davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
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)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-03-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

PennyMac failed to pay my property taxes. 
They were notified the day I found out on or around XX/XX/XXXX. The taxes were due on XX/XX/XXXX. 

I was forced to pay the taxes myself because I could not get them to pay despite repeated phone calls. Including interest. 

They assured me that they would refund the money that they were supposed to pay the state/county. I gave them some time and leeway and they have failed to return the money. 

I currently have an excess amount in escrow - almost $ XXXX and they have failed to return it to me in a timely manner. 

I feel like their actions are a violation of law and I am submitting my complaint for this reason.
Consumer complaint received 2023-12-30
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. (TX)

I currently have a virtual XXXX credit card that was used in the past for a payment of a laptop. The account has been paid in full since XX/XX/XXXX. I have never been late with repaying the card. In fact, my account has never reflected any late payments until XX/XX/XXXX. These late payments currently reflect that they originated in XX/XX/XXXX and XX/XX/XXXX, but took XXXX  months before appearing on my account! When I inquired about these late payments, I was told that a new banking institution took over in XX/XX/XXXX from XXXX and now manages the accounts. I asked this new company to provide me with my transactions to show I was late in XXXX and XXXX XXXX XXXX. They told me they could not provide any information to me because they have no history of the accounts prior to XX/XX/XXXX! In fact, they said that any history before XX/XX/XXXX should no longer be used on my credit report. 

This new banking institution that has taken over my account has blatantly falsified late payments on my account.
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DISCOVER BANK (AR)

" Hi this is a import message for _______ _________ this is not a solicitation call it important for you to please take a moment today and return my call toll free at XXXX. We are available from XXXX XXXX to XXXX pm eastern time Monday - Friday. I do look forward to speaking with you and I appreciate you're time and my name is XXXX, have a great day. '' This is a recording that was left on my office voicemail on XX/XX/2021 @ XXXX XXXX in the morning central time. I was told that creditors could not call you're employer unless they have a lawsuit pending with you. This came from DISCOVER CREDIT CARDS.
Consumer complaint received 2019-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited a check from a company that I’ve worked before for the same amount in my Bank of America account. I did not have the option to not deposit due to a possible and it was received and placed on hold for seven business and that was all the money I had to my name.
Consumer complaint received 2021-03-18
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. (MN)

This account is not mine. They have been billing me and I continue to pay because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I stayed at the resort once but only paid for the time I was there. I did not purchase anything from them. I have disputed this with the credit bureau but had no resolutions. I realized XXXX took my information and fraudulently used it without my permission to process transactions and open an account without my knowledge. This is a scam & I demand this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records and is hurting my financial stability. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to XXXX and TransUnion and to the original creditor and it has been deleted in my XXXX but it still shows under TransUnion. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2021-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (VA)

This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it
Consumer complaint received 2021-03-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TRANSUSION tricks consumers looking for their free credit score into paying for an annual subscription before you can see it by asking for a credit card number to verify your identity. I have asked them to refund and this is their response : INVESTIGATION RESULTS - VERIFIED AND UPDATED : The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity. 
We investigated this item, verified it belongs to you, and updated : Rating. Here is how this item appears on your credit report following our investigation. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Based on flawed analysis they have my credit score as XX/XX/XXXX ''. I've asked them to remove erroneous accounts to no avail.
Consumer complaint received 2022-03-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to Equifax disputing an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by them.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA Customer Service Department XXXX XXXX XXXX XXXX XXXX, TX XXXX I am writing to formally file a complaint against USAA Banking regarding a distressing incident that occurred on Monday, XX/XX/year>, at approximately XXXX XXXX  ( PST ) involving one of your ATMs located on the corner of XXXX XXXX and XXXX XXXX in XXXX XXXX XXXX. 

On the mentioned date and time, I attempted to deposit {$1700.00} in cash into the aforementioned USAA ATM using my debit card. However, the transaction did not proceed as expected. Instead, after a few minutes of processing, the ATM displayed an error message. Subsequently, the machine rebooted, failing to deposit the {$1700.00} into my account, return the cash, or even return my debit card. 

Immediately following this unfortunate incident, I reached out to USAA and recounted the entire situation to four different representatives, including one from your Executive Resolution Team. I was assured that a dispute had been initiated, and an investigation would be launched. However, I was also informed that this process could take up to 10 days to reach a resolution. 

While I understand the necessity of conducting a thorough investigation, I am deeply troubled by the lack of immediate action taken to address the situation. As a loyal USAA customer for the past 13 years, this experience starkly contrasts with the exceptional customer service I have come to expect from your institution. 

Furthermore, the financial loss of {$1700.00} and the inconvenience of losing access to my debit card have caused me significant stress and XXXX. Despite expressing my concerns to your representatives, I was informed that there was nothing that could be done in the interim. 

I am disappointed by the handling of this matter and feel that my money was essentially taken without my consent, through no fault of my own. I had hoped that USAA would demonstrate greater empathy and urgency in resolving such issues. 

While I acknowledge that your policies and procedures are outlined in your banking terms, I urge you to reconsider how such situations are managed in the future. Your customers deserve better treatment, especially in times of distress and financial uncertainty.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: The CMI Group, Inc. (HI)

Ive been getting calls from XXXX. 
They want my address and the last four of my SSN number. They state they are calling from Credit management LLC. They dont want to give out their name. 

I find it quite odd that when I withdrew my retirement annuity from XXXX that The phone calls started. 

I told them to send me a letter and I will check with FTC and XXXX  ... they put me on hold for 10 minutes. I hung up and called the same number back and before I could say hello, they already had my name.
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I applied for a loan modification with my lender Shellpoint. On XX/XX/2020, I spoke with XXXX whom informed me I was approved fora streamline trial modification starting on XX/XX/2020 in the amount of {$930.00}. I was advised the approval letter was going to be mailed to me in a couple of days. I was also told I could call back in an obtain a copy via fax once it was available. There was a pending foreclosure sale date of XX/XX/2020 on my loan but due to the approval I was not concerned as I was accepting the approval. Then on XX/XX/2020 I receive a phone call from Shellpoint telling me my sale is still active and what am I going to do, I was confused as I was just told a few days prior I was approved with the first payment starting XX/XX/2020 so why would they proceed with the sale date? I was advised from XXXX XXXX, on behalf of Shellpoint that he did see my file was pending the final approval but because there is a trustee sale date the approval is more than likely going to be denied. Per Mr. XXXX XXXX he is sorry someone did not provide me with the entire information and they are moving forward with the trustee sale date. I then asked to speak with a supervisor. Per Mr. XXXX XXXX he will transfer me to a supervisor but instead I got transferred back to the automated system. 
I was never assigned a point of contact throughout the process and Shellpoint never reached out to me for options except that one time only to tell me my house was selling the NEXT day. So due to their mistakes, my home has now sold to a 3rd party and I am facing eviction. This is a prime example of wrongful foreclosure.
Consumer complaint received 2020-03-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (VA)

THIS IS NOT A DUPLICATE REQUEST. Hello, this company is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/XXXX. However, they are reporting 2 separate dates, XX/XX/XXXX and XX/XX/XXXX. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. Its damaging my credit.
Consumer complaint received 2020-03-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE (TN)

I cancelled a Western Union wire and did not see disclosure that transfer fees would not be reimbursed until after I completed the cancellation. The disclaimer, if listed on previous pages, was very small and unnoticeable to the point where it may as well have not been disclosed.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MA)

Hello, My wife and I were robbed out of a {$400.00} account opening bonus from Citi bank. I opened the account on XX/XX/2020, and followed all of the required activities to get the opening bonus. The required activities are attached for reference. 

While we were waiting to receive the bonus, after depositing over {$15000.00} in the account, we got notice that one of the accounts was being closed because we chose to put all the money into the savings, not the checking. I called Citi Bank to make sure that this would not impact our ability to get the {$400.00} bonus and the person I spoke with assured us it would not, citing the " Cash Bonus '' section of the attached XXXX document. Which says, " The Cash Bonus will be credited within 90 days from the date you complete all Required Activities. At the time the Cash Bonus is paid, it will be credited to the new Eligible Checking Account. If the Eligible Account is closed, then the Cash Bonus will be credited to the Eligible Savings Account. XXXX accounts must be in good standing. '' Sure enough, when the time came to pay up, they did not. That is when I started calling and spoke with XXXX XXXX XXXX XXXX who said we are correct and will get our bonus, then we didn't. XXXX XXXX XXXX XXXX, who said he couldn't find the promotion. Then XXXX XXXX XXXX XXXX XXXX, who said she would look into it and call me back and never did. 

Finally, I got a series of denied promotion letters saying that the reason we didn't get the promotion was that " We show that Checking Account number XXXX was closed on XX/XX/2020, therefore the account is not eligible to receive {$400.00} in fulfillment of Promotion XXXX ''. 

And that was it! They didn't follow their own rules and deposit the cash bonus in our other savings account. I feel like we were lied to, pushed around, passed around, told we would get it, did everything as we should have, double-checked, and STILL didn't get the bonus. There is no way we would have ever open this account if we didn't get the bonus. We are so upset and mad and don't know what else to do. 

Thank you.
Consumer complaint received 2021-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC (WV)

XXXX XXXX keeps emailing me about a debt I owe to XXXX in the amount of {$260.00}. I have never had any accounts with XXXX. I have emailed them and told them this is not my debt. They continue to email me. Today I called and told them this is not my debt and to quit sending me emails. I also told them, I will be reporting these actions. I believe this is a fraudulent collection company harassing people over debts they do not owe. They had nothing on file for me that is current.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (AZ)

There are a few XXXX Inquires on my account that I would like to dispute. I do not recall ever applying for these credit lines. I believe these are fraudulent transactions please be advise. The subject hard inquires are as follows : XXXX. XXXX XXXX XXXX XXXX - XX/XX/year> XXXX. Corelogic CREDCO XXXX - XX/XX/year> XXXX. Corelogic CREDCO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please instruct me on how to handle this matter.
Consumer complaint received 2020-03-13
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: Experian Information Solutions Inc. (GA)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX Experian XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re :  Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.