davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Received notice on XX/XX/2020 that credit card account would be closed due to inactivity. Called bank to try to keep account open. Request was denied. Have long-standing and active relationship with bank across other products. This abrupt and unnecessary shutdown will negatively impact my credit score by reducing available credit ( therefore increasing credit utilization ), decrease average account age, and decrease active good standing accounts on credit report. Additionally, this deviates from industry standard practice which is to give a customer 30 days to make a charge on an account to keep it open.
Consumer complaint received 2020-04-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Freedom Mortgage Company (AZ)

I am writing this complaint because I have been very stressed because of this issue. 
Freedom Mortgage has been reporting false and erroneous information to the credit bureaus. 

They have committed multiple violations to the California Credit Reporting Act : - Incomplete information. 
- Different reporting across bureaus. 
- Failing to investigate accounts. 

So many other violations. Please send the attached documents to Freedom Mortgage. 

Thank you so much, CFPB.
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NY)

NewRez LLC wilfully breached its contract with us and violated federal and NY state law when it wilfully and intentionally failed to fund the loan herein. There is no condition in either the commitment letter or the conditional approval notice or law or regulation which allows them to fail to fund the loan herein.The three day right of recission under federal law is there for the borrower only. 

Once the closing occurred on XX/XX/2020, the funds for the loan were required to have been segregated so that the same would be immediately available on XX/XX/2020. Instead, late on XX/XX/2020 New Rez e-mailed the mortgage broker and told them they were not funding the loan. If the loan herein were for the purchase of the property it would have funded on the closing date. I attach the closing disclosure and commitment and approval notice. 

We called them e mailed them wrote them and had an attorney write them all to no avail. 

We want them to immediately fund the loan and pay of any all costs incurred by my clients as a result of their actions herein. 

They closed the loan and failed to fund and costs me a ton of money and ability to refinance
Consumer complaint received 2022-03-01
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. (NY)

This is so despairing. What is happening with you ( CFPB ) and the bureau ( TRANSUNION )? FYI, I have submitted this complaint 4 times already & you still claiming it's being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm sick and tired of this! The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX CARD XXXX
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NJ)

I paid XXXX XXXX six ( 6 ) payments on my XXXX XXXX credit card account. I called their telephone number on XX/XX/XXXX to get the balance. I was given a person with whom to speak but she said, " The system is down. I have limited access. '' I have no idea about what she is talking. 

I should be able upon calling to know precisely how much they received that I had paid! 

Nor would she send me a statement as I had requested. 

So I do not know how much I have remaining on my credit card account! 

But I should have been told by her precisely how much is remaining! 

XXXX XXXX is inefficient and slow in handling my payments and unable to tell me my current balance! 

XXXX XXXX handles the XXXX Rewards card and is big enough to provide the information that I repeatedly requested to no avail today!
Consumer complaint received 2023-01-06
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. (GA)

Hello, Please update this account as paid in full as its been paid off for months now and you have not updated. 


XXXX XXXX XXXX Account number XXXX Account type Balance {$41000.00} Balance updated XX/XX/2022
Consumer complaint received 2022-03-01
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 a loan with the accounts below. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  with no successful resolution. Experian only reporting me 30 days late in XX/XX/2013. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Multiple missed payments were reported for my XXXX account across all XXXX of my student loans while I was in forbearance. Ive asked XXXX to provide proof of the forbearance terms and they were unable to furnish that communication. They stated that the forbearance was verbal via phone and the representative I was working with likely entered something into their system incorrectly. I also received no communication before or during the months of XXXX, XXXX and XXXX when these accounts were reported as delinquent.
Consumer complaint received 2022-03-01
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. (NY)

I am taken aback of the situation. I've submitted this complaint 4 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-03-01
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)

The TRANSUNION credit reporting agency is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting this violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The accounts listed below are inaccurate. TRANSUNION has not taken the correct steps to evaluate the information. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX XXXXXXXX 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
Consumer complaint received 2020-06-12
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. (TX)

On XX/XX/XXXX I reviewed my account with XXXX and according to my payment history I was not late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as XXXX is reporting on all 3 major credit bureaus.
Consumer complaint received 2023-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: GOLDEN 1 CREDIT UNION, THE (CA)

XXXX XXXX XXXX, the decedent, has a mortgage loan with XXXX XXXX XXXX XXXX. The house is titled in the name of her trust. I am the acting trustee and also the person named on the will as the executor. I have been paying the monthly mortgage out of my business account and billing the client trust account for repayment. Meanwhile, the checks are being cashed, but not being applied to the loan. The bank is continuing to send delinquent notices and refuses to tell me what they are doing with the checks that are being cashed. 

They are refusing to give me any answers until they have all of the IDs of the successors in interest of the property, ie the beneficiaries. I am the representative of those successors in interest as the trustee of the trust. The credit union is refusing to work with me and provide me with information on the loan.
Consumer complaint received 2020-08-04
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. (OH)

This Bankruptcy was not verified by the courts and needs to be removed. I have attached the from the courts supporting such facts. They do not have Social Security Number attached this account for me. This not my account, by the FAIR Credit Act ( section 623, 611 ) this information must verified by the original account holder ; in addition, to being accurate is not. I will hold XXXX, XXXX, and TransUnion responsible for displaying this information on my credit report. 

I have attached the letter from the courts, and I have requested this information to be removed months ago. Therefore, it has been over the 35 days. This is information can not be verified by a third part either as a so called government agencies. 

Please remove ASAP. Or face a Lawsuit
Consumer complaint received 2023-05-26
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. (CA)

I NEED HELP GETTING THIS ISSUE RESOLVED I'VE BEEN TRYING FOR ALONG TIME AND NOT GETTING ANY SATISFACTION.
Consumer complaint received 2022-03-01
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. (TX)

Irecentlyreviewedmycreditprofileandnoticedinaccuraciesandfalse accusations by XXXX. Iam formally requesting that thesebeinvestigatedproperlywith immediacy. 

Account one has a balance of {$28000.00} and account two has a Balance of {$36000.00} XXXX continues to report 2 Delinquent accounts inaccurately on my credit report.

-Showing Different account numbers -This creditor does not own this account -Each Bureau shows a Different date of last activity -This account has been re-aged -They are reporting payment after this account was closed -They are reporting this account as transferred -Different dates listed under date of last payment -I disputed this account but nothing was sent to me legally to verify ( There is no indication that I disputed this account on my credit profile )
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NC)

the following accounts are on my credit report as charged off. they were included in a XXXX  XXXX bankruptcy. I sent letter ( XX/XX/21 ) to them. But most updated my credit report incorrectly. changed the balance only to zero but still left it as charged off. TD bank USA/Target sent a letter saying they were going to update the credit report but have sold it. they are as follows. 
td bank usa/ target, XXXX XXXX XXXX XXXX mn XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  oh XXXX XXXX XXXX XXXX, same as above XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  oh XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Multiple missed payments were reported for my XXXX account across all 16 of my student loans while I was in forbearance. Ive asked XXXX to provide proof of the forbearance terms and they were unable to furnish that communication. They stated that the forbearance was verbal via phone and the representative I was working with likely entered something into their system incorrectly. I also received no communication before or during the months of XXXX, XXXX and XXXX when these accounts were reported as delinquent.
Consumer complaint received 2022-03-01
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND SOME ITEMS IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE NEGATIVE ACCOUNT AND INQUIRIES GOT ON MY CREDIT FILE. I STRONGLY BELIEVE THAT SOMEHOW SOMEONE GAINED ACCESS OF MY PERSONAL INFORMATION AND WAS ABLE TO OBTAIN THE ACCOUNT AND INQUIRIES. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE IN A TIMELY MANNER.
Consumer complaint received 2020-06-12
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. (FL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND SOME ITEMS IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE NEGATIVE ACCOUNT AND INQUIRIES GOT ON MY CREDIT FILE. I STRONGLY BELIEVE THAT SOMEHOW SOMEONE GAINED ACCESS OF MY PERSONAL INFORMATION AND WAS ABLE TO OBTAIN THE ACCOUNT AND INQUIRIES. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE IN A TIMELY MANNER.
Consumer complaint received 2022-03-01
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. (CA)

I am taken aback of the situation. I've submitted this complaint 4 times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of XXXX XXXX XXXX XXXX It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again ... Thanks XXXX XXXX
Consumer complaint received 2022-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/2022, XXXX XXXXXXXX XXXX submitted an inquiry for my credit history without my consent. The enclosed are letters from XXXX verifying PER MY REQUEST applications in XXXX for a XXXX credit card were no longer being reviewed. The reason I requested to stop any further review was due to mishandling of the applications. On XX/XX/2022 I filed a complaint against XXXX regarding the mishandled applications. I am shocked and appalled that XXXX has again mishandled applications in XXXX for a credit card with a XX/XX/2022 inquiry that was at no time authorized.