davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CO)

Ally Financial XXXX reported my XX/XX/2020 auto payment 30 days past due on my credit report when my account shows I have always been on time for making payment. I am trying to obtain a lease and a loan to help keep my bills afloat during COVID and to move and this is hindering my ability to do so. I have to be out of my current home in less than 2 weeks and I am unable to get a lease or loan because of this past due reporting. 

Ally reported this in incorrectly and falsely and is refusing to assist me timely. 

The attached account shows I made my 2020 payments timely including XXXX.
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

Fay has placed {$170.00} in late fees because they claim that I have paid my mortgage late in XXXX XXXX and XXXX. 

My payments were all made on time. I mailed them on time, or paid them online on time. Fay insists on charging me for when the payments arrived vs, when I mailed them or authorized they be paid through my bank. 

Please help me get these unfair charges removed. Thank you,
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

Over the past few months I have been received " pre-selected '' letters in the mail from Citibank claiming I was preselected for their " Double Cash back XXXX ''. After XXXX letters I decided to apply only for Citibank to decline my application, then they send me another letter shortly after with the same verbiage. Based on their letter I should be qualified for the card yet they denied me for reasons not listed on the XXXX page of the letter. My income ( attached bank screenshot from XXXX ) is more than enough based on their criteria. I feel that CitiBank is using deceitful tactics to get people to apply but then deny their applications despite saying that they've been " pre-selected '' and meeting their supposed criteria. I feel that Citibank is praying upon younger individuals such as myself by using words such as " your invited " pre-selected '' : '' invitation '' getting them to apply and potentially harming credit scores and adding inquires. If a person is " pre-selected '' then they should be screen for higher odds of being approved but not denied for again reasons not listed on their " criteria 's '' page.
Consumer complaint received 2020-08-13
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. (LA)

Mortgage lender XXXX XXXXXXXX performed a hard credit inquiry without my authorization. I specifically stated that I did not give consent to a hard inquiry and that I was shopping estimates. XXXX XXXX, NMLS ID : XXXX, assured me that it would only be a soft pull.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

I was charged many years ago for a phone that I never owned. Someone had purchased it on my account and I was never informed. Years later I get told I have a debt that I disputed and was told would be removed. Now I still had the same debt, so I had to use my savings to pay the debt off and now they will not delete it from my credit report.
Consumer complaint received 2024-03-19
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX  Account Name : XXXXXXXX XXXX  XXXX : Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

I received a letter from XXXX XXXX XXXX purporting to be an attempt to collect a previously disputed alleged {$99.00} debt. XX/XX/2023, I sent them a letter disputing this alleged debt, a cease & desist collection attempts, an invoice for FDCPA violations contained in the letter, and a pre-arbitration demand.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (LA)

I purchased a product from XXXX and never received it. I have tried countless times to contact XXXX, when that failed I reached out to my bank. They too gave me the run around, making all kinds of excuses for why they havent put my money back in my account. 

Please note my package was out for delivery for three to four days. This here should have told my bank something was wrong. Also the package was sent back to them on XX/XX/XXXX, yet my bank acts like they cant figure it out. Your help Is deeply appreciated
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (PA)

My account is on hold after i tried to transfer money to my XXXX XXXX   account to pay my rent ... they asked me to submit my Id i have done this 20 times and nothing they say i havnt submitted anything or they say its not clear enuff they are doing many ppl unjust ppl waiting on money they are holding on to accusing him very one of fraud. I want to get a lawyer as well i have to help my mother pay bills they are holding XXXX from me n my family
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello, I am having issues with the credit buraue and false information repaorting on my credit. I have been sending latters since the begining of this year and no one has helped me. I recently applied for a hoem and was denied due to my credit report. 

I have attached the letters I have been sending,
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Report act, Equifax Credit Information Services INC, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

I sent servals disputes letter to verify my correct address, Name, DOB, SSN and Employer and no action was taken to fix my credit profile.
Consumer complaint received 2023-07-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

I received a letter from Transworld Systems Inc. purporting to be an attempt to collect a previously disputed alleged {$99.00} debt. XX/XX/2023, I sent them a letter disputing this alleged debt, a cease & desist collection attempts, an invoice for FDCPA violations contained in the letter, and a pre-arbitration demand.
Consumer complaint received 2024-03-19
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : DEPT OF ED / XXXX : Account XXXX Account Name : DEPT OF ED / XXXX : Account XXXX Account Name : US DEPARTMENT OF EDU : Account XXXX Account Name : US DEPARTMENT OF EDU : Account XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I have been trying to purchase a home for a short sale that is located at XXXX XXXX XXXX in XXXX Massachusetts. 
The seller of the house is XXXX XXXX XXXX, Trustee of XXXX XXXX XXXX. 

The realtor is XXXX XXXX XXXX XXXX phone number : XXXX Buyer : XXXX XXXX Phone XXXX Loan # XXXX with Specialized Loan Servicing On XX/XX/2019 the realtor, XXXX XXXX, sent in all paper work to Specialized Loan Servicing to the following fax number : XXXX to a person named XXXX for a short sale review. 
We have never received an approval or denial or any correspondence of the short sale to this date from SLS. 
SLS employee XXXX, relationship manager, many weeks ago spoke to XXXX on the phone and stated someone dropped the ball & we are going to have this all cleared up in a few days XXXX has made over 100 plus calls to this company, which she has documented the date, times and the person she spoke with. XXXX, the Relationship Manager has never since the initial conversation returned any phone calls to the realtor. When you call SLS number at XXXX you will here this has been approved but when speaking to a person you will be told it is in review. It is now over a year SLS has been reviewing this short sale.
Consumer complaint received 2020-10-01
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. (VA)

I have two accounts/creditors on my credit report that list me as an authorized user. These accounts are not mine and I have not authorized anyone to add me as an authorized user. I have tried to get these removed by the creditor but they have not done so. 

I would like these accounts deleted from my credit report. 

XXXX / XX/XX/XXXX {$200.00} XXXX XXXX / XX/XX/XXXX {$1700.00} XXXX
Consumer complaint received 2020-10-01
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. (VA)

I have two accounts/creditors on my credit report that list me as an authorized user. These accounts are not mine and I have not authorized anyone to add me as an authorized user. I have tried to get these removed by the creditor but they have not done so. 

I would like these accounts deleted from my credit report. 

XXXX / XX/XX/XXXX {$200.00} XXXX XXXX / XX/XX/XXXX {$1700.00} XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Hello, I am filing this complaint because I feel as though I'm being discriminated against by an underwriter employed with Huntington Bank because I am a XXXX XXXX American man. I have applied for mortgage loans and received multiple mortgages from other institutions for the purchase of a primary residence as well as for investment properties but my experience with Huntington bank has been like no other experience and disheartening to say the least. 

I have been subjected to several rounds of underwriter conditions after receiving multiple " clear to close '' letters and email communication from the Bank. I feel this underwriter is trying intentionally to sabotage my loan application in order to prevent me from purchasing a rental property. 

The conditions that the underwriter has set forth are not in compliance with XXXX XXXX XXXX underwriting guidelines and he is using XXXX bias and his subjectivity to create unnecessary loan underwriting conditions for no valid reason. I have returned documents several times and have completed everything that has been asked of me. 

On XX/XX/2020 I received a closing disclosure and a final clear to close. On XX/XX/2020 I had my bank account wire of {$47000.00} to the title agency that was handling our closing that was scheduled for Friday XX/XX/2020. Today on XX/XX/2020 I received a call indicating that the underwriting was asking for more conditions. This condition that he asked about was already resolved prior to Huntington Bank issuing me the preliminary closing disclosure and final closing disclosure in preparation for our scheduled closing of XX/XX/2020. 

I feel I am being singled out because I am a XXXX XXXX American man. I would like for the CFPB to look in my allegations to determine if the underwriter working my loan application 's conduct is illegal and inappropriate in regards to the mortgage lending regulations. I believe this underwriter is in direct violation and he and Huntington Bank are guilty of Mortgage Discrimination. My complaint is in no way aimed at the mortgage loan officer that took my file and worked with me during this process. This complaint is 100 % aimed at the underwriter.
Consumer complaint received 2020-08-13
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX  XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX CHAPTERBANKRUPTCYDISMISSED XXXX XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX {$590.00}
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP (MO)

Received collection notice from mandarich law group. I have been paying on this debt for over a year. Over 50 % of the original debt is paid. Absolute resolutions reported a collection on both transunion and equifax. Never contacted me or sent me any debt verification letter. When I called they stated that they bought the debt in XXXX. In XXXX of XXXX, 2 years after the debt was purchased, they reported to both equifax and transunion. Will not send me any verification letter. Stated that this was a process that they just started implementing. Payments are current with no lapses. Balance is now {$930.00}
Consumer complaint received 2024-03-19
Product: Credit reporting 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. (VA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, 2023 XXXX XXXX XXXX, 2023 XXXX XXXX XXXX, 2023
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX Equifax are reporting addresses that do not belong to me. I have disputed this incorrect information on multiple occasions and I have not had any success getting this incorrect information removed from my credit report. The following addresses I also disputed with XXXX and they were removed as the properly should have been under my rights through the FCRA. The incorrect addresses are the following : 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. These are the incorrect addresses that are being reported by XXXX on my credit report. As for Equifax, I disputed the incorrect address and I also sent an image of my utility bill. They added my correct address but did not remove the address I disputed with Equifax. The incorrect address that are being reported is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As I previously stated these addresses were properly removed from my XXXX credit report upon request, however my attempts to dispute them with XXXX XXXX Equifax have not been successful. My current and only address should show as the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This is my accurate address and any other addresses should be removed under my rights through the FCRA.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NC)

To whom it may concern : As I have been facing reduced work hours due to COVID-19, I had to reach out to each creditor I owe money to work out some kind of relief. While the vast majority had granted me a deferment or waiver until I get my hours back, unfortunately Citibank ( servicer of the Best Buy Visa Credit Card ) has refused to work out an agreement due to my current situation. I talked to XXXX ( ID XXXX ), from Customer Service last week. She declined to waive the payment temporarily, or apply a deferment. Not even allow me to pay as much as I can as my financial situation allows me. One more time, Citibank is lying when they offer COVID-19 relief, and I feel like they have something personal against me, even I made my best to pay on time.
Consumer complaint received 2024-03-19
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (DE)

I received a collections notice in XX/XX/XXXX from XXXX XXXX for a debt, that I don't owe. I can upload documenting that provides proof that the ledgers are falsified.XXXX XXXX has unethical business practices and are trying to collect rent from tenants and government assistance. My rental assistance was paid up until XX/XX/XXXX. There was a eviction case that was voluntarily dismissed due to the court findings of the rent being paid and no balance. In addition, the lawyer 's ledger contradicts XXXX XXXX XXXX XXXX XXXX which shows proof of falsying. In addition, I will show proof of payment that was paid in XXXX XXXX, therefore I could have no balance but on XXXX XXXX XXXX XXXX I have a false balance. There's uploads to refer to as proof. There's also a conversation with XXXX XXXX, property manager in XX/XX/XXXX about the {$3600.00} owed to me so I couldn't have a balance!