davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I continue to have problems accessing my online report and today through a credit monitoring service I discovered they are know reporting XXXX inquiries in the last month, incorrect information about an account and they have me listed as having for a non existent company. They have caused my credit score to drop XXXX points with their mistakes!!! 
I should not have to pay postage or waste valuable limited minutes on my phone. I have never had a problem with XXXX or XXXX. Every year I have problems with Transunion and they appear to be the XXXX many companies turn to for credit reports. I have contacted them directly twice with no workable solution. In my previous complaint they were supposed to fix what I reported and they did not. The same XXXX security questions are being used with wrong data for the answers, therefor blocking me. In addition to inability to obtain report : I know they have incorrect information on account status and terms, the have my personal information wrong, and have listed and enormous number of inquiries ... almost an impossible number according to Credit XXXX ... ... I HATE this company and the power they have to ruin lives with their ineptness and possibly fraud to benefit lenders they are associated with.
Consumer complaint received 2016-06-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I have applied for and I believe I have been wrongfully denied a loan modification 1 times over the past year, and am at risk of losing my home because of the false and misleading statements, negligence, willful misconduct and discriminatory behavior of my mortgage company Wells Fargo. 

I have been to court mandated mediation, hired lawyers, even filed bankruptcy to stop the sale of my home. I have sufficient income to afford to keep my home at a slightly lower payment, which is why I continue to apply for loan modifications despite the lender 's denials, which are often for completely arbitrary, contradictory, even nonsensical reasons. 

Most recently, I applied for loan modification and each time the mortgage company provided a different, seemingly arbitrary reason to not deny my application, but not even open the new application due to some reason or another.. 

They first denied me claiming I was missing document. Then they denied my application verbally stating that my application did not show enough of a change from a previous application submitted in 2015, over a year ago, so the application would not be considered. Lastly they denied me stating they have NEW Investor Guidelines stating I have either been 3 years delinquent or previously denied a modification. 

The reasons given were all over the phone, and the denial letters did not state this information or provide any clear reason for the denial. In fact the reason given for the most recent denial indicated that they never even reviewed my application or my circumstances have not changed. Never once did they provide me a copy of the New Investor Guidelines they stated as my reason for denial. 

I believe these reasons are simply pretextual, and that my mortgage company has never had any intention of dealing with me in good faith, or allowing me to remain in my home. I also believe they are discriminating against me due to the fact I am of XXXX XXXX. 

The fact is that Wells Fargo has been losing my papers, not providing me with clear information regarding my applications, asking me for needless information and generally making it very clear that they had no interest in helping me for 2 years now.
Consumer complaint received 2015-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a victim of identity theft several years ago. I have police reports, etc. I filed to put fraud alerts on my credit report and I disputed the information with the agencies. They have failed to supply me with any supporting documentation of the validity of the accounts and they have failed to remove them. There are in fact accounts that I had from 15 years ago that they are still reporting even though they are violating the FCRA, and the florida statue of limitations. I have not been able to obtain credit until a year ago and it was a very minute amount of credit. The credit reporting companies have ruined my life and my ability to even buy a home, and because of their violations I have been forced to file for bankruptcy which will now stay on my credit report for 10 years. They are not even accurately reporting the bankruptcy information properly.
Consumer complaint received 2015-09-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NC)

I opened a checking account on XXXX/XXXX/2015, and moved to a new state shortly after. Citibankaccepted my initial deposit of {$8800.00} into the account via a transaction over the phone. To date, I am unable to access my account, or use my debit card as I have not received my PIN number ( despite having mail forwarding, and receiving my ATM card ). Upon calling Citibank representatives they refuse to allow me access to my account in any way. I have had my ATM card and PIN number sent back to me TWICE. I have only ever received an ATM card ( with noPIN ). Additionally, I can not access my account in any way due to the lack of ATM/PINverification. The wonderfully brilliant powers at Citibank decided that an ATM card and PINcombo is the only way to verify identity ... even though they accepted an initial deposit from this very same unverified identity. It is XXXX/XXXX/2015, and I have NO ACCESS to my funds. I have no checks, no usable ATM card, no online access, and no other access to the funds in my account.
Consumer complaint received 2015-04-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

On Friday XXXX XXXX, 2015 I made a payment at XXXX to Ally Bank for my automobile. There cut off time is XXXX so therefore the payment was made on the XXXX but would not post to me Ally account until the XXXX. I called Ally bank on Saturday XXXX XXXX, 2015 I spoke to a representative and I asked them specifically would that payment be recognized on the XXXX even though it does not post to my account until the XXXX, and if it wont what other payment options do I have because I do not want my credit to affected. The rep from Ally bank told me that it would be recognized on the XXXX even though it was after cut off it will just post to my account on the XXXX but my credit will not be affected. I then went on to ask are they sure and if not can I make a payment that day the XXXX. Once again the rep stated no my credit would be fine and the would see that payment was made before cut off time. Well the rep was wrong and they instantly reported late on XXXX XXXX, 2015 which in turn has destroyed my credit and brought my score down almost XXXX points this is the only negative item affecting my credit right now. I have tried several times to resolve this issue with the company but nothing has been done. I am asking that they hold the word of their employee especially since I offered to pay and they told me no it will not affect my credit. I have contact an attorney because this is not right nor fair. All I am asking is that they remove the XXXX time derogatory remark from credit based on the fact their employee told me it would be ok.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The credit bureau did not perform a proper investigation of the public record that is on my file. I contacted the courthouse, and they advised me that they do not verify directly with the credit bureaus and that they do not have a file on me at my name and address and entire SSN number. So, I need to know how did they verify the inaccurate bankruptcy that is on my file? If it is through a third party, then that is in violation of the FCRA. I need for them to verify this with the courthouse. 
Furthermore, I asked them to perform another reinvestigation of the items on my credit report in accordance to the FCRA, Section 611, part B, subsection ( iii ). Please see the attached letter. They never sent me information that was required. This letter was sent to them certified.
Consumer complaint received 2016-08-09
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MacDowell & Associates, Ltd. (CA)

The judgment was satisfied trough wage garnishment which was paid off in XXXX. This debt shows as paid on my credit report. 10 years later, MacDowell & Associates sends a wage garnishment for the exact same amount that was already paid to them. This debt has been paid. The judgment was entered in XXXX and paid off by XXXX.
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My complaint is with TransUnion about an account on my credit report listed under XXXX XXXX. TransUnion is damaging my character and humiliating. It has been an overly burdensome task to try to have this rectified through the dispute process. I have never owned a XXXX vehicle and never made any late payments. I have worked with XXXX XXXX and sent many letters to TransUnion asking them to provide documentation that they are using to confirm the account is mine, and that i had made said late payments. I request this account be removed from my credit report if they can not provide requested proof/documentation. I have rights under the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section XXXX and Section XXXX regarding their continued willful and negligent noncompliance with my requests. I pray for relief from this overly burdensome mark on my credit. I certify that this said vehicle was never mine and I never made late payments to XXXX XXXX.
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX/XXXX/2016 I contact Trans Union through the cfpb.gov online gateway stating that XXXX of my personal emails hosted by XXXX was hacked, contained account and sensitive information and since XXXX of 2016 I had been receiving account threats of bills and accounts opened in my name using my social security number address name. and the I have subsequent hard inquires as well on my Trans Union consumer credit report and that I would like all inquires made after XXXX removed as I also initiated a Fraud Alert across all XXXX credit bureaus. However I was informed by Trans Union that since the email that was hacked was not the same as the one I used to communicate with the cfpb they were not under under obligation to do anything at all. I find that both untrue and evasive if the material issue was that if my email was hacked then " I '' was compromised and need remediation as a consumer starting with the retainer and furnisher of credit inquiries and records, not misdirection and dismissal of the damages suffered.
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This account has been disputed previously in regards to the Account Type ( charge card ). It not has a status of Paid - when it should be PAID and Closed. 

XXXX - XXXX XXXX. 

Please update the status to reflect its true closure, and where TU has added PAY HISTORY through to today -correct the same.
Consumer complaint received 2016-10-26
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MN)

In 2010, in order to build my credit, I have made a secured deposit of {$500.00} with XXXX. I have been given a secured credit card of the same value ( {$500.00} ) about one year later my balance on that secured credit card was {$460.00}. At that time, I have call XXXX to make a request that I would like to cancel the contract due to my financial situation. I have requested the due balance of ( {$460.00} ) should be deducted from my secured deposit, and my balance of {$40.00} to be returned to me. I did not receive any feedback from XXXX. two years later XXXX took me to collection. All my attempts to explain the situation have been unsuccessful. 
As I am filling this complain today the debt from about $ 1000 years ago is now {$630.00}. 
XXXX have never given me a regular credit card. 
I did not receive my secured deposit of {$500.00}. 
At the opening of the account I was told that the {$500.00} will be used to cover any debt in case I ca n't pay myself. 
XXXX has ruined my life by taking me to collection for a debt I do not contract. please help me out with this issue.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Trans Union : Spent Hours on the Phone with this Company, trying to fix my Online Account Credit service that I subscribed to. For the Past Months my Online Score For its own site to Varies XXXX Parties Showed Me either with a XXXX or No Reported Score. When I called in to find a resolution to this, I was transferred back and forth between and online department saying I no longer have a credit report, vs Disputes Saying My Credit Report is still active. Management Claims no Resolution to this and only Access to my report is via Paper form. 

Luckily this has not Effected my Pre-Existing credit accounts, such as XXXX XXXX, who even their tracking system shows me at XXXX, and I still have received raises to my established credit line due to my payment practice. 

XXXX/XXXX Still shows reports, though have not bought into any other online tracking to verify this. Currently Have no Open Disputes ( Which was told that could lead to this Situation ) I have the reporting since My Name is Common and It is common for these credit agencies to shift stuff under my score with very little background information, Such as just using my name. Rather then an SSN # or any type of real form ID attachment.
Consumer complaint received 2016-05-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (AZ)

Ally Financial bank has been calling me regarding my auto loan, they have been charging me many many fees, late fees, late charges, etc on my car loan. I have asked to have all loan fees in writing to me on several different occasions, XXXX, 2016, XXXX 2016, and XXXX 2016. They have not done so. They say they will, but they have never sent out anything in writing to me so I can review all the over charges I am accruing. They say it is on my statement which is not true. My statement only shows me the latest over fee, nothing more. I am tired of the rude and mean behavior on the phone, they have put my car in collections, refused to work with me on keeping my car and threatened me that " someone '' will come get my car from me. If they can not show an accounting of all the fees I have been charged, then I should not have to pay them, but they argue and are aggressive on the phone not allowing me to speak at all, and lying to me about how they will send all the overcharges out to me, but never do. I have paid off the car loan, I had to pay all of the fees to obtain my car because they refused to take any of them off at all. They would not even consider it, they treated me like I was a criminal, an ingrate, and were very rude and unfriendly. They have made thousands of dollars from this loan, but I am the one who has paid all the fees with no accounting from them. I want to know what I paid and if these fees were reasonable. They already charge a high rate of interest for the loan, it is unconscionable that I or anyone should have to succumb to their demeaning behaviors and horrible costumer service. They were not helpful nor did they want to be. All they want is for the consumer to pay without regard for any accounting of what we are paying, and treating us without regard to our rights as consumers. I will never bank with this bank ever again, and I think they need to be investigated for their fraudulent banking activities and aggressive and rude tactics.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously inquired and made a complaint to the Consumer Financial Protection Bureau in regards to TransUnion deleting inquiries off my report and then putting them back this was over 30 days ago as I have recently checked my TransUnion report inquiries are still there and more or getting put back on I have not use my credit for anything and I have not had any inquiries through TransUnion that are mine I want all the inquiries removed as promised through my Consumer Financial Protection Bureau complaint prior
Consumer complaint received 2015-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flatonia Investments, LLC (SC)

Our mortgage company has repeatedly called us to make a mortgage payment when our mortgage is not late. We were told they would not call us anymore, yet we received a threatening call last night from a very rude person. We feel at this point we are being harassed.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion placed an adverse account on my credit report from a company called, " XXXX XXXX '' with partial account number XXXX on XXXX XXXX, 2008. This account should have never become adverse because I turned in a forbearance form that should have prevent this loan from ever defaulting. Since this account is scheduled to be removed soon anyway, I would like it deleted from my credit report. It would save me and XXXX XXXX a great deal of trouble. If this account is not removed asap I will have to seek legal counsel to get it deleted.
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (MN)

XX/XX/2016, I received a letter from American Express informing me that it has decided to close my credit cards account due to a charge that occurred on XX/XX/2016 that involved XXXX for {$6200.00}. American Express believes that the charge was submitted by a merchant with which I associated with and it believes that no goods or services were rendered by the merchant in connection with this charge activity. I state that this claim is false, since I did purchase windows from XXXX and I do not own or have any association with this company.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I worked on my credit report. I had collection deleted from my TransUnion, XXXX And XXXX. I had XXXX collections that was removed and deleted. But the credit agencies reinserted them again.Pursuant to sub paragraph ( A ) the information may not be reinserted in the by the consumer reporting agency. Unless the person who furnishes the information is complete and accurate. Notice to Consumer, If and any information that has deleted from a consumer file pursuant to subpar graph A is reinserted in the file the consumer of reporting agency shall notify the consumer of the reinsertion in writing No later than ( 5 ) business day after the reverting or if authorized by the consumer for that purpose, By any other means available to the agency. I was n't provided in writing about the reinsertion..
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my transunion credit report today and noticed that there have been XXXX hard inquiries put onto my report. Some of these are from XXXX ( which should not be on being it 's XXXX XXXX XXXX ). The other one 's are from XXXX. I immediately called transunion and was told they ca n't remove hard inquiries that I need to contact them directly. I tried to contact them directly but have no phone numbers. I have not applied for credit in a few months now as I am trying to increase my score and having any inquiries will affect my score. I am submitting this complaint because I did not apply for any credit with any of these companies plus as I mentioned earlier some of them are from XXXX that were just put on today. This is unheard of and transunion will not help me.
Consumer complaint received 2016-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

MIDLAND FUNDING LLC keeps reporting a debt to my XXXX credit report that is a very inflated amount. THey have harassed me with phone calls to my home phone when I had one and have even called my cell phone. I have spoken with them several times and asked how much they have purchased the debt for but they will not give me an answer. The supposed debt was from 2012 Nd was reported as {$3700.00} as of today it is {$6100.00} and showing as a recently opened account. XXXX removed this debt and I have an open dispute with XXXX but I am still getting letters offering a " payment '' plan. I have read many comments and stories online about MIDLAND FUNDING LLC or Midland Credit Management ( same company ). It should be against the law to first almost double a supposed debt owed and then keep reporting it to a bureau as if I had just opened it in the last 30/60/90 days. I consider this harassment.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUnion is falsely advertising that they will sell you your XXXX-bureau credit report and score for {$9.00}. Once you sign up, pay the {$9.00}, and log in, you are required to pay another {$29.00} for the services advertised. I have attached a picture. Both my husband and I fell victim to this fraudulent advertising, but we caught it right away and were able to cancel. The customer service agent who took our call said that it was " never advertised '' that this service was included in the {$9.00} initial price and that it was a separate service entirely. As you can see from the attached documentation this is clearly a lie - the advertising on both the splash page and the sigh-up page claim the reports & scores are included in the {$9.00} initial cost and there is no mention anywhere of the " seperate service '' or " additional cost ''. I would like to report them so no one else falls victim to this deceptive advertising. It 's such a shame that this should come from one of the main credit bureaus that people are inclined to trust!
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I did not live at XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXX My name has never been XXXX XXXX XXXX XXXX is my middle name. 
I have not used XXXX XXXX XXXX.