davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have a current & in excellent standing credit card with XXXX XXXX XXXX. Every month they report to each of the 3 credit reporting bureaus. However, when XXXX XXXX XXXX reported the three credit reporting bureaus this month, it had shown up on my XXXX  and XXXX  reports only. TransUnion is actually showing that this account never existed at all. Someone at TransUnion deleted the entire account which they had previously shown for the past year and a half. I contacted TransUnion, as well as XXXX XXXX XXXX, both of these companies keep telling me that I need to contact the other company. Again this account is open in good standing and should appear on my TransUnion credit report. However l, no one will remedy this situation. This is currently causing me extreme undue hardship by lowering my credit score especially at a time when I currently needed to get a loan to have XXXX  XXXX this month. It seems to me the simplest fix to this situation would have been that XXXX XXXX XXXX  could have just resent the information back over to TransUnion as TransUnion had asked for. But XXXX XXXX XXXX  say they don't have this information to resend it to TransUnion which I find extremely difficult to believe. I would like to file a formal complaint against TransUnion for unethical business practices. A consumer should not have to do the jobs of these big corporations that hold so much power over our heads. Someone at TransUnion somehow deleted this entire record as it never existed whatsoever. Because of their egregious mistake, I should not have to bear the brunt of their ineptitude. I should not have to bear the stress of having to go out and make all of these documents to prove to XXXX XXXX XXXX  that no it's not appearing on my TransUnion credit report. My job is to be a consumer, XXXX XXXX XXXX, their job is to report properly, and transunions job is to be accountable for the correct information in my credit file. This is a situation that needs to be rectified immediately as it is again destroying my credit score and causing me extreme undue stress and pressure and this is at the complete fault of TransUnion and they should be held accountable for my mental anguish and financial XXXX up for this month because now I will not be able to have XXXX because of them again, I am making a formal complaint and I need this taken care of post haste.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (VA)

I opened a checkin/savings account online depositing {$150.00} with BBT. The bank closed the account. I have called them multiple times & gone to the branch a few times, but have not received my initial deposit of {$150.00}. I have proof that the money was deposited from my external bank account.
Consumer complaint received 2022-04-18
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. (FL)

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ), TransUnion LLC, provide I, XXXX XXXX, consumer, with such documentation where I gave you written instructions and permission to furnish my information? Thank you. Best regards.
Consumer complaint received 2021-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I'm trying to find out if I will have my outstanding student loans waived or I'll receive repayment since I attended XXXX XXXX which has turned out to be a institution that lied about credit transfers and everything else. I have around {$8000.00} still outstanding not including all that I have re-payed.
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I just sent the following message to my mortgage servicing company. I'm XXXX and I believe my lender is gouging me. 

" To : XXXX Subject : Loan # : XXXX Subject : SPS Proposed Loan Modification Dear Ombudsman, I am in receipt of SPS proposed loan modification to cover the forbearance amount of approximately {$30000.00} including property taxes and insurance advances. I'm bit bewildered as, on the phone back in XXXX of 2020 when I agreed to the forbearance, while I was told that when the forbearance came to the end, the forbearance amount ( {$30000.00}, including property taxes and insurance ), would be put on the end of my loan, BUT I was not told that {$150000.00} ( See page 1 of the Modification Agreement, Lat paragraph entitled BALLOON NOTICE }, in other charges would get added on as a second ( 2nd ) balloon payment! That amount of additional money seems outrageous to do to a senior citizen! Had I known that was going to happen I would have risked covid and tried to find a new job, anywhere, so I wouldnt have had to agree to the forbearance! Is this the best plan you can offer me? 

XXXX XXXX Please let me know if this is what Congress had in mind when they created the Covid 19 Relief plans? 

Thank you for your time. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In XXXX of 2019, an account I had with XXXX XXXX was closed. Despite the account being closed, this account continues to report active delinquencies. In fact, the bureaus have reported continual 120 day late payments every month since the account was closed, and continues to do so. I have contacted the credit bureaus to correct this issue multiple times, but they refuse to take any action.
Consumer complaint received 2023-05-27
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. (CA)

I have reported this several times to Transunion that this information is incorrect and unverifiable - I even received a letter from XXXX saying that they couldn't verify this account. 

XXXX XXXX XXXX XXXX {$2200.00} thank you
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

On XX/XX/2021, I received an email from the collector that I owed {$1800.00} for an unpaid lease break fee. On XX/XX/2021, I called them to settle the debt. I explained that I was not the only one on the lease, and asked if I could pay half of the amount. They told me that I could make a one-time payment of {$1000.00}, and the debt would be written off. I agreed and paid over the phone. I asked for a receipt by email after, which I never received. When I checked my bank account, I saw that they had charged me the full {$1800.00}. I called them on XX/XX/2021, and asked for an explanation. They denied ever having told me they would accept the {$1000.00}, so I asked them to go back over their last recorded call when I paid the debt, so they could see that we agreed on {$1000.00}. They told me they would call me back as soon as they could, and I never received a call from them.
Consumer complaint received 2021-06-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX I bought a car with a dealership and the loan was accepted to Capital one Auto finance. I have paid the account current as of today XXXX XXXX. 

On XX/XX/2019 i received a credit alert that a loan was paid off by XXXX XXXX. I looked at the account and it stated that the account was paid in full on one credit reporting agency, and on the other credit reporting agencies it stated that the account was closed and charged off and included in a chapter XXXX or XXXX bankruptcy. Add this case I have been paying on the car ever since and capital one speaking to an agent states that the account is not under bankruptcy in fact is it open active and current today I have letters from capital one for our mortgage or broker Stating that the account is active and current at this time. Since XXXX I have disputed this account 97 times I also hired a credit repair consulting corporation to handle the situation capital one has refused to give me a letter that states it is not under bankruptcy but only will give me a letter stating that it is active and open and is currently being paid on. I have spent three days on the phone my mortgage broker had to be on three-way to find out why they are not allowing it because now my approval will not be going through because of this the capital one has done to my credit. They have destroyed it and ever getting a home loan. 

They refuse to fix it at all
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc. (MS)

I look at my credit report and seen 80 inquiries on my report for XXXX  thats not mind! From XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2021-06-17
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: Experian Information Solutions Inc. (CA)

Experian is continuing to report XXXX XXXX in error on my credit report. I disputed the item with no results. XXXX has already deleted this item because after proper investigation, they proved the error to be inaccurate and invalid.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

I have had several accounts removed, and Experian is still showing old fraudulent accounts, and my credit score went down when I filled a dispute and never went back up. Ive called, as well sent information that has been requested. 
XXXX, XXXX have removed and scores have increased.
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CA)

Company " Commonwealth Financial Systems '' claims I opened an account on XX/XX/XXXX and claiming a balance of {$650.00} is owed to original Creditor XXXX XXXX XXXX XXXX and was reported to them XX/XX/XXXX as a collections account. This is false information and I do not own any account with either company. I would like for this to be removed from my credit report immediately.
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

I have a XXXX XXXX XXXX through CitiBank. 
I had a balance due on XX/XX/2021 of {$16.00}. 
On XX/XX/2021 I returned items in the sum of {$9.00}, leaving me a balance due of {$6.00}. 
On XX/XX/2021 I made an online payment of {$6.00}. 
This made my balance due on XX/XX/2021 ... .XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/2021, I had made an additional purchase of {$21.00} & {$400.00}. 
Yesterday, XX/XX/2021, I receive a bill for these items in the sum of {$420.00} plus a late charge of {$16.00} ( coincidence, that it is the same as the balance due on XX/XX/2021 ) -- Total now due would be {$430.00} on XX/XX/2021. 
The initial customer service rep XXXX XXXX XXXX, said that I was charged that amount because I had a balance of {$9.00} that I did not pay the preceding month. I told her that there was no reason to pay that amount because I had returned the items on XX/XX/XXXX. She disagreed with me for about 35 minutes. ( She reached out to a superior, but kept coming back with the same line of reasoning. ) I insisted that I talk to a superior.

I then, after being on hold for 7 minutes spoke to XXXX who after some kind, firm discussion on my part remove the {$16.00} late charge. 
I also found it disconcerting that XXXX  then pressed me to make a payment for the balance due. When I stated that I did not have my checkbook with me, but I would pay at my first convenience, she then pushed for me to provide a debit card ... I refused. But I did promise to pay prior to the due date.
Consumer complaint received 2021-06-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

The last complaint I submitted, I explained that I sent 2 letters regarding my with XX/XX/XXXX being the last date I sent letters to the bureaus accounts that are FALSELY reported and does NOT belong to me. I've called several times, sent in letters, and keep being told they haven't received any letters. Its been WELL over 60 days, how do I know the bureaus won't say this again to keep stringing this out longer and hindering me from being able to obtain the credit that I AM and SHOULD be eligible for? Again this is beyond frustrating when you can't get any answers or any progress updates besides being held off another 60 days. The credit bureaus are in violation of my rights per FCRA. This is false reporting and negligent of the credit bureaus. I won't continue to be overlooked and undermined about a serious matter. The bureaus will be hearing from my legal team to pursuit remedy and litigation! This matter should have been taken care of by now! Its been over 60 days and failure to investigate the items within 30-60 days, gives a reason to immediately remove incorrect items from my report! I will be taking action
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

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 an account without my instructions. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2021-06-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

The last complaint I submitted, I explained that I sent 2 letters regarding my with XX/XX/XXXX being the last date I sent letters to the bureaus accounts that are FALSELY reported and does NOT belong to me. I've called several times, sent in letters, and keep being told they haven't received any letters. Its been WELL over 60 days, how do I know the bureaus won't say this again to keep stringing this out longer and hindering me from being able to obtain the credit that I AM and SHOULD be eligible for? Again this is beyond frustrating when you can't get any answers or any progress updates besides being held off another 60 days. The credit bureaus are in violation of my rights per FCRA. This is false reporting and negligent of the credit bureaus. I won't continue to be overlooked and undermined about a serious matter. The bureaus will be hearing from my legal team to pursuit remedy and litigation! This matter should have been taken care of by now! Its been over 60 days and failure to investigate the items within 30-60 days, gives a reason to immediately remove incorrect items from my report! I will be taking action
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AR)

I submitted a prior complaint with NATIONAL CREDIT ADJUST inaccurately on my report. I request proof of a signed agreement or any other documentation to validate the information being reported was indeed mine. Attached is a copy of a said signature which is clearly not mine.. that appears to say XXXX or something of that sort. Along with consumer name being XXXX XXXX which is as well not me. This will be my finally warning that if it can not be validated properly, in addition the information XXXX  is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint. If I need to contact an attorney for further legal actions I will do so if not removed from my report
Consumer complaint received 2021-06-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The last complaint I submitted, I explained that I sent 2 letters regarding my with XX/XX/XXXX being the last date I sent letters to the bureaus accounts that are FALSELY reported and does NOT belong to me. I've called several times, sent in letters, and keep being told they haven't received any letters. Its been WELL over 60 days, how do I know the bureaus won't say this again to keep stringing this out longer and hindering me from being able to obtain the credit that I AM and SHOULD be eligible for? Again this is beyond frustrating when you can't get any answers or any progress updates besides being held off another 60 days. The credit bureaus are in violation of my rights per FCRA. This is false reporting and negligent of the credit bureaus. I won't continue to be overlooked and undermined about a serious matter. The bureaus will be hearing from my legal team to pursuit remedy and litigation! This matter should have been taken care of by now! Its been over 60 days and failure to investigate the items within 30-60 days, gives a reason to immediately remove incorrect items from my report! I will be taking action
Consumer complaint received 2021-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TN)

on XX/XX/XXXX I made an online payment of XXXX to NewRez/Shellpoint for my XXXX Mortgage payment. On XX/XX/XXXX, I received a letter from NewRez indicating that the payment was returned by my financial institution. The evening of XX/XX/XXXX, I contacted NewRez via telephone and advised them that the payment was not returned and that the monies were debited from my account on XX/XX/XXXX. Both customer reps that I spoke with stated ( 1 ) that the payment was returned 'Account Closed ' and ( 2 ) I needed to email the loan servicing department to resolve the issue. After hanging up from the call with customer service on XX/XX/XXXX, I emailed the loan servicing department advising them that the payment was not returned, as the account is still open and active. Attached to the email was the bank printout showing the funds were debited by NewRez on XX/XX/XXXX. 

As a follow up to my email and conversation with the customer service reps on XX/XX/XXXX, the morning of XX/XX/XXXX, I contacted XXXX XXXX 's ACH department to verify that the funds were not returned at which time I was advised that on XX/XX/XXXX they had system issues and erroneously notified banks that accounts were closed and/or had insufficient funds, however the funds were debited from the account and not returned. The banks branch manager then assured me that the NewRez had already been contacted regarding their system issue on XX/XX/XXXX. 

As a follow up to my conversation with the XXXX XXXX where the mortgage payment was successfully debited from my account, on XX/XX/XXXX, I emailed NewRez again notifying them of the bank error. Additionally, NewRez was provided the bank managers contact information and notified that per the bank manager that as a mortgage originator, NewRez had already been contacted regarding the error. 

On XX/XX/XXXX NewRez was once again contacted regarding the bank error at which time I was notified that they were aware of the issue and that it was resolved. Additionally, I was told that my XXXX payment had not been received. After I kept questioning the rep and provided a specific date ( XX/XX/XXXX ) that the payment was debited from my account and posted online to their system, she admitted that the payment was in fact received. 

Thinking that the issue was resolved related to XXXX payment, where once again the monies debited from my account and not returned ... .. I went online XX/XX/XXXX to make XXXX XXXX payment at which time the system indicated that the account is in forbearance and that payments are not acceptable. I did not request a forbearance and have been making all payments. 

Please help. Not sure why NewRez is not posting/processing my payments.
Consumer complaint received 2024-03-22
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. (TX)

TRANSUNION think that they are above the law. According to your law when a consumer reporting agency is notified of an identity theft you are to block, delete or remove the identified transactions and notify the creditors. I provided all the required documentation. Instead you did an investigation and verified the transactions that are a result of identity theft which resulted in the identified transaction still being reported on my consumer report. It is well past the mandatory XXXX business days for this action to be taken. See attachments..
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (OH)

Chase offers an online external transfer service, which I set up to transfer to/from another bank and I validated the " trial deposits. '' When it was confirmed I could make a transfer, I initiated a transfer, which was held for suspected fraud. 
I called and, per attached, Chase says they can not verify my identity because I do not know the DOB of my divorced brother 's first wife 's mother. 
I immediately travel to the branch and show four forms of ID ... doing exactly what Chase asked. But rather than clear the transaction, they then " reject '' it. 
They then tell me that in order to do an online transfer, I must set up a three-way call with Chase, myself, and the other bank. Totally ridiculous ... there is no mechanism to do that. 
So I'm then left with no other choice but to wire the money ... thus paying a {$35.00} fee to Chase.

Chase has designed an anti-consumer process by which customers are denied access to the free, online ACH transfer service leaving them to pay {$35.00} to transfer money, thus increasing Chase 's share price.