davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
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. (OH)

This is the second time I have sent a complaint to Experian over account that I didnt recognize. Please delete these two accounts XXXX XXXX XXXX, XXXX XXXX XXXX. I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX BANK # XXXX, XXXX XXXX CO XXXX XXXX. I WILL BE FILING A REPORT WITH FTC AS WELL
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF NATIONAL BANK (IL)

We are currently trying to refinance with a lender ; however, per our Title pull, we have an existing outstanding mortgage on our home from XX/XX/XXXX from TCF Bank, ( which was a first mortgage from the purchase ) that was never recorded as being satisfied / paid off ( even though it we refinanced with another company in XXXX and our first mortgage was paid off via that refinance ). We faxed a loan satisfaction / release request on XX/XX/XXXX to TCF Bank, and since then this has not been satisfied. We have called TCF Bank every week since then ( sometimes several times a week ) to find out why this document hasn't been recorded yet with our County,  and they give a different story every time ( it's still processing, it's delayed, it's been satisfied / processed, it was sent to the County, it wasn't sent to the county yet, etc. ). Also, we can never speak with anyone but customer service, as they will never connect us to anyone in the loan / lien department there. We have been given the runaround for over 2 months now, and since then we have not only lost our loan rate lock ( which we paid over {$2500.00} for ), but also months of lost savings from not being able to refinance ( over {$500.00} a month for several months now ). TCF Bank refuses to send us the document directly so that we can bring it to the County for recording ourselves, and will not give us a straight answer as to why this has never been recorded with our county.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I would like to file a complaint against XXXX, Transunion and XXXX   regarding XXXX College. I have disputed this account several times as well as asked them to provide proof that this account was mine. On my credit report it states under the comments, " Debt included in or discharged through Bankruptcy Chapter XXXX. '' I would like for XXXX, Transunion and XXXX to provide me with proof that they received evidence of this account. I have sent letters to XXXX as well as disputed with the credit reporting agencies. XXXX never responded to my complaints and the credit reporting agencies claimed they were verified but never provided me with proof. The high amount it states is {$2500.00}. It currently states a XXXX balance but I want proof of the account or I want it removed from my report.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (FL)

Ncc business XXXX florida put unauthorized charges on my credit report listing it as a collections account. I disputed the charge and they wrote me explaining, I needed to sign a notarized affidavit w painting this was an unauthorized charge.

I did that and also provided a copy of my driver 's license via snail mail. Yet, this company has never responded back or removed the debt off my credit report
Consumer complaint received 2019-09-11
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: EQUIFAX, INC. (WI)

I was unable to apply for Social Security and XXXX online because I could not answer questions that were supposed to verify my identity. The questions required me to answer which bank provided my home mortgage, which institution provided my auto loan, and which retail credit card did I have. I could not answer these questions because I have never had a mortgage, I have never had an auto loan, and I do not have any retail store credit cards. The Social Security Administration web site indicated these questions were based on information that they receive from Equifax. 

I tried the following things at the Equifax web site to resolve the problem but I was blocked at all approaches because the same incorrect information in the Equifax database is being used to try to verify my identity : 1. I could not check what information Equifax had regarding the loans that it said I had acquired..

2. I could not check my credit rating.

3. I could not report the possible XXXX or identity theft at the part of their web site that was supposed to accommodate that.

4. I could not talk to a person on the phone at Equifax because I could not get past there identity verification questions.

5. I could not establish an Equifax account because my name, birth date, and social security number seem to be associated with an existing account that has an email address that is not mine. 

The Equifax chat line told me that I could mail in the Research Request Form, but the URL pointing to the form was wrong. I used XXXX to find this form. I am mailing to Equifax a copy of my driver 's license, my birth certificate, and my social security card attached to a research request.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (NY)

Im writing this letter to report that my credit card with Citibank are illegally being monitored. 

I suspect someone have illegally accessed my personal information and track my credit card activities without my permission. 

I received 3 Robocalls from Citibank since Friday, XX/XX/2019. 

This activities are ongoing and needs to be stopped due to privacy violation.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Experian / XXXX XXXX XXXX XXXX XXXX, TX XXXX To Experian Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX because of multiple inaccuracies. 1. In the Open Date sections of this listing. XXXX is reporting XX/XX/XXXX for the date this account was opened. However, Experian and XXXX is reporting that it was open on XX/XX/XXXX. These dates are inconsistent. 2.  In the Account Status sections of this listing. XXXX is reporting that it is a closed account. However, Experian and XXXX is reporting that this account is Open. How can this be inconsistent? Please Delete! 

I understand that any inaccuracy reporting on an account makes the entire account invalid and must be deleted. Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :XXXX
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MD)

I have an account with Synchrony Bank. Balance has been paid in full in fact I am owed money. On XXXX  and XXXX it is reporting properly but not XXXX. I contacted them regarding this matter and I'm having a serious issue. I need them to make and update immediately as this has been paid.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # XXXX Experian / XXXX XXXX. XXXX  XXXX XXXX, TX XXXX To Experian Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX XXXX because is the Account Status section of this listing. XXXX is reporting that it is a Open Account. However, XXXX   and Experian is reporting that this account is Closed?!? Please Delete! 
Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX, XXXX DOB:XX/XX/XXXX SSN # XXXX
Consumer complaint received 2019-09-11
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: CITIBANK, N.A. (NM)

I show a hard credit inquiry from XXXX XXXX that I have no record of from XX/XX/2018. I use to have an XXXX XXXX credit card but have not had it for years and years and never re-applied.
Consumer complaint received 2019-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All three major credit bureaus seem to be reporting the same erroneous information that includes harassing debt collectors that are calling me, however these negative accounts do not belong to me. The results of this has cause my credit score to drop considerably.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

personal information iis incorrect and soes not not bwlong on my credit report names : XXXX XXXX ( incorrect ), XXXX XXXX XXXX ( incorrect ) only correct name is XXXX XXXX XXXX addresses : XXXX XXXX XXXX XXXX, MA XXXX ( incorrect ), 1942 XXXX XXXXXXXX XXXX XXXX XXXX XXXXL XXXX XXXX incorrect ), XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX incorrect XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( incorrect ), XXXX XXXX XXXX XXXX XXXX, FL XXXX ( incorrect ) all rhwae addressea arw bit mune and dobt vwlong or have nwvwr belonged to me.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-11
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # XXXX TransUnion Consumer Relations XXXX XXXX  XXXX   XXXX, PA XXXX To TransUnion Dispute Department. 

I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX XXXX**** because is the Account Status section of this listing. TransUnion is reporting that it is a Open Account. However, XXXX and XXXX is reporting that this account is Closed?!? Please Delete! 
Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX, XXXX DOB:XX/XX/XXXX SSN # XXXX
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (CA)

I am writing because I believe First Progress can use improvement with communicating important information to customers. The monthly statement, dated XX/XX/2019, disclosed that the Annual Fee of {$49.00} will be imposed on [ the ] next monthly statement. I read at the end of the statement that payment of the annual fee could be avoided by sending written notification of termination within 30 days. The annual fee was charged to my account on XX/XX/2019. I sent a letter requesting that the annual fee be refunded and my account be closed. On XX/XX/2019 I received a voicemail from XXXX with First Progress requesting that I call at my earliest convenience. I called that same day to confirm receipt of my letter. The customer service representative told me that the annual fee would not be refunded because charges were made to my account after the fee was imposed. The customer service representative was unable to direct me to where I could find a statement regarding forfeiture of the annual fee in the Terms & Conditions. I have read through the information I received with my card but I can not find where this policy is stated. I was told Im sure its in there somewhere. The call ended with me being informed that corporate made the decision not to refund the annual fee. 

I believe First Progress should communicate information more clearly. I became aware that the annual fee had been charged to my account when I logged in to my account on XX/XX/2019. The statement dated XX/XX/2019 ( with a due date of XX/XX/2019 ) disclosed that the annual fee would be charged on the next statement, which happened to be XX/XX/2019. If I had not logged in on XX/XX/XXXX I would not have been aware of the transaction until XX/XX/2019, when First Progress emailed the notice that my statement was ready to view.
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a home loan with Bank of America, I fell behind originally due to natural disasters that hit every year before XXXX ( XXXX XXXX, XXXX, XXXX XXXX and I had a reduction in income. I applied for assistance with bank of america and went through multiple reviews trying to get assistance. They were saying they were " unable to verify my qualifying income '' which I never could get a good explanation since it was VA military XXXX and Social security which were verified with award letters and bank statements. For a time in XXXX I earned some self employment income of around {$2400.00} per month but lost it the same year. Bank of America made me file a tax return to document it so they could count it and I did and provided a copy to them but since the IRS was slow to process it when they did the 4506T transcript it did not show up yet. I escalated it then and it was supposed to be all cleared up. Since then I have not filed since my household income has been tax free from VA military XXXX and Social security. Then around XX/XX/XXXX XXXX hit and we were affected and went on the XXXX forbearance. As everyone was told that at the end no one would have to make up all the payments but there would be assistance to bring the loan current so we wouldn't lose our home. So XX/XX/XXXX it ended and we applied for assistance. Bank of America ends up saying the same thing they did and denied us that " they could not verify our qualifying income ''???? Since our only income for the last 4+ years has been VA XXXX XXXX and Social security I couldn't get anyone to explain how they could not verify that when I sent in the award letters and bank statements showing the deposits???? Now Bank of america has sent us foreclosure letters through XXXX XXXX XXXX XXXX attorneys office. I have reached out to the attorneys office to find out if there is a foreclosure sale date but they have yet to answer for 2 days and from my experience with these people in the past they don't give notice as required by law but they just impose a sale date and by the time I find out it is too late to do anything. I have reached the end of the rope as we are facing health problems from XXXX and my wife is sick and is more susceptible to XXXX  due to her poor health and being 100 % XXXX from service connected XXXX.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

I am a XXXX XXXX currently serving XXXX then on XX/XX/XXXX of XXXX I received an email that said thanks for your bank transfer of {$9800.00} I immediately called and cancelled my card and reported it is fraud. Three weeks later I received the email again for the same amount when I hadn't yet received my new card. I called and reported it as fraud again to which they told me they were cancelling the account again and sending me a new card. After a month they called me up and told me that it was not fraud and that I did it which is not true because I have never done anything with the bank that the money was transferred into.
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

How do these people get away with what they do to people!?!? They told us, In order to do a moderation you cant make payments on the account until the moderation has gone through. Well, 8 months later after a very lengthy conversation back and forth of why the moderation was never sent to the under writers. Literally things like the phone number was in the wrong place so we had to resend the documents or the address was to low, or the name wasnt legible, you name an excuse, they gave it to us. So once they said too much time had gone by and wed have to start over again, I said no way, because for one they put our house into active foreclosure!!! It set to go for sale on the XXXX. We are trying to send them the money. They dodge our calls, put us on hold and hang up, give us bogus ways that they know wont work to get the money to them because they want our house! Not to mention, every time I call them they tell me this amount is good until the sale on the XXXX, then I finally get someone, by getting around their dodging us and the amount goes up XXXX $ more in 2 days!!!!!!!! 
Im lost and only have a few days left. Someone please help me and let me know what to do. We cant loose our house because they want our oil and gas land!!!! Please HELP!! Tell me what I can do to stop this! We live in a small town and dont have attorneys-that are big enough to take the case. Im so lost. How do they get away with this???? Why is this legal??? Why isnt there more help out there for people being victimized by these big banks????
Consumer complaint received 2022-01-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I HAVE BEEN DISPUTING AND COMPLAINING ABOUT THIS COMPANY XXXX XXXX XXXX TO EXPERIAN FOR THE PAST FEW YEARS NOW, THEY HAVE BEEN ILLEGALLY ADDING AND RE-CREATING OLD CHARGES THAT I AM NOT AWARE OF FOR OVER XXXX YRS NOW. XXXX KEEPS EACH YEAR RE-CREATING THESE SAME OLD CHARGES THAT SHOULD HAVE BEEN REMOVED OFF OF MY CREDIT LONG BEFORE NOW. XXXX HAS JUST FLAGGED MY ACCOUNT WITH EXPERIAN THIS YEAR XXXX ADDING A NEW CHARGE OF : XXXX OPENED ON XX/XX/XXXX?? XXXX HAS BEEN ADDING CHARGES THAT ARE OLD AND RE-CREATING AS IF NEW TO KEEP MY FILE NEGATIVE AND DELINQUENT THIS SHOULD BE ILLEGAL, AT TIMES OPENING 2 ACCOUNTS IN THE SAME YEAR, ON 2 DIFFERENT OCCASIONS. DATES : XX/XX/XXXX XXXX, XX/XX/XXXX {$2100.00} AND XX/XX/XXXX XXXX ( SAME YEAR ) : XX/XX/XXXX {$1300.00} AND XX/XX/XXXX XXXX ( SAME YEAR ), XX/XX/XXXX {$1400.00}, XX/XX/XXXX {$1800.00}. PLEASE INVESTIGATE XXXX OLD CHARGES RE-APPEARING AS NEW
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

After applying for a loan, I was given a copy of my credit report and I noticed some of my personal information XXXX, Equifax, and XXXX was inaccurate or missing including current address and date of birth.