davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In me and my husbands attempt to secure a mortgage authorization letter, I worked with a lender beginning on XX/XX/2020. On 5 occasions, 1 original applications and the 4 follow-up applications, the lender received notification from the credit bureaus ( XXXX, XXXX  and TransUnion ) with the messages that our credit are frozen and not available as show at the bottom of this communication. Two notifications came across our cell phones on the 5 times which we responded to the request to allow access to our lender. I've tried numerous times over the last 5 weeks to resolve this with the credit bureaus which is impossible as no agents are available through the VRUs to assist - especially with XXXX. 
We have probably 12 different numbers that we have tried with the 3 bureaus Working on- PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Problem with fraud alerts or security freezes HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes XX/XX/2020 Complaint Print https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print? XXXX XXXX We have probably 12 different numbers that we have tried with the 3 bureaus. Working on line with our 3 credit bureau accounts for my husband and myself, we see that there is no credit freeze on all accounts, and no fraud-alerts on 2 bureaus ( Transunion and XXXX   ). 
XXXX doesn't allow fraud alert removals on-line. It was our thought process over all these weeks to remove all freeze and fraud alerts so facilitate the lenders ability to get to our credit data. We intend to put the freezes and fraud alerts back on the our 3 credit bureaus account when our lender successfully pulls the credit report data. This has left us exposed to fraud which is usually available through the credit bureaus in the meantime. We can't get anyone to help us with the 3 bureaus to even understand what the problems is. I sent registered letters to the 3 credit bureaus on XX/XX/2020 to ask them to remove all freezes. We are at a loss of how to get our credit information made available to our lender which is hampering our ability put an offer on a home. Sincerely, Consumer Referral Information XXXX  XXXX XXXX XXXX | XXXX XXXX XXXX   XXXX XXXX, GA XXXX | XXXX | XXXX TRANSUNION | XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX | XXXX | HTTP :  //WWW.TRANSUNION.COM XXXX  XXXX | XXXX XXXX XXXX XXXX, TX XXXX | XXXX | XXXX Error : FROZEN BY CONSUMER AS ALLOWED BY STATE LAW. TO SSN DOB TRU Applicant Co-ApplicantINFILE REPORT : Page 2 of 3 OBTAIN ACCESS YOU MUST OBTAIN AUTHORIZATION FROM THE CONSUMER AND PROVIDE THE REQUIRED IDENTIFIER WITH YOUR Co-Applicant Error : CONSUMER REQUESTED SECURITY FREEZE ON CREDIT FILE - REPORT UNAVAILABLE
Consumer complaint received 2022-11-23
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. (NY)

I have disputed the account listed as XXXX XXXX multiple times with Transunion and they refuse to delete the account. Both XXXX and XXXX have both deleted the account due to inaccurate reporting of information but somehow Transunion continues to report it as Verified as accurate. On XXXX they issued a response updating and reaging the account when I asked for it to be deleted. They updated date updated, original creditor, and payment received. The FCRA states that an account must be deleted for inaccurate reporting, yet they continue to report it as accurate. I sent a third dispute letter on XXXX requesting them to validate the debt and send me the documentation that proves exactly how they verified the account and all they sent me was a generic letter stating they called the creditor, this is unacceptable. Also, they did not update my credit report to show that I'm actively disputing the account. This inaccurately reported account must be removed immediately.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (PA)

After recently applying for a mortgage to purchase my first home, I discovered some unauthorized inquiries made by CBNA on XX/XX/22 & XX/XX/22. Prior to disputing the inquiries I performed my own due diligence on the accounts. I do have an open account with this particular creditor, through a co-branded card with Best Buy. I have verified that these erroneous inquiries are not associated with my account.
Consumer complaint received 2023-05-10
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. (IN)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Report on Transunion and XXXX credit reports showed a new account opened with XXXX XXXX XXXX  XXXX which. I did not open. They resolved this issue at the bank then said for me to contact you to place a freeze on my SS number to prevent unauthorized use.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

Account name : ComenityCB/ULTA Account XXXX : XXXX My account information was stolen and used to make online purchases. I reached out to comenity bank to inform hem of what happened and they assured me they would take care of it. I provided the store name and number which the fraudulent activity occurred and even presented the police report information. This account was paid in full and is now showing a balance of {$90.00} along with an XXXX status. A new card was to be issued and this one was to be closed and balance returned to XXXX. I gave proof and contact information to back up my claims. They are inaccurately reporting this account as XXXX and with a balance A new card has been issued which reflects a XXXX balance.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (TX)

on XXXX recieved an Annual Escrow Amount Statement. 

The statement indicated required escrow balance of {$2000.00}. This amount was calculated based on taxes of {$5300.00}. In XXXX of XXXX the mortage company had paid the annual taxes of {$4000.00}. The {$5300.00} was the tax amount from XXXX. 

On XXXX I called and the call center person agreed that the escrow was incorrect and he said he sent a request to recalculate and " they '' would take care of it in 2-3 days. 

On XXXX I called and was told it was being developed that very day and would be complete by the end of the day. 

On XXXX I called and was told " they '' had been closed the ticket. No change had been put in place. I asked to be transferred to " they '' and was advised that there is no Escrow Department and the person could not define who " they '' were and the person could not transfer me to " they ''. After 5 minutes or so on hold the peson advised that both her and her supervisor had input the correction and " they '' would have it done somethimg next weeek. I again asked to be transferred to " they '' and was denied. I then asked to speak to the supervisor and was denied. 

My mortage payment still show and increase from my XXXX payment, the escrow balance is still incorrect and I have no other recourse than to file this compliant. 

The Mortgage company has approximately {$500.00} extra money in my excrow account and has billed me for a XX/XX/XXXX payment which is about {$130.00} more than it should be. I notified the Mortgage company that I will not send a payment for an amount that is in error which the Mortgage company confirms is incorrect.
Consumer complaint received 2022-11-23
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: EMCC Holdings, LLC (CA)

According to laws of 15 USC 1681 A and 15 USC 1681 Section 602 A and its exclusions this company illegally placed late payments on my credit report adversely affecting my creditworthiness and to obtain new credit.

15 U.S. Code 1681a - ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized undersection 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; ( ii ) communication of that information amongpersonsrelated by common ownership or affiliated by corporate control; or ( iii ) communication of other information amongpersonsrelated by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to theconsumerthat the information may be communicated among suchpersonsand theconsumeris given the opportunity, before the time that the information is initially communicated.

The law 15 USC 1681 Section 602 A states my rights to privacy.
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I transferred money into my US Paypal account on XXXX of XX/XX/2023 in the amount of {$9700.00}, where it was immediately put on hold by Paypal. They mentioned that this is a " Tax ID Hold '', and if I did not provide any form of US Tax ID, they would take 24 % of the amount and send it to the IRS as withholding tax. I was immediately unable to use any of the funds. 

Given that I opened this account while I was a student in the XXXX, I'm not a US tax payer, nor do I have an ITIN or SSN that could fulfill this Tax ID requirement from Paypal. I'm from XXXX and I pay tax in XXXX. 

Having shared this information with them, including a filled IRS XXXX indicating that I am not a US tax payer and as such, the funds should not be taxed or held, Paypal proceeded to limit my account and prevented me from withdrawing any of my funds. Further communications with Paypal representatives were not helpful as no one could acknowledged the specific tax issue I had, and instead shared generics about why the account was limited, and there were no guarantees given by Paypal that they wouldn't send 24 % of the funds as withholding tax. 

In addition, now that they have limited my account, they are withholding my funds for 180 days without any justification. 

The Paypal case reference is XXXX.
Consumer complaint received 2023-05-10
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 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 2023-02-17
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. (OK)

I have tried to get the verification process from the consumer credit reporting agency with no avail. This company has refused to give me the process. Since they won't release this information to me i assumed that the company listed on my consumer report is the furnisher. I sent the US Bankruptcy court a letter via us mail asking them if they gave my personal information to any consumer credit reporting agency. They sent a correspondence, and, in that letter, they said they did not give my personal information. I will attach the letter as evidence. For this reason, I demand that account is permanently deleted. I am also requesting that I receive {$1000.00} from XXXX under the 15 usc 1681n willful non-compliance.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

After Reviewing My Equifax credit report I found their was a bankruptcy showing on my report. I first contacted the reporting agency as seen on my credit report, NJ bankruptcy court via mail. They wrote me back indicating that they have no correspondence nor do they report to any of the XXXX credit bureaus. I then contacted Equifax and requested that they validate this negative account and provided me with copies that clearly state that NJ bankruptcy court is n't reporting to their agency. I received a letter back from Equifax stating that they have validated the debt. They have not provided any such documents bearing my signature, or any documents supporting their claim to be valid. I sent Equifax certified letters on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX asking again that they validate the alleged debt and if they cant please delete the account from my report. I noted in my letter that proof of validation is a document bearing my signature, or any court documents stating that they our reporting a Bankruptcy to their agency. As of XXXX/XXXX/XXXX Equifax is still reporting bankruptcy on my credit report.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was notified on XX/XX/year> that my account was getting closed and to call them immediately. I called them and they said that they decided to close my account and that it would take XXXX days for me to receive a check in the mail with my funds. I asked multiple times why they were closing my account as nothing had changed and they couldn't tell me. I have a family to provide for and this is my only account. I am about to get evicted and all of my paychecks deposit into that account
Consumer complaint received 2024-04-15
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: Lockhart, Morris & Montgomery Inc. (GA)

On XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owned by XXXX XXXX the original company that transfered this account in the amount of {$1700.00} to the collection agency Lockhart Morris and Montgomery. Once this appear on my credit report I first contacted the original creditor XXXX XXXX which was my former employer and spoke with XXXX in accounting to inquire about this matter. She informed me that as an owner operator/ lease purchaser I was liable for the damages done to the vehicle. However I was not a owner operator/ lease purchaser. I was a XXXX XXXX XXXX XXXX XXXX XXXX She ( XXXX ) reviewed the information and advised that she would call me back to follow up. My last 2 paychecks was retained by the company thus my reason for terminating my employment with the company.  I explained this information to a representative for the collection agency Lockhart Morris and Montgomery with no assistance received. I have a copy of my XXXX showing this incident. I've made several attempts to dispute this matter with XXXX with no success
Consumer complaint received 2023-02-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Unifin Inc. (PA)

On XXXX XXXX XXXX an email from UNIFIN, phone number XXXX XXXX XXXX, to someone I know to collect a debt. The email gave my name and what the debt was from and the amount. Email had all my account information in it and also asking me how to pay debt. Email was never sent to my email address on file just my relative.
Consumer complaint received 2017-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

On   XXXX   XXXX   XXXX     at approximately  XXXX  I called Navient customer service to inquire why my account was showing a past due balance and all payments have been made. I 'm on an income-based repayment program and based on a letter I received dated   XXXX     my current plan is effective through   XXXX     and my renewal of plan was approved. Customer Service Representative  XXXX  (  XXXX  ) reviewed account and provided misinformation, stating my plan expired in  XXXX . I read contents of letter and continued to receive misinformation, then requesting to speak to a supervisor. I was on hold for excess  of 40 m inutes, intermittently told that no supervisor was available and that same customer service rep continued to talk and place me on hold. After insisting I was finally transferred to a Supervisor  XXXX   (   XXXX   ) wh o informed that my plan expired and I had a higher payment for  XXXX , despite the letter I received indicated my plan was effective through  X/XX/2017   . The call continued with no resolve.
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I made a wire transfer ( over {$3000.00} ) through Bank of America on the XXXX of XXXX and the recipient is yet to receive the funds. I have contacted the bank several times and I keep getting the same response- the intermediate bank they used is not responding or yet to respond to their emails, and as such have to keep waiting until the intermediate bank responds to them. This is what I get if I either ask to trace the money. even if i requested a recall of funds, it's still the same process of reaching out to this so-called intermediate bank.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

I had an accident with pnc bank money was continuously missing it was said peoples accounts were being hacked even though I had my debt card they told me the transaction was go old I didnt report it in time well I didnt know what was going on transactions I didnt do
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

In regards to an account held by XXXX. This account has been removed From my Equifax, XXXX and XXXX credit File in the latter part of XX/XX/XXXX. XXXX continues to reage this account which is illegal. I have no contract with this company and have never received any thing in writing from this company. Also, checked my credit reports today and again XXXX has removed and then again reinserted this account on XX/XX/XXXX ( reaging again )
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc (IL)

On XX/XX/XXXX my credit card XXXX  account was closed with a balance of {$1300.00} and I have been requesting to receive my funds back since XX/XX/XXXX and iam still not getting the customer service support to resolve my issue and they broke the customer policy which was you get whatever funds in your account back to you if you account is close within XXXXdays but I have been waiting for almost XXXX months now
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am a legal resident of Delaware and after doing some investigation on the company attempting to collect a debt. I discovered that XXXX XXXX XXXX. is not legally Licensed to collect debts in the state of Delaware.
Consumer complaint received 2022-09-30
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. (TX)

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX XX/XX/2020 Collection XXXX # XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX # XXXX XXXXXXXX XXXX  # XXXX XXXX  XXXX # XXXXXXXX XXXX # XXXX Late Payment XXXX XXXX # XXXX No Category XXXX  # XXXX