davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
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)

The credit bureaus XXXX, TransUnion and XXXX are reporting this account named XXXX XXXX in my credit file. 
This XXXX XXXX account does not belong to me. 
I have disputed this alleged debt/ in my credit file account 3 times. However, the credit bureaus refused to delete it from my file. Instead their reply to my deletion request was verified the account belongs to me. I asked for proof of the validation but was never provided such. I need this account removed from my credit file because it does not belong to me. I also need any information that the credit bureau have from this creditor so I can file this case as identity theft being the credit bureau said they verified the debt was mine
Consumer complaint received 2020-03-16
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: EQUIFAX, INC. (CA)

I have been shopping for cars for about a month and on XX/XX/2020 I was at the XXXX dealership and I found a car I liked so they ran my credit to see what my monthly payments were going to be as well as the interest rate ; however, when my credit report came back, I was told that I didn't get approved at all because there were several accounts in negative standing on my credit. I looked through my credit report and I saw many accounts on there that I never opened. The accounts are from XXXX XXXX, XXXX XXXX XXXX  & US BKPT CT CA XXXX. None of those accounts belong to me and I have never allowed anyone to open those accounts with my personal information. I did not take part in any transactions or payments made towards any of those accounts.
Consumer complaint received 2020-03-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC. (FL)

I am the Seller of a home in XXXX Florida that closed on XX/XX/XXXX. Per the terms of the contract I offered to provide the buyers with a new A/C system. The cost of the new A/C system was {$5500.00} of which {$540.00} was pre-paid. The Lender required an escrow hold-back of 150 % which equaled {$7500.00}. The A/C system was installed XX/XX/XXXX and a Escrow Release Agreement was signed XX/XX/XXXX. To date ( XX/XX/XXXX ) the A/C company has not been paid nor have I have received the {$2500.00} held back over the {$5000.00} remaining balance of the A/C system. Homebridge Wholesale refuses to address the title company 's multiple request for an explanation of when the escrow hold-back will be released nor do they respond to numerous phone calls from me.
Consumer complaint received 2020-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation (SC)

I received a loan for {$900.00}. I made 1 payment online. I went to make the 2nd payment and it said my account was closed ( it's not ) and I could not make the payment, nor was I notified I would need to mail the check earlier. I sent a check and sent them an email saying there was no way the check would get there before the due date ( Its due on the 12th and I paid it on the 10th ). Well they reported it to my credit report and and have called me at work over 20 times a day. I sent them an email telling them do not call my work, I still receive calls on both my office and my cell. I am not allowed any personal calls except for an emergency. Today, they had a sheriff drop off a note saying I am late ( which is their fault not letting me know I couldn't pay online ) which is embarrassing. I am being harassed over this payment! Now with the Covid19, I have no idea how long anything will take to be mailed!
Consumer complaint received 2024-04-12
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (WI)

I have a Meijers store credit card and the interest was 29.24 %. I have never missed a payment and owe a small amount. My credit score is XXXX. I received a noticed today that my interest on my card would be going up in XXXX XXXX XXXX XXXX How can that amount even be legal? If I do not agree to those terms, my card will be terminated. Isn't that illegal? I have had my card for several years and have been an excellent consumer. Why are these company 's being allowed to gouge the consumers with these interest rates? Why isn't the government stepping in to stop this abuse. I am XXXX and have had credit for years and I know there were regulations as to how much they could charge for interest. Is this because in XXXX XXXX XXXX regulations were eliminated and them wanting to disband your organization? This is unacceptable and our Government needs to do something about it.
Consumer complaint received 2022-12-31
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. (NJ)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX XXXX XXXX XXXX different account numbers Account # : XXXX XXXX XXXX XXXX different amounts the inaccuracies go on XXXX {$140.00} Showing on the report twice damaging my profile XXXX instead of XXXX along with a lot of other reporting inconsistencies clearly a violation. 

Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under 15 USC Code 1681a ( 3 ) this medical collection is in violation and can't be on my credit report. By time you read this the new law will be active anything under 500 $ will not reported I am so tired of my consumer rights being violated please see attached proof
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

It all started on XX/XX/XXXX when I called Wells fargo to dispute a charge for an item I never received. They told me the fraud dept would be calling me to ask me a few more questions. About XXXX later I received a text stating Wells fargo bank did you attempt a XXXX transaction for {$3500.00} reply yes or no. I replied no so a got another text stating Wells Fargo Fraud dept due to the NO response A representative will be contacting you shortly. About XXXX XXXX later I get a face time call from a number that is labeled XXXX he told me there were XXXX pending {$3500.00} XXXX payments to a XXXX XXXX XXXX I told him no and he said the only way to stop the pending XXXX payments I would have to transfer money from my wells fargo bank account to XXXX and the to cancel the pending XXXX payments. There were 8 transactions 4 online and XXXX XXXX payments. He then asked me to contact my sons to finish the process. He got about {$12000.00} from 4 of my accounts. I kept telling him this did not seem right that the money was getting pulled out of my bank account and he said that was normal because all the payments were still pending and it would be back in my account tomorrow. At the end of the call he made a comment about no need to contact them back today that there was nothing more I could do about it until tomorrow and he will call me no need to call them and when they got ahold of me tomorrow the money would be back in my acct tomorrow I told them I work all day and I am not waiting for them to get ahold of me to get my money back. The whole thing felt weird but the end of the call really felt weird. So I called wells fargo less than 5 minutes after hanging up with the scammer and was on the phone with Wells fargo for XXXX trying to stop all the payments. WF said I called them in time that all the charges were still pending and the should be able to stop them. WF said it should take a week to hear something and get money back. I got a letter from WF stating the case was closed that I authorized payments. So I called WF and asked them how they could close a dispute without looking into it. They said it was escalated to the next level and they were still working on it and I should hear something in about a month. The scammer tried breaking into XXXX XXXX XXXX my XXXX, and XXXX XXXX I am still getting text messages from them acting like Wells Fargo fraud dept. I filed a police report yesterday XX/XX/XXXX which was pointless but I felt necessary. 
I called Wellsfargo again on XX/XX/XXXX and they said my dispute was never reopened or escalated and it was not their problem because the scammer told me what to do and I did it. Please help. This is our lifesavings and the only way we can afford to pay our mortgage. If you cant help me please let me know who can. I will do or try whatever it takes to get our money back. Thank you
Consumer complaint received 2022-12-31
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. (PA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CA)

I took a loan of XXXX $ from loanatlast on XX/XX/2020. I was supposed to pay XXXX $ every XX/XX/XXXX and XX/XX/XXXX of every month. Today is XX/XX/2020. They deducted the mentioned amount of XXXX on XX/XX/XXXX and again today on XX/XX/XXXX before the due date. My bank is overdrawn and now Im in a distress.
Consumer complaint received 2022-03-25
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-12-31
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. (FL)

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

Account : XXXX Account # : XXXX Charged off- This account is written as a charge off. 

Account : XXXX XXXX  Account # XXXX Late Payment dated XX/XX/2020 15 U.S.C 1681 section 602 A States I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.C 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2020-03-28
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-03-16
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 Would like to make a complain about being a victim of identity Theft I check my Credit and I Notice that there are Accounts that I did Not Authorize these Accounts was not open by me. 
I needs these accounts Removed From My Credit thank you
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AR)

My husband and i had a Citibank card. We paid this card off in XX/XX/2019. My husband called and spoke with a female agent and asked for account to be closed. She thanked him for our business and said she would take care of it. However she must note have not taken care of it because my son bought something off XXXX and charged to the card in XXXX. We did not realize this was how he paid for it because We were under the understanding that this account was closed and paid off so we were no longer making payments. We were only informed of balance through email which we had not received and my husband got some calls on his phone that came up as Possible Spam so he did not answer. The XXXX dollar purchase turned into XXXX dollars over the course of 5 months. Why were we not sent a bill of notice before all this happened? We only knew about this when we were purchasing something and our credit score was much lower than it has ever been. Upon finding out about this XXXX balance we did pay it and also received a paper bill last month for XXXX which I also immediately paid. I tried to contact them on that day but was unable to get answer after a very long hold time, so I just paid what the bill i had said. We have paid our bill each month on time prior to this and certainly would just have stopped paying it over XXXX? dollars. We tried to talk with the company with no results they just kept telling us we got emails and they have no records that we wanted account closed. We have paid this in full except as the agent mentioned several times we will owe residual interest but unable to tell us that amount. I also asked something in writing stating that bill had been paid and account closed agent said he could not provide that and transferred us to customer service where again i went through a menu and ended up holding and cut off. I tried again to contact them today and held for almost 2 hours. I would like an email or some proof that we want our account closed so i am not dealing with this again. I also would like this to not be on my credit report. I do not feel that we were treated fairly by Citibank.
Consumer complaint received 2020-04-11
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: Experian Information Solutions Inc. (IL)

I tried to freeze my credit report with Experian in XXXX. I unknowlingly signed up for a paid membership by requesting their " credit lock '' product and was billed {$9.00} on XX/XX/20 and {$19.00} on XX/XX/20. After cancelling my account online and calling Experian customer service on XX/XX/20, I received a refund for {$9.00}, but not the {$19.00} charge in XXXX. I was also again charged in XXXX for {$19.00} on XX/XX/20.
Consumer complaint received 2020-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I think I am a victim of a hacked account and bad check scam. Around XXXX PDT XX/XX/2020 I received an email someone not me had mobile deposited a check into my account. When I logged into my account it showed my account was locked and did not let me access my money. I tried calling all the Bank of America NA and XXXX XXXX XXXX XXXX numbers and waited upto an hour without response.
Consumer complaint received 2018-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (TX)

CAC Financial Corp has placed the debts of those with names like mine on my credit report. The debt was created in XXXX Louisiana, where I have never lived nor been hospitalized. I called XX/XX/XXXX and XX/XX/XXXX, being told each time they could not assist me. This is unacceptable!
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have filed police reports and reports with the ftc. Inquires were placed on my report with out my consent. 

FTC report numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CO)

On XX/XX/2021 I filed a Loan modification application with PHH Mortgage, I received an email within 10 days stating they received the application, after that I NEVER received a response, Nothing, I called several times and was told I could not apply for a modification because I am in Chapter XXXX bankruptcy, this in inaccurate and you can check with Bankruptcy court, YES you can file for a modification. I spoke with XXXX on the next call and she stated that I had to put in writing that I am not affected by Covid in order to be considered. After that call I called a HUD counselor, I spoke with XXXX XXXX on XX/XX/2021 and discussed PHH, prior to the call I received a letter from XXXX XXXX XXXX, they represent PHH and it stated I have a forbearance from XX/XX/2021 through XX/XX/2021, I never asked for this, I am asking for a modification so I can get caught up on payments. XXXX and discussed a plan and I have included her on emails t PHH. I forgot to mention that the first rep said they needed a letter from my attorney stating they could talk to me about my mortgage, the rep said they did not have it, it has been sent maybe 8 times by my attorney and also by me, I have attached the letter that I sent to PHH again last week, the letter states I can discuss all aspects of my loan. The rep said Oh, I found it in another folder. Today XXXX I called the escalation department has an email instructed me to do and I got the same rude representative named XXXX, she said I can not apply for a modification because of Bankruptcy and that I need to send a letter stating I am not impacted by Covid. She said she could not discuss with me and I stated that once again the Letter from the attorney is with PHH and states YES you can. She said she only sees a image and she can only discuss payments, I hung up before I let loose on her. This is outrageous, I am trapped from doing anything, I can not keep paying an attorney to address PHH. I am asking for a modification and need a response. PHH should have a lawsuit against them.
Consumer complaint received 2020-03-16
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. (IL)

XXXX  ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$20000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am current with the payments, I havent missed any payments, and I currently own and am driving this vehicle. This account is being coded as a charge-off. This coding is wrong. This account is in good standing and needs to be reporting accurate information. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to fix this coding issue, but I have not been successful.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Real Time Group, Inc. (SC)

On XXXX, I filed a complaint with the CFPB ( # XXXX ). The company did not fix my credit report or remove the full balance as stated in the claim. I thought they had removed everything. They changed their name from XXXX to Real-Time Resolution and added more derogatory information to my credit report. 

In the attached documents, you will find the original CFPB complaint. I included a section from my XXXX credit report. Page 9 shows where Real-Time and XXXX are the same company. in the XXXX credit report, it shows that only Real-Time is on my credit report, but the information is inaccurate.