davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
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. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
=========================== UNAUTHORIZED INQURIES : XXXX XXXXXXXX XXXX XXXX XX/XX/2022 =============================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I have a CLOSED visa credit account at XXXX XXXX XXXX which is disputed and affected by a natural or declared natural disaster. The FCRA and Metro 2 protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my Experian, XXXX and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete all my XXXX XXXX XXXX account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster.
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST ADVANTAGE CORPORATION (TX)

My complete identity includeing Id, passport, social security card, birth certificate, credit cards, debit cards ect. Was stolen out of my car in XXXX of 2021. Various accounts has been open in my name because of this. A police report was made and i also have the case number Case # XXXX
Consumer complaint received 2023-10-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-13
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: Bread Financial Holdings, Inc. (CA)

In XX/XX/2023 I Submitted a dispute over the phone with XXXX ( my 3rd dispute ) Report Number:XXXX for COMENITYCB/MYPLACERWDS regarding the charge off account for Victoria Secrets, because their response to the bureau in regards to my previous dispute was they sold the account to another lender, I request and explanation In light of the fact that this account was sold to another lender, how are theyreportingit? and request them to Please delete this account if they can no longer provide proof that they own it. 
Today I got a notification in my XXXX for COMENITYBANK/VICTORIA Account XXXX showing the account was Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
When I opened the report COMENITYCB/MYPLACERWDS as a responseto my previous dispute update a comment : Purchased by another lender. 
If they Don't own the account anymore What steps are they taking to report this account now that it has been transferred to a different lender? 
why they are ignoring my prior request and if they can no longer provide evidence that they own this account, they need to delete it. 
I will attach copy of my credit report as a evidence of their response
Consumer complaint received 2020-04-07
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. (NY)

Experian, reported they investigated the reported information, I also supplied the company with paid in full letters from the companys and refuses to report correct information. I can not get ahold of the company via telephone to seek the results of the investigation and it appears the documents I sent to them since XXXX are not being used. They are reporting they investigate and when I reach out to the companys they are report ring they asked Experian to delete or remove the information they continue to report as correct. This company is being discriminatory against my complaints.
Consumer complaint received 2018-05-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage Letter dated XX/XX/2018 Resolution inquiry has been doing nothing to address the issue or request I have requested. 
Wells Fargo Home Mortgage keeps advoiding what's requested and keeps on mixing things up that's not upon request that's requested. Wells Fargo also will not address the issue or documents that have been done by Wells Fargo Home Mortgage/ Notary that was hired by Wells Fargo Home Mortgage which is the Documents dealing with the all purpose document that is not my signature nor any page or signature referring to the document nor is that my signature nor did I appear personally. I also see that the notary fill out the entire page and sign my name. Wells Fargo Home Mortgage does nothing more than fraud time after time. But acts as if nothing was done on there part.

Lets stay focus to the request nothing else stop playing games and the run around.

Stop calling at all times of the night playing games Wells Fargo Home Mortgage likes to wait till late at night to call but have all day to call. Its nothing but games with this issue of fraud by wells fargo.

The document that was sign by me had no other document the day as it states I appeared that made the instrument legal which is the loan. The document that is not my signature is in question to why it was sign and fill in afterwards and saying personally appeared.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit profile. Can you verify the paperwork? XXXX  of the documented accounts exhibit inaccuracies in reporting, including erroneous amounts and dates.
Consumer complaint received 2023-02-21
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. (NY)

My name is XXXX 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 2023-10-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (TX)

I was in the loan modification process this year, on XX/XX/XXXX I was sent a letter from Flagstar Bank to send my income docs, hardship letter, and income worksheet. We mailed the information back in the envelope that was sent on XX/XX/XXXX and in XXXX when I called to make a payment I was told that my home was now in foreclosure, this is not what I was originally told. The customer service rep stated, If I continue making payments and send docs when requested the payments that were not made during the hardship forbearance would not be considered late due to COVID. Then on my credit report, it showed over 180 past due for those payments not made while I was in the forbearance. I was told that by continuing to make my payments those would not be held against me but the payments would show on my credit report in good standings. So I got approved for a new modification but the late pays still shows on my credit when I did everything they asked when I called and asked why I was ever denied the representative told me they have a new servicer that didn't accept the original documents and I never was told that. So now this hurts my employment because I work in the XXXX XXXX and lowered my score drastically.
Consumer complaint received 2023-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AIH Receivables Management Inc. (MO)

I have been receiving phone calls at any time of the day while at work or at home for a medical debt that is for someone else with the same name as mine. We are now up to about 6 or 8 phone calls where I have notified them that this is not my account, not my middle name, not my ssn, and not my debt. On every call, I asked them to take my information out of the file for this account. Every call they have told me they are not the one I spoke with last call so they had no idea. Every call I have asked them to document that they are calling the wrong person and they said they would do that. This company clearly has not done that which has resulted in ruining my attitude at work and is affecting my productivity. This is harassment, which I have notified them that I would be issuing a complaint about. This company is AIH Receivables : Medical Debt Collection XXXX XXXX  Kansas. XXXX
Consumer complaint received 2023-10-13
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)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IN)

I made a payment of amount due on my student loans on XX/XX/2023, in the amount of {$240.00} via my account portal. I received an email confirmation of my payment and a confirmation number. 
On XX/XX/2023, I then get an email stating that my account was past due and that I needed to make a payment. I log on to my portal to find that my payment was 'reversed ' and that I was past due. My payment was reversed XX/XX/2023, per portal. 
I did not receive any communication regarding this reversal nor a reason for the reversal. There is no record of them attempting to pull funds or return funds with my bank, and I know my routing/account number were correct since I pulled them from a bank slip. I have never been able to reach an agent, either by phone or by chat.
Consumer complaint received 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit profile. Can you verify the paperwork? Several of the documented accounts exhibit inaccuracies in reporting, including erroneous amounts and dates.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (DC)

Between XX/XX/XXXX and XX/XX/XXXX my WELLS FARGOS Credit Card was removed for my credit report, but it came back on my report this account should be off my credit report.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive contacted and disputed a public records listed on my credit report that does not belong to me. There are also other errors in the credit reporting from trans union. Trans union and XXXX has refused to remove these items has not produced any proof of verification and will not allow me to access my credit report or make any further disputes. I was told in order to have access to my credit report that I had to cancel my dispute. I informed them they are violating the law and they have refused to remedy the situation. I contacted them online and via phone and they have done nothing to rectify the situation with removing derogatory items from my credit report or allowing me access to a copy of my report online or via phone.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

1-My business credit card was revoked for no reason and no one at Bank of America would give me a reason 2-the bank confiscated the {$600.00} XXXX XXXX  bonus I earned and wouldn't release it even after multiple attempts
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WV)

Applied for IDR SAVE repayment plan in XXXX and the status has been 'under review ' for months now. I even tried resubmitting it and have received no correspondence from Mohela about this application. I have emailed them and received no response as well. I have received my payment amount now and it is not on an IDR plan and the payment is too high and they are giving me two different payment amounts due now as well. One is {$200.00} and the other is {$400.00}. I have attempted to call them and been on hold for hours just for someone to answer and not be able to hear me when I talk and then hang up. It is unacceptable customer service. My application should have been processed by now and I should not have to be doing this but the customer service should have expected a large rise in calls and should make sure they have the ability to hear people after they wait hours or call the number back if they can not hear the customer.
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC (LA)

This started back in XXXX, I ask why I'm still paying for their ins., I got my own ins. and the said that it has to do with escrow and I showed the ins. amount and I have my own ins., I was told to wait and the was going to check and get back with me, and they never did., I called them and ask about the modification, I was told they were still working on it. well, my payment was getting late and wanted to pay something on and, I was told, no they were still working on it. I waited, no anwser, I got a letter in saying they need more information, Ok, I did. Then I was told that they could not help me, because, I was not making enough money, Then now I was 2 months behind and tried to send them, {$400.00}, and the took it, but I was having trouble with the bank, and payment came back. Now I'm getting letters on foreclosure and i'm trying to get a loan to pay, and again I tried to give them {$400.00} and they refused partial payment, I was told they do not except partial payment. Right now I'm trying to come up with something. I feel they are doing this purposely, they want my house.
Consumer complaint received 2024-04-05
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. (MA)

XXXX XXXX XXXX account XXXX. Was open fraudulently after my XXXX was stolen I have contacted all partys including XXXX XXXX and all XXXX credit bureaus at XXXX point it was removed from my credit report but then returned some time later this account never belonged to me. I have file a formal XXXX XXXX report with law enforcement and attached a copy of the report to this complaint
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

Hi, I have a CashApp account from XXXX that has a negative balance of {$150.00}. I explained to CashApp that I am disputing the debt, and have no knowledge of it, but they are refusing to close my account without payment. 

Per their terms of service, I have a right to close my account. They also will not provide any additional information about the transactions. 

I contacted CashApp support on XX/XX/XXXX.
Consumer complaint received 2023-04-19
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2023 I mailed an Identity Thief Report stating I have been a victim of Identity Thief. They reply back as if I was filing a dispute and did not fellow the rules that apply when reporting Identiy Thief. And did basically nothing about it.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America reported my credit card over 30 days late to the credit bureaus. I submitted a dispute with them, as I had never received a statement ( via email or in the mail ), and there were no notifications that the credit card was late or that a payment was due. The payment was 34 days late according to their system and my credit history has been otherwise perfect. 

They initially did request to the credit bureaus that the late payment be removed and my credit card XXXX  scores went back up. But later, they re-reported the late payment which caused an immediate drop in my scores. 

They have made it very difficult to obtain information on the request, why they reversed themselves, why I didn't receive billing notification or statements, etc. They have sent letters to call them- with no specificity on who to contact. In general they have made this a difficult and painful experience. 

Representatives I have spoken to are frequently confused, have partial information or can not reference back to my original request.