davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XX/XX/XXXX, I was notified by XXXX via email that an account in my name was late on payment. After receiving this email, I logged into my XXXX account and saw that I had an account with a balance of approximately {$3000.00}. The account was listed as XXXX. I immediately called XXXX XXXX  advising them of the situation. They stated I did not have to do anything else at this point. 

On XX/XX/XXXX, I contacted XXXX XXXX  to check on the status of their investigation. They stated that I now needed to file a report. I immediately went to IdentityTheft.gov and filed a report ( report number XXXX ) with the Federal Trade Commission. Afterwards, I called back and provided the report number. They stated I do not need to do anything else at this time. 

On XX/XX/XXXX, I called XXXX XXXX  again for an update. They told me that my claim was rejected and that I needed to file a police report now. On XX/XX/XXXX, I went to my local police department and filed a police report ( report number XXXX ) for identity theft at the XXXX  XXXX Police Department. 

I am highly upset about this whole situation because XXXX XXXX  have not been helpful with me throughout this stressful process. I called and advised them that I was a victim of identity theft. They denied my claims without explaining why. They did not reach out to me throughout this investigation. I was the one who had to reached out to them by phone for all three interactions. They kept advising me that I did not need to do anything else until I called them back for an update on the investigation. If there was really an issue found during the investigation, they should have contacted me via phone to ask for additional information or paperwork but they did not. I had to reach out to them every single time to ask why my claims was rejected when they stated I did not need to do anything else at the time.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-12-12
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. (PA)

XXXX XXXX  I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

XX/XX/XXXX and XX/XX/XXXX I attempted to contact my servicer regarding my loss of income due to the impact of the Corona Virus -COVID-19. There are no servicing or assistance options via the servicer website and I have left ( 2 ) messages and requested a means of contact. The Web message specifically states to contact the bankruptcy department but does not provide any contact information. I waited on hold for 1:09:59 seconds to be connected to the bankruptcy department and the call was routed back to customer service who stated " well you didn't get bankruptcy this is customer service ''.
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (LA)

I sent a letter on XX/XX/XXXX, to remove these items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally requesting with this CFPB complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts as I believe these accounts are reporting in error : XXXX  XXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/2021 XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : XX/XX/2021
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MD)

Its clear to me after not being approved by CITI several times, that for some reason, they are blocking me. And that is discrimination. 

My XXXX XXXXXXXX AAdvantage  card in XXXX was a noteworthy account then changed to Platinum Select Card.XXXX XXXX, it continued to be noteworthy. In XX/XX/XXXX, I paid my {$99.00} membership from the bill I received from CITI. But something happened with the account on XXXX XX/XX/XXXX, when I paid my annual membership fee of {$99.00}. There was a credit balance XXXX {$99.00}. On XXXX XXXX, I received a {$99.00} refund check. But the account should not have been closed. 

Request you review my account and see what negative comment is listed that is causing these problems. 

Since then, Ive tried several times to re-open the account but CITI WAS NOT HELPFUL AT ALL and they gave me a verbal negative short response. So I applied several times for a new XXXX XXXX AAdvantage Program and was denied by CITI both times. 

I would think a long and up-standing XXXX XXXX XXXX XXXX be treated much better than this. 

After a thorough review of my credit report provided by XXXX, there are only positive comments. All reflecting that I pay my debts on time and that I pay more than monthly amounts. 

I did not include my husbands income, but since his new car is listed, you need to increase our annual income to $ XXXX. We have XXXX house that is paid in full, and another house that is paid in full but has an equity loan of $ XXXX. 

I did not include his information for he is already in the Advantage Card program. He has his card for his travel interests, and I have mine for when we do not travel together. XXXX trying to purchase an XXXX XXXX ticket for XXXX, but this is holding me up from doing that. 

Discrepancies with the credit report - XXXX address that are listed that are not mine. I never resided at : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Id never live in XXXX ) and XXXX XXXX XXXX. Those address need to be removed from my report immediately and any comments related. 

Appreciate your assistance in correcting these infractions immediately. 

Happy XXXX XXXX, XXXX XXXX
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX  XXXX Balance : {$37000.00} & XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}.
Consumer complaint received 2020-03-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC (IN)

My VA interest rate increased on refinance then decrease on a VA refinance. first it was with XXXX XXXX, then with XXXX and then again with XXXX XXXX XXXX, for a third time. I suffer from XXXX, and the loans with the XXXX,. I feel that on the first I was taken advantage of by the agent. I was confused and no assistance was given. I feel that I was cheated, and I am unable to understand what took place. I am a XXXX XXXX   XXXX XXXX veteran. I need help to determine the account. Please help me.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX and Transunion should not be reporting each Inquiry showing on my credit report for Auto Financing as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-03-24
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. (TX)

all FTC violations been filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute is below laws they broke attached The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ;
Consumer complaint received 2020-04-03
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 am submitting this dispute about my XXXX  MasterCard credit card. My score just dropped 101 points on my credit report as XXXX  credit card did not do as we agreed. Due to being laid off from work due to corona virus my job has laid me off. I worked out a agreement with XXXX MasterCard that I will make payments as much as I can till I can bring the account current. I was told it would not be reported to the credit reporting agencies due to the natural disaster. Today I checked my credit score with my XXXX  card and my score went down by 101 points. I am very upset as I confirmed a few times with XXXX MasterCard when I spoke to them that my credit would not be affected and reported as delinquent but it was.
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of a large ( and still-ongoing ) scam/fraud ring, while trying to purchase a XXXX XXXX last month. I made XXXX XXXX payments for the equipment through my internet banking : {$1600.00} on XX/XX/2022 ( XXXX XXXX XXXX XXXX  and {$700.00} on XX/XX/2022 ( conf. no. XXXX ) before I realized my mistake and reported it, but Bank of America did not investigate my claims, and they refused to reverse the payments because they were " authorized ''. They advised me to " contact the person you sent the funds to directly for further assistance ''. Of course I have already contacted that person, and naturally they are unwilling to return the money ( this is why I reported the fraud to my bank in the first place ). I am certain I am communicating with the recipient of my payments because we communicate using the email address they used to enroll with XXXX. BoA have refused to take any further action, referring me to XXXX, and XXXX have refused to take any action at all, referring me back to BoA because the payments were made through their internet banking. XXXX has enabled BoA to process payments without appropriate customer protections, without incentives to prevent or investigate fraud, and to trivially wash their hands of liability. I am more upset about BoA 's behavior and the structure they ( and XXXX other major banks ) created than I am about losing the money. In retrospect, it's no wonder that XXXX is so closely associated with scams and fraud. The current structure should be illegal and changes to Regulation E are desperately needed.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

I had an outstanding late balance with Bayview of {$1800.00}. ( Actually from ocwen ) On XX/XX/20 I paid late charge balance of {$1800.00}. I have the canceled check as proof. On XX/XX/20 Bayview issued a  statement ( attached ) ) and indicated it was not paid. I called customer service and asked if they could update the account on. XX/XX/20. The representative apologized and said there was nothing he could do. I also asked him for a copy of my escrow statement and he was also unable to send the document. I looked for the document online and there was no copy. Im requesting a review of the escrow account as well as update the payment of {$1800.00} Thank you
Consumer complaint received 2020-04-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (NY)

I had a tough time paying my lease payment lease due to transitioning into a new job role. I tried reaching out to the leasing company to rectify the situation, but to no avail. Most late payments were 30 days.5 times in XXXX, 5 in XXXX and once in XXXX ( 11 total out of 36 months )
Consumer complaint received 2020-04-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (SC)

My loan has set direct debit days from my checking account. The days were set up for the XXXX and the XXXX of the month with a 360 % interest rate. I recently missed payments in the month of XXXX. My account was debited multiple times but there were insufficient funds available in XXXX. The payment was unsuccessful. My account to my knowledge had been taken off auto pay because the last payment was made online by me. My complaint is this company withdrew money from my checking account without my approval for the withdrawal date change. The withdrawal was on XX/XX/2020 for the amount of XXXX and again on XX/XX/2020 for XXXX and without warning. This came at the time when the world is facing a pandemic and my state is on a mandatory stay at home order. I am currently not working and have only my VA XXXX monthly payments deposited into my account. My complaint is the withdrawal of money from my checking account without my approval for two consecutive days. The days the money was taken out was not approved by me. I called the call center to inquire as to why my account was debited without my approval and I was instructed by an agent that the company has the right to debit my account at will if the money is not available on the agreed-upon dates. I asked for this in writing, I asked for the policy, and I asked for my contract with them mailed to me along with an itemized receipt. I was told that I could have neither. I was emailed a basic receipt of the information I already have. I thought the law was consumers are allowed a receipt with all payments. I do not know the balance prior to my payments or the interest that the account accrued over time. The agent did not know anything about my account amount and she was unable to answer any questions I had. She only answered what I already knew. She did not know any of the answers to the laws pertaining to loans in my state or the reporting agency for the agency she works for. I paid off the account as of XX/XX/2020 with my savings I had set aside for this mandatory quarantine. I was in fear that this company was going to debit my account without my permission again. I asked for my account to be closed and for information stating this as well. As of this time I have received neither. I have attached a few of my receipts sent to me by the agent, it only shows my principal balance after my payment. As you can see my last to payments the majority was made to the interest. I have no idea what that amount was.
Consumer complaint received 2020-03-24
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. (SC)

I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from XXXX  showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

To Whom it ma concern, i'am writing to file a formal complaint on a company called SN SERVICING CORP . They service my mortgage loan, i live in California and the governor order the closure of all non essential businesses so I had to shut my doors for the time being through these crisis and times of hardship. 

I called my asset manager to express what is going on and tell her and sent her proof of the documents from the county and state requiring my closure she stated she doesn't have any say it is up to the investor. I asked who is the investor she gave me a name of XXXX XXXX XXXX XXXX XXXX XXXX, WHAT CAN I DO I NEED HELP OR DIRECTION. 

In addition there is no sympathy to our situation from anyone in that company to work with us or explain anything to us all they say is its up to the investor and we do not know who that is. CAN SOMEONE HELP ... ... ..
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I asked for the original company to provide me with the account number and information, I was told my account was sold to a different company. I asked this from all three credit companies, XXXX, Experian these companies have violated my privacy.By fair action law each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of its customers no public personal information according to the law15 USC 6801 they have failed to delete the disputed information that had been requested, By law all debts on my report must be deleted, these errors on my report are stopping me from moving forward in life, and is causing a great toll on me and my children life.
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (PA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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 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 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 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 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 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