me. I have pleaded for assistance but, instead I’ve been ignored and bullied by the federal loan team. I have attached phone records for your reference so that you may locate calls and I have printed both confirmation emails.This is my last attempt to resolve amicably.If not able to resolve, I will retain counsel to litigate these matters. Please be advised that a copy of this letter and supporting documents will be provided to credit bureaus. Regards.
Consumer complaint received 2019-08-02
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. (NJ)

Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me in the amount of {$730.00}. ( account # XXXX ) A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires PHYSICAL verification of an original signed consumer contract and not an electronic or E-oscar verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records to which I have recieved verified as accurate without recieving the documentation that I have requested which is a violation of federal law.