davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$33000.00} XXXX XXXXXXXX Balance : {$5800.00}
Consumer complaint received 2024-05-30
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. (CA)

THE PRIVACY ACT OF 1974 and its entirety Public Law 93-579, as codified at 5 U.S.C. 552a SECTION 2 specifically Direct violation of the privacy act of my credit report. 
Dates : XXXX Current creditors obtaining, selling and/or exchanging confidential personal information to third party debt collectors and/or subsidiaries.

( b ) The purpose of this Act is to provide certain safeguards for an individual against an invasion of personal privacy by requiring Federal agencies, except as otherwise provided by law, to -- ( 1 ) permit an individual to determine what records pertaining to him are collected, maintained, used, or disseminated by such agencies
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (MI)

I refinanced my mortgage with Wells Fargo in XX/XX/year> to consolidate debt from a home construction project. During the process, I set up direct withdrawal from my XXXX  XXXX XXXX account. Months later ( XXXX ) I found out from the city that my house was going up in the sheriffs foreclosure auction. I immediately contacted Wells Fargo and they said my direct deposit wasnt set up correctly and because I had agreed to electronic communications from them they did not have to send me an notification via XXXX. I asked why they hadnt called and they said the did, through their automated call system but that system isnt setup/allowed to leave voicemails. Within 2 months I paid the past-due payments and fees in one lump sum but their mistake destroyed my nearly perfect credit.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (CA)

Ally Bank had closed my account and I contacted Ally Bank on XX/XX/year> and it was confirmed that my account was closed and the remaining balance of {$1200.00} in my account was sent to me via check. I have not received the check for my balance and today I called Ally to ask when the check was sent out and Ally told me that my balance is isolated and to contact the person that wrote me the checks and that there is nothing further for me to deal with regarding Ally. This makes no sense, the person who issued me the checks confirmed that the checks have cleared so they dont even have the money anymore. The money is in my Ally account balance which I was told would be sent out or had already been sent to me via check. I just want my money. I dont know what sort of games Ally is playing by not sending me my money from my account balance and referring me to the person who wrote me the checks, whom dont even have the money anymore.
Consumer complaint received 2023-06-24
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. (FL)

I sent letters to all the bureaus to address inaccurate and fraud accounts and inquiries that are reporting and that do not belong to me. PER 15 1681B I DID NOT AUTHORIZE you all to furnish this information. Let alone furnish FALSE AND FRAUD INFORMATION. THESE NEED TO BE REMOVED ASAP.
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Swe Homes LP (TX)

After complaint made to Another Agency :XX/XX/XXXX XXXX and XX/XX/XXXXXX/XX/XXXX about prior payment history and improper servicing and accounting of loan, it was stated that the Servicer/Broker refunded fees credited to my account to accommodate errors found and incorrect fees paid prior in amount slightly excess {$400.00} and that my account was in current status. XXXX verified and confirmed there were payments being held in unapplied status. 

The XXXX and self-stated XXXX argued that the XXXX lacked XXXX over the complaint as the transactions did not meet jurisdictional authority. During the active complaint, XXXX returned payments without cause. Did not provide explanation. 

I continued to make additional weekly payments. Faced hardship due to natural disaster XX/XX/XXXXXXXX XXXX requested XXXX XX/XX/XXXX. XXXX stated that I was in past due of {$1200.00} ( XXXX and XX/XX/XXXX including fees and PreForclosure fee of {$200.00} and holding unapplied payments of {$220.00} ). 

Notice of Intent to Accelerate Dated XX/XX/XXXX for XXXX due XX/XX/XXXX. Only provided ( XXXX ) received weekly payments, I requested review of the ( XXXX ) payments documented sent and provided dates of draft. 

XXXX did not return contact AFTER XX/XX/XXXX. Point of XXXX XXXX XXXX Made payment in full XXXX, on XX/XX/XXXX. Placed in XXXX XXXX, Documentation can be provided. I believe I cured all outstanding debt ( INCLUDING XX/XX/XXXX ) as stated by XXXX XXXX in email. Female security guard sitting at table in foyer facing the parking lot. 

Notice dated XX/XX/XXXX, XXXX has now escalated XXXX and Default of account after payment made XX/XX/XXXX. Has stated that I have failed to cure my debt. XX/XX/XXXX XX/XX/XXXX Scheduled. Which I deny. 

( Prior contact with XXXX XXXX XXXX after having to pay additional money to replace money order from XX/XX/XXXX, that was " allegedly '' returned without cause or legal justification that she stated in email chain to the Investigating agency to appear as untimely payments, was then recanted in private email she sent to me stating that the returned payment would have made me ( XXXX ) month paying in advance, and now I was current. 

Not to mention when I requested the documentation stating my loan was " investment loan '' and how this came to be when the initial application provided to the XXXX marked primary, I was told that " sometime '' during the transaction history, the company modified the terms, but could not provide documentation.
Consumer complaint received 2023-05-04
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. (WI)

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX is reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. It also includes XXXX XXXX XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX violating my Federally protected rights. To add to this, I did not give XXXX written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently received a notice from my bank stating that a collection had been placed on my account. I tried to check my credit report on Equifax and XXXX but the system was unable to provide me with a report. I attempted to dispute the collection with XXXX XXXX, on the Equifax website but their system also would not allow me to do so. I called Equifax customer service to request my credit report, and to review the report with an agent but they informed me the collection was not placed on my account. I assured the agent that I did not have a contract with the XXXX XXXX collections company and that I did not owe them any debt. I also mentioned that the original creditor was paid before this collection was placed on my credit report. I was transferred to another department, and the representative confirmed that the XXXX XXXX XXXX is indeed listed on my credit report as a collection agent. I requested to have the report disputed and was told they would try to do so. I expressed my concerns about my credit report, as the collection has reduced my credit score by XXXX points and is affecting my car loan application status and a job application with an elementary school. I also contacted XXXX to have this correction removed from my credit report. I am also in the process of purchasing my leased vehicle, which is due to be returned to the dealership by the end of this month. The collection and the severe drop in my credit score have negatively affected my financial status and will cause some undue hardship if I am not able to get a vehicle to go to work. If I am unable to apply for a car loan, I will be left without a vehicle. This was was previousely paid to XXXX XXXX company in the amount of over {$500.00}.
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (DC)

I have been making timely payments on my student loans ( can prove with screenshots of bank account debits from MOHELA ) but I am being hounded with " missed payment '' notifications. When I call MOHELA about this, I wait for hours only to be told that they actually *do* see the payments have been made but their " new system '' is misreporting those payments as missed. They claim this will be fixed before my credit score is affected, but I do not trust that as I was told by one agent that credit reporting begins in XXXX whereas one more recently told me credit reporting would not be until this fall. 

Timeline : XXXX '' Friendly Payment Reminder - One Due Date Has Been Missed '' Letter from MOHELA XXXXI call MOHELA and after an hour wait on the phone am told I should not receive further correspondence regarding missed payments going forward as the problem has been resolved. 

XXXX '' Account is Over 30 Days Past Due '' Letter from MOHELA XXXXI call MOHELA and am told the letters are due to a " new system '' but that the issue will be fixed before credit reporting begins in XXXX XXXX '' Friendly Payment Reminder - One Due Date Has Been Missed '' Letter from MOHELA XXXX '' Cascading Delinquency Letter - 30 Days '' Letter from MOHELA XXXXI call MOHELA and they claim that my payment isn't yet processed because it takes 37 days to process a payment. I am now told not to worry about credit reporting until XXXX, contradicting what I was told last month.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> - I sent notarized letters to XXXX about a collection that was placed on my credit report. I sent them a police report showing that my social security card, several credit cards and my drivers license were stolen from my home. These items were used to open several loan accounts in my name, my XXXX card was used to make purchases that I did not approve of. 
XX/XX/year> - The company replied via mail saying that they could not remove the debt from my credit report- though I am a victim of theft and identity theft. I requested that they send me copies of all purchases made with the card along with signatures as well. I have yet to get a response from them.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have submitted disputes regarding information on my credit report which includes balances that are over 3 months behind. I also noticed a significant drop in my XXXX and Equifax credit scores and was not told why. XXXX is the most accurate regarding balances and scores. There is a XXXX point discrepancy between XXXX and Equifax ( XXXX XXXX to Equifax XXXX ) and a XXXX point discrepancy between XXXX and XXXX ( XXXX XXXX ) I have disputed these balances on both Equifax and XXXX with XXXX response. Many of them state there is a lag in balance reports. XXXX is up to date why aren't the others? 

I asked for a Credit Report from XXXX with the representative online. He sent me to a website that was supposed to provide the report at the end of a lengthy questionnaire where I had to provide my social security number and date of birth, private personal information it said for XXXX I would have to submit a request by mail or phone or purchase their credit monitoring service.
Consumer complaint received 2023-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Dividend finance online system is faulty. I setup ACH payments. For some reason the XXXX payment shows past due for XXXX days even though I got a text message confirming that they received the payment and the payment history online shows that they received the payment. But now they are asking for another payment. I am not sure why they want a second payment for this month if they already received. The customer service rep lied and said I have always been XXXX month behind and have been playing catch up which is not true because I check my payment history since the beginning of the loan. After telling him that they are saying the bank returned the payment. I am looking at my bank history online and there are no returned payments. I would like the fees to be taken off my account and for them to remove any derogatory credit reporting as I have automatic payment and ample funds in my account. If they didn't process the payment that is on them, they have my permission to do so. I just made a one-time payment online and it says it is in process but I should've never had to make a second payment in the first place. The payment should have been processed via ACH the first time. The rep on the phone wanted my debit card number, something doesn't seem right about this whole scenario. The representative lied to me and now wants my debit card number???
Consumer complaint received 2024-08-15
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. (GA)

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization.According to FCRA Section 605B it is illegal to report inaccurate information on my credit report without my permission. 
XXXX XXXX, ACCOUNT NUMBER : XXXX BALANCE : {$15000.00} I have no knowledge nor did i give authorization to this company.
Consumer complaint received 2024-05-29
Product: Credit 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: WELLS FARGO & COMPANY (FL)

In XXXX of this year, 16 fraudulent charges appeared on my credit card totaling {$3900.00}. 

I contacted Wells Fargo who initially credited my account and issued me a new card. After about a week, they decided that I was liable for the charges and reposted them on my account. The issue being that apparently their system shows that a chip was used when making the purchases and I had let stated that I had not lost the card nor lent it to anyone. 

Despite filing a police report, a claim with the Federal Trade Commission and a fraud alert with XXXX, they continue to deny my assertion of fraud. The charges occurred in multiple cities where I was not present. I have requested a letter from my employer stating that I was working on three of the four days the transactions occurred to try to further my case. Unfortunately, one charge occurred on a Sunday so I would need to get a letter from the church where I was attending services at the time. Three transactions were in XXXX where I do reside but hopefully the fact I was working on those days will suffice. Several of the charges were for large amounts and I was never contacted by Wells Fargo to inquire about possible fraud given that all were unusual charges given my account history. 

The charges are as folllows : XX/XX/XXXX : XXXX - XXXX {$250.00} XX/XX/XXXX : XXXX - XXXX {$240.00} XXXX XXXX XXXX XXXX {$56.00} XXXX XXXX - XXXX {$14.00} XXXX - XXXX {$6.00} XX/XX/XXXX : XXXX - XXXX XXXX {$60.00} Big Daddy 's - XXXX ( XXXX charges ) {$98.00}, {$79.00}, {$78.00}, {$76.00} XXXX XXXX - XXXX {$1900.00} XX/XX/XXXX : Clevelander - XXXX ( XXXX XXXX ) {$600.00} Big Daddy 's - XXXX ( 2 charges ) {$230.00}, {$120.00} XXXX 's - XXXX {$100.00} XXXX - XXXX {$22.00} These charges total {$3900.00} ; all of which are fraudulent. 

I have made every effort to work with Wells Fargo to prove that I did not authorize these transactions and they continue to deny my claim. I need further assistance resolving this matter as the bank is not taking any action to help me clear this matter. And hopefully, this is resolved quickly enough that the disputed transactions which I refuse to pay will not affect my credit score. 

Police report case number : XXXX Federal Trade Commission claim number : XXXX XXXX fraud alert confirmation number : XXXX
Consumer complaint received 2024-05-12
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: EQUIFAX, INC. (CA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: PRIMARY RESIDENTIAL MORTGAGE (MD)

On XX/XX/XXXX, my wife and I were informed that a lien was put on our home due to unpaid property taxes in XXXX. After investigation, it appeared that our mortgage handler, PRMI, was responsible for this. We purchased our home in XXXX, our escrow account was up to date, and we'd never missed a payment. PRMI confirmed that we'd never been delinquent, but were unresponsive to all inquiries about the lien. Since the lien needed to be paid off by XX/XX/XXXX, we had no choice but to pay the lien off ourselves on XX/XX/XXXX to avoid the risk of losing our home. PRMI have still yet to respond to reimbursement inquiries. We still don't know where our escrow account was allocated in XXXX, since it wasn't used to pay property taxes. The notice and receipts are attached. 

Additionally, my city 's tax bureau has yet to update our file even though they confirmed receipt of our payment. We still receive mail that our house is being reclaimed. This is not on PRMI, but the fact that this issue they created is still ongoing has caused immense stress for my wife and I over the past year.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2024-05-23
Product: Credit 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: Avant Holding Company, Inc. (OH)

I had paid off my Avant Card and a few days later tried to log in to check on my account. I was unable to. I received an email from Avant that my email had changed. I immediately called them to report that I had been hacked and to shut down this account. I was told they did and that there weren't any charges to my account. A few days later, a charge for {$500.00} appeared on my card to XXXX  XXXX in XXXX CA. That is NOT my charge. I requested to have it removed from my account. They would not. I was told there is no fraud department. That I had to wait 10 days to see if it drops off. If my payment becomes due by that time, I'm required to pay the minimum amount on a charge that's not mine in order to not destroy my credit. They refuse to help me resolve this matter.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I consistently make timely payments. I'm certain about this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't be the case. According to USC 1666b, any billing errors should be corrected, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Bank of America has violated my right. over the last couple of weeks Bank of America has frozen my business assets. they have without notification, recourse and legal letter, stolen my money and have refused to allow me into my account and/ or give my my money. mind you this is all without reason. I will soon have to go to the police. please help