davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am furious that I have not received an update about my investigation from this credit reporting agency. I have been wasting my hard money on stamps, letters, and ink to send out my letters. It's been more than 60 days and I have not received a response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I will not wait another 60 days to receive an update. These accounts must be removed ASAP. 

These are the accounts that I demand be deleted. 

15 U.S code 1681n Infamis of pulls XXXX  Date of inquiry : XX/XX/2020 15 U.S code 1681n Infamis of pulls XXXX XXXX Date of inquiry : XX/XX/2020 misleading false reporting unverifiable and inaccurate reporting. Date last activity is not 100 % accurate across each credit bureas which is a FCRA violation XXXX  XXXX Account Number : XXXX misleading false reporting unverifiable and inaccurate reporting. Date last activity is not 100 % accurate across each credit bureas which is a FCRA violation XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy XXXX Account Number : XXXX
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

Friday XX/XX/XXXX I was offered to do a job for someone that would start Monday XXXX XXXX. I was paid XXXX to do the job, and would be paid by check that I would deposit through my mobile banking app. When I received the check it was for XXXX and was asked to send XXXX to an orphanage through XXXX XXXX. I thought it was fine as everything looked legitimate to my knowledge and Im all for supporting orphanages. I deposited the check and kept XXXX for my pay and sent the remaining XXXX through XXXX XXXX. The next day I was sent another heck for XXXX which I deposited XXXX for my pay and sent XXXX to the orphanage again. However the next day I noticed my bank Wells Fargo had put a hold on the check and that my account was overdrawn. This has never happened to me before so I immediately called my bank to inquire about the check and as told why it was being held. The phone teller let me know that it was being held due to verification reasons. At that point I began questioning if I had been scammed. I contacted the person who sent me the check and they asked for my social security info and Id numbers, which after I know I had been scammed, and that they was not likely any orphanage. I called Wells Fargo on XX/XX/XXXX and XXXX of 2021 and reported the incident aswell as to file a claim for the reimbursement of the XXXX I had sent through XXXX XXXX. Several days have passed and on XXXX XXXX I called to check on my claim and when I got off the phone they said they would call me with any further questions. Then later that day I received an email saying that my claim was completed however I received no reimbursement as of late. I am a young adult who never experienced something like this, I have been a loyal Wells Fargo customer since I was a teen, and the way this was handled did not reflect that.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MI)

On XXXX I purchased clear using my amex aspire card and was supposed to get a cash back of XXXX to cover that expense. It's supposed to be posted in 8-12 weeks but not 4 months. Tried calling, and messaging Amex at least 6 times opened multiple tickets, and escalated multiple times, everytime amex agent agree it is a mistake and will get it fix in 24-48 hrs, but none has worked and I still haven't receive the credit.
Consumer complaint received 2021-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My mortgage was in forbearance. The loan was current. Before the forbearance was to end, I ended up with a new job in a different state. I sold the residence and paid the mortgage in full, XX/XX/2021. Forbearance was to end XX/XX/2021 ( first payment due ). They reported balance of {$0.00} but did not notate payment for XX/XX/2021. BUT the put on mortgage was 120 days late. I tried to call but their system says I don't have account and I can not talk with anyone. 
How can they say I am 120 days late? 
How can they say balance is paid in full yet record no payment? This cost me 90 points on my credit report and may cause me to lose my next mortgage for a new house.

This company has been horrible to work with from the time they bought my loan and now is just horrible.
Consumer complaint received 2021-08-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (AZ)

In XXXX XXXX XXXX  was the servicer of our mortgage. We aske for a modification in XXXX of XXXX so that we could us that money to catch up on some debt due to covid. we were allowed to not pay for XXXX, XXXX, and XXXX of XXXX. The modification was to roll these payments to the end of our load. We signed and notarized the modification paperwork and sent it in. In XXXX we were sent notice that our loan had been sold to a different servicer call BSI. We maintained paying our loan which I have the bank statements to prove, but since the modification wasn't completed by XXXX XXXX, even thought we signed the paper work and sent it back to XXXX XXXX. it has been almost a year waiting for BSI to get the account cleared up. I have received a loan statement dated XX/XX/XXXX that states I owe {$11000.00} in back payments. They have my account listed on their website as being behind 224 days, and they have reported to the credit bureaus twice that I am 120 days behind. Causing our credit average to drop nearly 100 points. I have contacted them by phone and e-mail to try and get them to stop the modification process and let me refi since the rates are now lower than what they are giving. Since they have reported my " late '' payment I will not be able to qualify for a refi because of there predatory attitude to my account. I would like some help in clearing this account knowing where the account balance is, so that I can refi with a company more reliable then BSI.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a capital one charge off on my credit file that I did NOT open this account. When I realized this was on my credit in XXXX I contacted capital one and settled this account because I dont want to owe money on my reports. This account is NOT mine. My social and work permit were both stolen in XXXX and I am assuming this is a result of that. This is identity theft. I have filed my FTC report
Consumer complaint received 2021-08-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I sent disputes to credit bureaus to dispute inaccurate negative items and have not received a response after several attempts to resolve the issue. The bureaus have not resolved my concerns, they have not completed their investigations in the allotted time frame, and the inaccurate information has remained on my credit report without being verified per my request.
Consumer complaint received 2021-08-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: GATEWAY FIRST BANK (MO)

Gateway Mortgage, a division of Gateway First Bank, XXXX XXXX, sent me confirmation of my loan being paid off and a lien release issued in XXXX of XXXX. 

Reporting to credit bureaus of no activity since then. 

As of today Gateway mortgage is wrongfully reporting my acct now showing a Past due status as of XXXX of XXXX and now showing a balance of {$560.00}. They have somehow added a balance back on to the mortgage, that was paid off, and then retro-actively hit me with late reports all the way back to XX/XX/XXXX. 

This is a huge error on their part and needs to be resolved immediately. 
I was notified by all my credit monitoring today of this error. This can potentially cost me my livelihood as I am a XXXX XXXX XXXX and being behind on a mortgage is a huge no no in terms of being licensed. 

I have attached a downloaded report as of XX/XX/XXXX showing no activity and the acct closed. I have attached a report form today shows all of the negative activity. 

Thanks.
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Credit Solutions, Inc. (FL)

On XX/XX/2021, a collection of {$1300.00} was placed in my name on my credit profile from an unknown debt collection agency identified as Complete Credit Solution with no prior notifications sent to me via mail, email or phone. Since then, I have disputed this debt multiple times with all 3 credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX who have only stated that the debt was confirmed with no actual investigation or documentation sent to me for confirmation. I have also sent notarized and certified letters dated XX/XX/2021 for all 3 credit bureaus and XX/XX/2021 ( with an estimated arrival date of XX/XX/2021 ) to the debt collection agency and all have since refused to send me documentation of this alleged debt or their investigation methods to which I have no knowledge of creating. 

I have been the victim of identity theft numerous amounts of time and there is even a notice on my credit reports to identify all information and without proper confirmation this constitutes fraud and another case of identity theft. This debt has been on my account for over 6 months and has caused me great distress as I can not acquire vital loans or new lines of funding needed for the my financial future. 

Below are the certified receipt numbers for reference : Complete Credit Solutions # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please look into this matter as soon as possible.
Consumer complaint received 2021-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CT)

Credence Resource Management out of XXXX Texas call my husbands phone number looking for me. His Robo killer kicked in. I looked up the company they appeared to be legitimate. I called them back and received a live human being. I asked her what this was about and she said she did not know because my phone number was not in their system and therefore I probably did not have a debt. I asked her if Im not in your system why did you call me. She could not answer the question because she said she wasnt the person who originally called. she did say it had something to do with XXXX XXXX XXXX and XXXX. I was told that I was on a recorded line at which point I told her that this is a do not call number and she wants to forward my response to the higher-ups or to the appropriate department. Here is what I said to her, I am reporting you to the do not call list. I have reported them to the XXXX XXXX XXXX as well. 

When I got off the phone with her I pulled my credit reports to find that credence resource management did a soft inquiry on my experience report on XX/XX/2021.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made an atm deposit inside the banking center at a Bank of America branch. The branch is located in XXXX, FL. XXXX XXXX XXXX and XXXX XXXX ). I initially attempted to place deposit with a teller inside the bank, but after waiting for a half hour, I was told I had to place cash deposit using the ATM. I asked for a manager but was refused several times. 
I made the deposit around XXXX on XX/XX/XXXX, and the representative, XXXX was next to me waiting for the machine to print the receipt for {$6100.00}, but the machine went out of order and didn't print a receipt and didn't credit my account. XXXX called the customer service line to place a claim and she informed the machine would be reconciled that evening and I should see the funds in my account the next morning, but no later than 48 hours. I attempted calling the main Bank of America customer service claims line, and I spoke to tXXXX supervisors, XXXX and her supervisor, XXXX. I was told that I would have to wait for a temporary credit and it could take 45 to 90 business days! this was a cash deposit, and I am very concerned the bank is attempting to abscond my money, or at a minimum, keep the funds within its banking center for an extended period of time. 
I attempted calling the banking center and XXXX directly, left several messages over two days, but nobody answers and I haven't received a single call back. 
The bank has an online rating of 2 stars, but multiple complaints at that location, some with similar problems to the one I encountered. 
Please advise and let me know if any additional information is required. 
Thank you.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ERC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1000.00}
Consumer complaint received 2021-08-09
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: Resurgent Capital Services L.P. (GA)

I previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

This was paid to XXXX XXXX after seeing in collections this bill was handled five years ago and it keeps appearing. The other two CRAs have erased it from my report but it Continues to be reported here. I have also sent them a letter to verify the collection and they have not responded as yet.
Consumer complaint received 2021-08-13
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. (CA)

due to being at mercy of negative, deceptive fraudulent charges that were not mine, but preventing from being approved for an apartment, I was forced to pay XXXX XXXX XXXX. 

Account is paid in full and closed, please adjust asap please on all 3 credit bureaus equifax XXXX and XXXX
Consumer complaint received 2021-08-13
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. (CA)

due to being at mercy of negative, deceptive fraudulent charges that were not mine, but preventing from being approved for an apartment, I was forced to pay XXXX XXXX XXXX. 

Account is paid in full and closed, please adjust asap please on all 3 credit bureaus XXXX transunion and XXXX
Consumer complaint received 2021-07-28
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. (MA)

This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe {$240.00} or my account was charged off {$240.00} ]. 

XXXX/XXXX  # XXXX, which you claim, I owe {$0.00} or my account was charged off {$0.00} ] XXXX  XXXX  # XXXX, which you claim, I owe {$480.00} or my account was charged off {$480.00}. 

XXXX XXXX # XXXX, {$1100.00} or my account was charged off {$1100.00} XXXX  # XXXX {$2600.00} or my account was charged off {$2600.00}. 

This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2021-08-13
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: EQUIFAX, INC. (FL)

I found accounts in my credit report that I do not recognize. I do not jnow these accounts and I ask you to remove them as soon as possible. I can not have them in my profile before I apply for a mortgage. 

These are those fake accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-13
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. (FL)

I found accounts in my credit report that I do not recognize. I do not jnow these accounts and I ask you to remove them as soon as possible. I can not have them in my profile before I apply for a mortgage. 

These are those fake accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (IL)

Representatives from this debt collector has been repeatedly calling, seeking someone whom I DO NOT KNOW, for a while, even after I'd told them to cease calling and that I do not know whom they seek! CID said : " Transworld Syst, '' " ( XXXX XXXX XXXX '' on XX/XX/21. However, these reps have called using other numbers, including XXXX.
Consumer complaint received 2021-08-13
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. (FL)

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

To whom can help, I submitted a dispute on XX/XX/2021 to XXXX, Equifax, and XXXX  of items that were alleged to belong to me that are being reported on my credit report. The 30-day time frame is outlined in the FCRA 611 ( 15 U.S.C. 1681I ), which has passed and they are out of compliance. This is not good for them to keep reporting this inaccurate information that is staining my credit report, which I've worked hard to build. For all I know this could be linked to the Equifax data breach are. I would like this information removed immediately or I will seek litigation.
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (FL)

This just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is XXXX. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID.