davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-20
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. (NY)

In accordance with the fair credit Reporting act XXXX  accounts : ( XXXX XXXX ), ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ( XXXX XXXX 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 602 A : states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-20
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. (NJ)

I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I applied for a new bank account with my jobs credit union XXXX and was denied due to me being in chexsytems. I read the report from chexsystems and it states that I had a closed, overdrawn account from XXXX XXXX XXXX and it was listed as XX/XX/XXXX. XXXX. I was in the military from XXXX until XXXX and have only had XXXXXXXX XXXX  and XXXX XXXX I have never had an account with. XXXX XXXX XXXX since XXXX. XXXX XXXX  XXXX XXXX account was never over drawn and simply closed due to me not liking their service.
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Altisource Portfolio Solutions, S.à r.l. (NY)

the company name XXXX XXXX XXXX calling themselves the debt collector for my XXXX accounts calls me 3 times a day in my cell number, my girlfriends number and my work place number. I requested them not to call as i am having financial hardship and national debt relief is working on my behalf to help me debt free. but the person named XXXX won't listen. I told him i can not pay {$8700.00} and something they are asking all at once. he is just forcing me that its a one time deal and you dont get to pay this again. i told him the calls are disturbing me, its harassing me and making me depressed but he wont listen. the company and person named sudhirs calls me 3 times a day in 3 phone numbers which is 9 times everyday for straight 7 days. I would like to request them to stop harassment as i am already facing hardship and can barely manage to pay monthly to my debt relief program i am enrolled in. If the harassment wont stop, i will like to file a lawsuit against the company for XXXX, XXXX  and threat.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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. (MD)

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 2021-11-16
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. (PA)

To whom it may concern, I XXXX am writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Experian today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

XX/XX/2021 this was the 2nd time my Discover card come up missing due to break-in also I could not log-into the account. 
I call Discover and told them about the problem, -new password was set up Account Center Last XXXX # : XXXX Discover logo XXXX XXXX XXXX XXXX your temporary password for Discover.com has arrived Your temporary password is : XXXX phone number and address was verified also the charges on the account was verified as well. After all charges were verified and dates, the worker from Discover stated that she would be sending out a new card. 
I never received the card therefore, I called into the company XXXX requesting when was the new card sent out. I was told that it was stated on the phone call that the account was open fraudulently, it was stated these are the words I used and due to these word the account was close. XXXX stated that due to the facts an investigation has been set up on the account. It will take up to 90 days to respond, therefore, I am requesting a full investigation about this matter.
Consumer complaint received 2022-05-20
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. (MI)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING INACCURATE INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-02-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Filed Previous complaint with CFPB. They stated for me to make the payment that would catch up the payment then to call back after payment was made to make an arrangement on the remaining amount so it would not affect my credit. I called back and the collection department says i have to pay all by the XXXX or they will report me late to the bureaus. They are not keeping what they agreed to. This is covid and I cant afford to make the rest of the balance due byXX/XX/XXXX. Had I could of forseen covid happening I would have never took the extensions in the past. I am doing my best and willing to pay the additional off in the next 45 days but if A late shows up this could even cause issue with my job and cause me to lose it. I am asking for them to work with me on the lates fees and whatever else is left,
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Experian for knowingly and willingly committing violatons of my consumer rights. This information is inaccurate and very misleading and caused my credit score to drop significantly. Pursuant to U.S. Code 1681e ( b ) they should be reporting 100 % accurate information.
Consumer complaint received 2022-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

XXXXapplied for loan modification after coming out of temporary hardship forbearance, was approved for modification but had to make 3 initial payments for XXXX which at the time I couldnt afford because my daughters that were helping financially could not. XXXX then recommended I could qualify for the Covid relief deferment program. I was told the process would take 10 days but took 2 months and I was denied. It was then that my daughter was told my payments were never pushed to the back of my loan and I was delinquent over XXXX, so they recommended I apply for a modification but they put my income as XXXX which was their mistake. Again it wasnt until I had my daughter call when they said I was denied because I had XXXX income which was an error in their part. They said another loan modification with correct info will be put in and someone will contact me. I received a letter stating I was in the risk of foreclosure and XXXX needed to be paid by XX/XX/23 to avoid it. My daughters called again and was told that an appointment with a relationship manager which we have done numerous time to get this resolved and we just keep getting passed around. We ask to speak to a supervisor because this is time sensitive, I dont want to loose my house and want to get this resolved but no one at XXXX wants to help resolve this and discuss my options.
Consumer complaint received 2021-11-16
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

This response that address the compliant file against the bank about overdraft consumer protection service that the bank offer to customer who sign up for the overdraft. we understand the fact that in your response but we sample not talk about the last XXXX month XXXX and XXXX of XXXX. we are talk about the last XXXX year that TD bank had pay all transaction on this account., those fact are not correct and not true and that what compliant about you know it and the bank. here are the fact TD bank paid the XXXX overdraft account if it was a dollar or a thousand of dollar. TD bank pay it. your response just talk about about XXXX month i, am talk about XXXX year that TD bank paid all item that came in and they was processed went there was not enough fund available. put the statement for the last XXXX year you will find the true in the last XXXX TD bank have rejecter all of my transaction.. the records will show you the true fact. it our believe that TD bank change there position on the overdraft protection for custom that have more transaction than three a day. i clear understand your response, but fact always win a case Litigation. the issue here is why? did TD bank state that some thing was pay went they was not as they said completed, they do not said they are incomplete.
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

I previously requested an address to send a notice of small claim suit to Wells Fargo via a prior CFPB complaint, Wells Fargo rep by the name of XXXX XXXX replied stating to refer to my local small claims court which does not have the address to mail such a notice, it appears he is refusing to provide it. Further, information was reported to IRS by Wells Fargo showing an amount of {$5100.00}, a 1099 notice was received from Wells Fargo reporting this amount to IRS as paid to me. This amount appears to be from a settlement check which was not received and this was stated in prior CFPB complaints, not addressed. I requested Wells Fargo correct this information with IRS, however, it appears they will not as I was directed to IRS.. IRS rep stated Wells Fargo needs to correct this information.. XXXX refers to a letter dated XX/XX/XXXX which also does not address loss of check ... .The amount of which, {$5100.00}, represents a settlement amount of {$3700.00} including IRS taxes. However, the check was not received, appears intercepted by another party, my signature forged. Since Wells Fargo does not appear to be interested in resolving matter, I requested an address to send a notice of small claim suit. The matter includes the issue of lost/intercepted check, offer amount low-balled, continued sustained damages due to information reported to XXXX   XXXX  XXXX which was not removed prior. I spoke with a XXXX XXXX with mediation on XXXX, he was explained no payment received and the offer amount appears to have been low-balled, signature forged on check, continue to sustain damages due to information reported to XXXX, ( XXXX XXXX XXXX ). He denied all three facts and did not seem to be willing to re-negotiate.
Consumer complaint received 2022-10-13
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. (MD)

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 2022-04-11
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. (NC)

In accordance to the Fair Credit Reporting act XXXX XXXX XXXX XXXX acct # XXXX 30 day late payment, XXXX acct # XXXXXXXX XXXX Acct # XXXX, XXXX acct # XXXX XXXX XXXX 90 day late, XXXX XXXX acct # XXXX 120 day late payment, XXXX XXXX acct # XXXX 120 day late payment, XXXX acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX, XXXX acct # XXXX, paragon rev acct # XXXX, credit coll acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # acct # XXXX, XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX Late payment, self/lead latepayment, has violated my rights. 

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

15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-20
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. (GA)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Inquiries ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX
Consumer complaint received 2022-05-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (WV)

I went on a deferred payment plan during Covid due to a loss of revenue in XXXX. That agreement expired in XX/XX/XXXX. Freedom Mortgage offered me various options. I chose an in house refinance that would roll the owed balance to the back of the loan. In addition it would lower my payments and my interest rate. I received the paperwork XX/XX/XXXX. On XXXX XXXX I went to have it notarized by my bank XXXX at XXXX Bank. He advised he was unable to sign off due to the nature of how the paperwork was written, as there was a co-borrower who was not present. he lives XXXX miles away and thought I could sign my half, have notarized and forward to coborrower. We called Freedom Mortgage directly and explained the issue. We were told new paperwork would be drawn up and sent separately to each party. I have called every week for XXXX months. In addition, I have made the payments as instructed. Each call I made I was given different answers, typically its processing and to wait. I offered anything I could on my end- told no to just sit and wait. 
On XX/XX/XXXX I spoke with XXXX in escalation department He advised I would receive a call the next day from him. He did call, and advised to expect a call from XXXX id # XXXX on XX/XX/XXXX. When I spoke with her I was advised that the account was closed in XXXX and denied. She recommended I re-apply online and research assistance programs. This came as quite a shock. She claimed I should have tried another notary. I requested to speak with her supervisor. Instead, I was transferred back to escalations. This company has done this XXXX times over XXXX years to me. I attempted an in-house refi twice to lower my payments. Was assured it was processing and wound up denied. I opted for the deferment after the denial that would have lowered my payments, as a result of those XXXX denials. 
This third time I have kept detailed notes of every call. Ive have every name of who Ive spoken with. I have made my payments on time as instructed. And at the end, Im told Im denied at no fault of my own. I would ask for this company and its practices.
Consumer complaint received 2021-11-16
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 m a victim of fraud there are multi fraudulent that as been open under my name I believe someone out there still have my information in keep using it XXXX {$530.00} XXXX/XXXX/XXXX creditor no action XXXX XXXX XXXX XXXX {$3100.00} creditor no action XXXX {$1100.00} XX/XX/XXXX creditor no action XXXX XXXX {$500.00} XXXXcreditor no action XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXX XXXX XXXX XX/XX/XXXX {$530.00}
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

CapitalOne has repeatedly refused to allow my card from 2005 to remain open, its since gone inactive after I REPEATEDLY requested they send me my card. They asked for proof of address along with ID. I HAVE SENT IN ALL. THEY WILL NOT HELP AT ALL
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (AZ)

{$500.00} Vanilla gift card was given to me by my boss. After trying to use is found out there was {$490.00} fraudulent charges in the amount of {$5.00} increments over a period of just a few days. Filed a fraud claim back in XXXX XXXXwith vanilla ( as per Vanilla ) and still no response from vanilla gift card after multiple attempts to to get this resolved. They keep telling me they are emailing the fraud department to find out the status.