davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : The following inquiries were not authorized by me. Please deletethem. I have never given my permission for any company to inquire aboutmy credit status. Any inquiries made are unauthorized. The presence ofthese inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act must be removed.

Transunion I have attach the ftc as well as my documents Once your investigation is complete please send me an updatedcopy of my credit report. I would appreciate the name, address, andphone number of the companies who inquired about my credit so that may follow up. 



Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-02
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: SYNCHRONY FINANCIAL (IA)

I have 3 accounts with synchrony bank for XXXX XXXX rewards, synchrony car care and care credit. This company has pulled hard inquiries on two of my accounts which seriously damaged my score and I did not give permission to do a check. I have had these cards for about 2 years. Always made my payments on time I. I called them and all they could tell me is Im sorry there is nothing we can do your accounts have been closed. And when I escalated it to a supervisor I was put on hold for approx. 15 minuets and then they dropped the call. I asked why would you do a credit check on a good standing already active account, and I got a Im sorry! I stated that should I get an attorney for this and thats when I was put on hold for a supervisor and got hung up on. 

There is also one other card I opened with TJMax for XXXX XXXX dollars I activated it but did not use it. They closed that as well before these two accounts So what do I do?
Consumer complaint received 2020-06-02
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. (WA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 90 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (VA)

Recently I received " Return of Load Document '' from Freedom Mortgage Corp. dated XX/XX/2020. Along with my documents, I found 21 pages worth of documents from a separate member of Freedom Mortgage XXXX which I DO NOT KNOW. 

I called Freedom Mortgage Corp. and explain the issue but they mentioned that the department that handle these sort of cases does not have phone number so the customer representative can't connect me. Customer representative told me that they will reach out to me once they get more information on the certain situation. 

I would like the CFPB take some LEGAL action against Freedom Mortgage Corp. by involuntarily sending me the Publicly Identifiable Information or PII information without the consent from the other member.
Consumer complaint received 2020-06-02
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. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1000.00} USDEPTED XXXX {$3500.00} XXXX XXXX {$4200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$33000.00} XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$180000.00} XXXX  XXXX XXXX {$2500.00} XXXX XXXX XXXX {$11000.00} USDEPED   XXXX {$2500.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Applied for the Huntington Bank checking account on XX/XX/2020 Approximately {$15000.00} was deposited in line with an account sign up bonus for {$500.00} that required a deposit of at least {$15000.00} A bank account ( acct # XXXX ) was linked to make the inbound deposit A second bank account ( act # XXXX ) belonging to me was linked ( and verified with trial deposits ) to allow for money movement between my main accounts. 
On approximately XX/XX/2020 I initiated an electronic withdraw in the amount of {$15000.00} to my second account ( act # XXXX ) at an external bank. This withdrawal was blocked by Huntington Bank and a hold place on my account. I have follow up several times, about every other business day, with the bank customer service reps to determine how to remove the hold and I offered to provide further documentation if any was required. 
Each time they suggested I step into a branch location. 
Given that I opened the account online, the bank only has branches in Ohio and the ongoing pandemic it didnt make any sense to require me to drive 9 hours across state lines to show up in person. I offered to send documentation or to simply have them close the account and send my money back. 
I escalated to managers to no resolution. 
The bank continues to hold my money ( approx {$15000.00} ) hostage from me.
Consumer complaint received 2020-05-21
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. (TX)

I have contacted ( called ) EquiFax a few times over a period of a year ( between XXXX and XXXX ). I have set up the account, and the account exists. However, I am still UNABLE to get into my account and unable to secure my credit report or credit score, etc. Each time they said someone from IT will get in touch with me or something like that. I have, each time, successfully identified my identify and yet, no representative from this company was able to resolve my issue unable to access my account!!
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX  XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/year> has violated my rights.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

I need to temporarily remove a credit freeze that I placed with Equifax after their security breach. I called and talked to XXXX ( ID : XXXX ). I was asked many specific personal questions, which I answered ( including my date of birth, address, social security number, etc. ). I was then asked a long list of extremely vague questions, such as 'have you closed any accounts in the last ten years, who were they with and what were their ending account balances? '. I gave them a huge amount of information during the call trying to answer the open and ambiguous questions. None of the questions relating to my credit history were specific - just requests for any information I could remember from the last 10 years. I was then told that they could not release my credit freeze. The only option given to me for unfreezing my credit was to send a copy of my social security card and drivers license through the physical mail, which makes me extremely uncomfortable and seems reckless.
Consumer complaint received 2020-06-02
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: Experian Information Solutions Inc. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1000.00} USDEPTED XXXX {$3500.00} XXXX XXXX {$4200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX    XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$33000.00} XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX XXXX {$610.00} DPT ED XXXX XXXX {$180000.00} DEPTED XXXX XXXX {$2500.00} USDOE XXXX XXXX {$11000.00} USDEPED XXXX {$2500.00} DPT ED XXXX {$12000.00} DEPTED XXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-06-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC. (TN)

In mid-May I emailed CashNetUSA to let them know that due to health issues ( XXXX XXXX and XXXX XXXX ) that my income is now much lower and I can not afford my regular payment. 
I have had my loan with CashnetUSA since XX/XX/2018. The original loan was over {$3000.00}. I have NEVER missed a payment. They did reduce my credit line to {$2600.00}, which I had no problem with about the time the Cortona Virus started.. 
On XX/XX/XXXX I received an auto generated email back from CashNetUSA giving me a number to call, which I called the same day. 
I was told that they do not offer loan modifications. Period. 
I would like to request that CashNetUSA redo my loan so that I can make principal payments and pay them off. I have already been paying around 299 % interest, so they would not lose a cent on me.
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc. (FL)

Loan Servicer : Sofi Lending Issue : Servicer is refusing to release required funds from escrow to cover mandatory homeowners insurance premium. Lender has been provided all insurance information and information has been verified with the lender. They have stated they will hold funds because their system doesn't reflect a payment due although all invoices and documents have been provided by myself and the company. Receipt of documents have been verified by the lender. The lender has excessive escrow balances and should be making payment as required but due to some sort of issue within the organization, they have not. I have attempted to rectify from XX/XX/2020 to present XX/XX/2020 including emails and phone calls.
Consumer complaint received 2020-06-02
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. (CA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 90 plus ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account was on XX/XX/XXXX. It would be impossible to be late on an account where no payments have been made since XXXX. Also, there is a new reporting date of XX/XX/XXXX. It is a violation of the Fair Credit Reporting Act to re-age an account and change the account number to report as current. The FCRA is mandated to report accurate account information on a credit report. This false reporting of a chargeoff account with lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the 15-day grace period : The reported late payment is incorrect because my payments were made on time, which falls within XXXX XXXX  XXXX 15-day grace period. Thus, the account should not have been marked as 30 days late. 
Clerical error by XXXX XXXX  : It appears that XXXX XXXX  incorrectly processed my timely payment. Bank records and payment confirmations show that my payments were complete, well before the 30-day late threshold. The late payment status was applied due to an error on the creditors part. 
Evidence Provided : I have attached bank statements, payment confirmation emails, and account records from XXXX XXXX  showing that the payment was received and processed on time. These documents confirm that no delinquency occurred, and the account should have remained in good standing. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2020 I switched bank accounts from XXXX XXXX XXXX to a local community bank. When it came time to switch my payment information for those bills I pay online, I did so accordingly. However, when I tried to make my monthly student loan payment to XXXX   XXXX XXXX, my payment failed and/or was cancelled ( you'll see on my supporting document in the screenshot that shows my multiple attempts ). I was not made aware of this failed payment until logging into the account several days later. I first tried to call XXXX at the beginning of XXXX to solve this issue. After more than 6 weeks of phone calls to employees and supervisors, as well as and email correspondence ( which started XX/XX/XXXX - please note : we received our first debt collector call on XX/XX/XXXX ) with a customer service representative, my issue is/has still not been resolved and I have had to process payments via mail for the time being. XXXX  continued to waive my late fees every time I called, but has taken no responsibility for the late payment ( s ) that is their fault. Through my own independent research, I found that that probable issue was XXXX was not able to accept the new routing table of my new bank account - even though I was/am having no issues with other online payments such as XXXX XXXX and XXXX.  After various phone calls with supervisors and their IT department, they stated they 'fixed ' the issue but my payments were repeatedly denied. Again, I was never made aware of my initial late payment due to their ( XXXX ' ) failure to process my payment. Both mine and my father 's credit score were severely impacted due to this egregious error. On XX/XX/XXXX, I received an email saying the IT issue had been rectified and to address my dispute directly with the credit bureaus. I filed disputes around XX/XX/XXXX with all 3 credit bureaus and it fixed my alleged late XXXX payment, but not my XXXX - which is clearly an error. I am in the process of refinancing my mortgage and purchasing a new car and now have the lowest credit score I've ever had in my life. Not to mention, it has impacted my father who remains a co-signer even though I've been making on-time payments for 7 years. XXXX has also failed to supply him with the documentation to take him off the account and our email correspondence with our loan agent has gone dark and unanswered. It is my understanding that Transunion made the credit inquiry to XXXX in the first place. It seems that XXXX would have the means to report past due accounts, as in this case, so they would also have the means to report other information to the credit companies, such as this IT issue. 

**Attached you will find email correspondence with Loan Servicing Agent, XXXX XXXX of XXXX,  as well as the payment portal that shows my attempted payments.
Consumer complaint received 2020-06-02
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. (IL)

Experian is reporting incorrectly a collection/chargeoff in the amount of {$64.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was previously removed from XXXX  and XXXX   however, Experian has re-aged this collection and added a new account number along with a new reporting date. This is a violation of the Fair Credit Reporting Act. The FCRA mandates that accurate account information be reported on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report, I have contacted the bureau to remove this however, I have not  been successful.
Consumer complaint received 2020-06-02
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$57.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} COLLECTIONS XXXX {$120.00} XXXX/XXXX   XXXX {$190.00} XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$6000.00}
Consumer complaint received 2020-06-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : U S DEPT OF ED/XXXX, DEPT OF ED/XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX   XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (FL)

I was working in XXXX while my resident in XXXX XXXX FL, when the virus outbreak started I had to break my lease and move back home, the apartment owner didn't care about the virus and ask for {$3400.00} for breaking the lease, I couldn't afford that since I'm still out work, didn't get any government help and don't know when i can get back to work. the debt make it's way to National Credit system , INC, they start immediately calling sending letter treating me, my first action was to send a register mail asking for ACCOUNT VALIDATION REQUEST, they ignored that and keep sending mail and calling, I'm not sure what is my right at this point and how to move forward, I apricate same help and direction on this matter. 
XXXX