davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-20
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. (NJ)

TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX
Consumer complaint received 2020-03-19
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2100.00} UD DEP ED XXXX {$9200.00} XXXX XXXX {$2000.00} XXXX   XXXX {$4000.00} US DEPT ED XXXX {$6800.00} XXXX XXXX {$4000.00} US DEP ED XXXX {$4000.00} XXXX XXXX XXXX XXXX {$610.00} XXXX  XXXX {$200.00} XXXX   XXXX {$200.00} XXXX  XXXX {$240.00} XXXX  XXXX {$150.00} XXXX  XXXX {$320.00} XXXX  XXXX {$220.00} XXXX   XXXX {$300.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$180.00} XXXX   XXXX  XXXX {$610.00} XXXX XXXX XXXX {$820.00} XXXX   XXXX {$480.00} DPT EDXXXX XXXX {$2300.00} DEPT OF ED/XXXX XXXXXXXX XXXX {$2300.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$1400.00}
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (OK)

I have contacted Barclay 's fraud department several times to inform them that this is a fraudulent account along with the FTC report. Barclay 's refuses to mark this account as fraud and stop the garnishment.
Consumer complaint received 2024-11-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (ID)

I am reaching out to seek immediate assistance regarding the closure of my Citibank account, as XXXX actions are causing severe financial and personal hardship. I previously filed a complaint ( Case # XXXX ), which was closed by the CFPB. However, recent developments warrant a review of XXXX actions, as they have further restricted my ability to access my funds and imposed timelines that have created significant challenges. 

Despite my efforts to resolve this matter directly with Citibank, I was informed that my account is scheduled for closure within XXXX  days, with funds to be held for an additional XXXX to XXXX  days post-closure. This delay, following my complaint about accessibility and verification requirements, feels retaliatory. The actions taken by Citibank have : XXXX. Severely disrupted my life, including forcing me to cancel essential, non-refundable travel plans ; XXXX. Placed undue financial strain on me, as I am unable to access my funds for a prolonged period without explanation ; and XXXX. Restricted my access to funds for daily expenses and commitments, compromising my financial stability. 

I am seeking guidance on any applicable laws that protect consumers from undue hardship caused by restrictive banking practices. Additionally, I request assistance in either expediting access to my funds or providing an alternative resolution that mitigates the hardship XXXX policies have caused. 

This situation has imposed an extreme and unnecessary burden on my life, and I am hopeful for a resolution that protects my rights as a consumer. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (NV)

I am a new immigrant who just logged on and because I needed a loan to buy a car I filled out and signed a loan counseling application at XXXX XXXX but to my surprise they gave it to almost XXXX loan companies for review which caused serious damage to my credit, no one told me to do this and I didn't even know that I was being counseled multiple times until I received the appraisal reports from multiple loan companies. These loan companies had no direct documentation of my signature authorization. I am filing a complaint about these actions and would like the opportunity to repair my credit report. 
The following are the companies and times that inquired about the reports without my signed authorization and these inquiries are considered third party actions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> FLAGSHIP CRE XXXX XXXX XXXX XXXX XXXXXX/XX/year>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
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (DE)

TD Bank closed my account on XX/XX/XXXX and has not given me any explanation so far. I have not yet returned the {$15000.00} in my account. I went to TD Bank 5 times and the staff told me to go home and wait for news. I have not received any news so far. I sent an email to inquire, but no response. The following are the bank statements of my personal account and company account. The money in the four accounts was forcibly withheld by TD Bank. After a month, TD Bank did not respond to me or call me. When I called to inquire, they said that there was no money in my account and no money to return to me.
Consumer complaint received 2018-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I have had a checking account with Santander for 4 months. It has been a disaster. I have called countless times to gain online access and was never given permission to access my own funds. So I gave up. I sent a letter to them requesting they close the account and mail me a check for the balance. They stalled for a month. Then they told me they won't close the account because they deserve another chance. I just want to close the account and have my funds back.
Consumer complaint received 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (TX)

I'm contacting you in regards to my mortgage company. There name is Specialized Loan Servicing LLC-NMLS ID Main XXXX ; NMLS ID Branch XXXX ; NMLS ID Branch XXXX. The issue is that there was forced placed insurance put on my account and I was never aware of that happening so I didn't know that there was a escrow change which made my monthly bill go higher. I was only sending in my monthly mortgage payments not aware that there was a escrow account put on the account and I was supposed to send in more. Because of this, my husband and I were reported late to the credit bureau every month between XX/XX/2019 to XX/XX/2019 XXXX XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XXXX XXXX some reason they didn't report XX/XX/2019 as being late and if we were actually late, which we weren't because we were making payments for our mortgage every month, then they wouldn't have skipped XX/XX/2019 XXXX. This has affected our credit scores significantly ( my husband 's credit was immaculate, but then his score dropped down over XXXX points less because of this situation with the mortgage company ). We have now sent in our past due amount ( no one know what was going on on our account for several months and finally notified us of the escrow change in XX/XX/2019 ). I was told by the mortgage company that once they receive our past due amount, which they now had, that I was to request to have all of the late reporting for each month that was reported late that they would remove all of them ( XX/XX/2019 to XX/XX/2019 and XX/XX/2019-as the mortgage company told me that they would remove all of them ) from the credit bureau. The mortgage company never removed any of the late payments from any of those months. I was also told that it is highly illegal to report a customer late to the credit bureau when they are making payments each month. We also told the mortgage company ( when they finally told my husband and I what was going on in our account ) that we would send in the payments for the home insurance seperately and they wouldn't even work with us. I feel like they are doing this so we won't be able to refinance with another company and will be stuck with them for a very long time. I hope you are able to help us with this issue. Thank you so much for taking your time to read this and have a wonderful and blessed day.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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 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
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 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
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I contacted my Capital one in regards to them not reporting my account information to XXXX and I contacted XXXX and let them know they werent making my capital one account info available, like XXXX XXXX and XXXX are. As a result my total credit line does not show my capital one account or my credit line on XXXX. Capital one, 30 days later said they are providing the information, but theyre not because XXXX is not making the data available. So one of the two arent providing it and each one is pointing fingers at the other about the issue. Only 2 of my 3 cards are being reported with a total credit line of {$2500.00}. Capital one is missing, another {$6500.00} in credit line which would be {$9000.00} total, not {$2500.00}.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (AL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX Court XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX Court XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Inquiries : 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 XXXX  XX/XX/XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (WA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : 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 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
Consumer complaint received 2024-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

I applied for a consolidation of loans and the SAVE payment plan in XXXX of XXXX. Both applications still say in review. I was sent a bill from MOHELA stating that my payment of {$800.00} is due XXXX XXXX. I can not afford a payment that big, which is why I applied for the consolidation and IDR.
Consumer complaint received 2024-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I am writing to formally file a complaint regarding MOHELAs failure to post a payment to my student loan account. The missing payment, in the amount of {$680.00}, was made on XX/XX/2024. I have the confirmation number available upon request. Despite repeated efforts on my part to resolve this issue, MOHELA has failed to properly address the matter, leaving me frustrated and without resolution for over XXXX months. 

Here is a timeline of the steps I have taken and the responses from MOHELA : 1. First call : I was instructed to wait three months for the payment to post to my account. 
2. Second call : I was asked to upload a copy of my bank statement as proof that the payment was processed. 
3. Third call : I was told the payment would be processed by their Account Receivables team. 
4. Fourth call : I was informed that the payment was never processed, and I was asked again to upload a copy of my bank statement, which I did. 
5. Fifth call : I was told that the issue had been escalated to management, and I should wait 10 business days for resolution. 
6. Sixth call : After waiting more than 10 business days, I was told to call back in another 5-7 business days for updates, but there has still been no progress. 

It has been a total of XXXX months since I made the payment, and MOHELA continues to give me the same instructions without ever resolving the issue. I feel that I am being deliberately given the runaround without any intention from MOHELA to address the missing payment. 

This lack of resolution and failure to post my payment is negatively impacting my account, and I am seeking your assistance in ensuring that MOHELA appropriately posts my payment and rectifies this situation.