davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I for some reason do not have a credit score with XXXX  and Transunion. I do have a credit score with XXXX. I have been trying to establish credit with XXXX  and Transunion however, there has been too much back and forth at this point and they have not been able to assist. 

I have sent my information twice now to each XXXX  and Transunion. 

With Transunion, I have sent my information both times by mail. Apparently, the 1st time I sent it, it was not enough information even though I sent what they asked for. So, I sent everything again including new additional documents through certified mail, and am waiting now. 

With XXXX, I have sent my information through fax and have confirmation of delivery however after waiting 8 business days after XXXX  received the files ( which by the way, they said they need 3-5 days ), they have no record of the file. Customer Service assumed that it was because the files were not readable and asked me to resend the information again. XXXX  also does not have any notes to prove that the file was not readable. So, I sent everything again through certified mail and am waiting now. However, I am very concerned that the same exact thing will happen.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (OH)

Email reviewed claiming to be from PayPal and fraudulent charge. Email from an XXXX account though. Using copyrighted PayPal info to seem official with an XXXX number to call. They don't list my supposed account number anywhere and to my knowledge I don't have an active PayPal account. Clearly trying to deceive and gain access to my money. Pic attached.
Consumer complaint received 2021-03-19
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. (SC)

Experian is reporting the account with XXXX inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Experian to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Experian is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Total amount I disputed- approx XXXX $ Date ranges XXXX XXXX Bank of Americas Edd prepaid card services. I inquired with a representative over the phone if I could still file a claim that took place the previous year. The representative said yes and I was eligible to file a claim and submit it for review, I had already previously filed a claim but only one out of the multiple charges was approved at the time I filed it. Anticipating the results I was informed by Bank of America via written notice the 365 day federal regulation prevented them from completing the claim and its being denied. Why would the representative not have access to that information? I was relayed information that it would be investigated accordingly and it was still able to be processed
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have repeatedly request Transunion to correct the inaccurate address on my credit file. 
I have sent the required paperwork with a response received that I need to provide proof of my identity and current address which I previously provided. 

The address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX IS A INACCURATE address associated with me. I have never been at this address and further more this indicates this is a apartment and this is a residence.
Consumer complaint received 2021-03-17
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: FC HoldCo LLC (TX)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on this account because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts is listed below. 
XXXX XXXX Account # : XXXX XXXX XXXX : {$7800.00} Date Opened : XX/XX/2020
Consumer complaint received 2021-03-18
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXXXXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX, XXXX, XXXX, XXXX, XX/XX/2020 I requested CapitalOne Auto to add my monthly car payments to the back of the loan due to the coronavirus impacting my finances. They agreed and they still reported on my credit that I was delinquent and did not make a payment. 
I need to know how they are able to say they can add my car payment to the back of my loan and still report it as not paid. They have not answered my questions about this
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I paid XXXX to dispute the hard inquiries attached to my credit profile because it was incorrect. They stalled me out an then closed my case after I was billed, then they tried to bill me for something totally different an more expensive than my previous amount, which is wrong for a person like myself who was impacted hard by Covid-19. Me and my daughter were victims an quarantined for over a month before we regained our previous lifes back. I took it upon myself to contact XXXX for the same reasons an with there help they removed all the negative inquiries due to my complaint of inaccurate pulls of my credit an my Name was also apart of the Data breach that happened as well so they gave me full attention an complete transparency about fixing the problem because I was wronged.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

My mortgage servicer refused to send me paper statements which is my preference. Also I think in violation of the law ( Truth-in-Lending Act and the Periodic Statement Rule ) My mortgage servicer : Specialized Loan Servicing. 

I called and spoke to agents about this on XX/XX/21 ( XXXX ) and XX/XX/21 ( XXXX ). My complaint was " escalated '' but no one came on the line during the 15 minutes I waited.
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (OH)

I am reaching out because I had my credit recently pulled and I was informed I had a collectio with Allied business Services that I was unaware of. I reached out to the collection company and asked them for documentation regarding debt & after speaking with them, I was able to verify with the original medical provider that I had paid this debt already and thus, Allied Business Services is not only inaccurate reporting a collection on my credit but is trying to unlawfully collect on a debt that has already been paid.
Consumer complaint received 2021-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (DE)

I have disputed this account with the credit bureaus and PROFESSIONAL FINANCE COMPANY, and I have never received a single letter from them. This is a violation of the FDCPA and FCRA. I HAVE RIGHTS. I do not know who they are or why they are on my credit and they are required BY LAW to send me written notification of debt.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I obtained my written credit report from XXXX. On XX/XX/21 I sent them a Letter stating that under the fair credit reporting act, section 609 I was requesting further information on 8 negative entries including copies of the original contract or service agreement. They are now sending me dispute updates via email simply saying that the creditor had verified the information as accurate and they are refusing to supply me with these copies of the original contract or service agreement for any on the items and have not removed them from my report.
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (NY)

The three credit bureaus XXXX, XXXX, and Experian have been causing me extreme distress. Each of these companies have been reporting incorrect information on my credit report! This is really frustrating because I have sent them countless letters and to no avail they aren't even responding to my letters anymore. No explanations or anything, they have completely ignored me beyond the point of disgust. With each of these bureaus reporting different information on these accounts there is absolutely no way to prove who is right and who is wrong. Also this is against FCRA guidelines, per the FCRA each bureau must report identical Information to a credit report and neither credit bureau as adhering to FCRA rules. It is truly disturbing when you have these credit bureaus getting away with such injustices. If they continue to get away with it they will continue to do it. Please help in resolving my issues, thank you.
Consumer complaint received 2022-01-03
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)

The three credit bureaus TransUnion, XXXX, and XXXX have been causing me extreme distress. Each of these companies have been reporting incorrect information on my credit report! This is really frustrating because I have sent them countless letters and to no avail they aren't even responding to my letters anymore. No explanations or anything, they have completely ignored me beyond the point of disgust. With each of these bureaus reporting different information on these accounts there is absolutely no way to prove who is right and who is wrong. Also this is against FCRA guidelines, per the FCRA each bureau must report identical Information to a credit report and neither credit bureau as adhering to FCRA rules. It is truly disturbing when you have these credit bureaus getting away with such injustices. If they continue to get away with it they will continue to do it. Please help in resolving my issues, thank you.
Consumer complaint received 2021-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

On XX/XX/2021 a tree fell through my house a total loss. I have since decided to leave the house pay off the mortgage and donate the lot. On XX/XX/XXXX the insurance company mailed me the check for XXXX. I sent it and due to weather it did not make it to Carrington Mortgage in Texas until later XXXX. On the XXXX site it states the check made it on XX/XX/2021. On the Carrington mortgage website it states payment received of XXXX on XXXX XXXX. My payoff amount is XXXX. My file owner is XXXX who told me to expect my disbursement in 15 business days which puts them as currently late. They continue to call me asking me for payment on my late mortgage, and have reported me as late on all three credit reporting agencies. it shows on the website at Carrington mortgage as funds received but as XXXX credited for principal, interest, escrow or late fees. Every day I check and it never change it. I called my file owner yesterday she has not called back. I don't want to have to pay my mortgage I just want to close out this chapter of my life and move on. It is Carrington Mortgage and my loan number is XXXX
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

Refinance with Flagstar Bank local loan officer XXXX XXXX, XXXX. 
In XX/XX/XXXX, I submitted paperwork for biweekly mortgage payments with Flagstar and was approved. 
I called to check that biweekly indeed was starting and told 'all was well, ' Flagstar continued to take out both monthly full payments and biweekly payments thru XX/XX/XXXX. In XXXX they ceased biweekly, deducted monthly and never contacted me. In XXXX I noticed something amiss and when I asked they simply resubmitted biweekly payment requests. After unraveling the mistake I asked that the extra payments be applied towards principle in the months corresponding such as XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Although they did eventually apply money to principle I have no actual accounting proof of how it was applied. I only see 'reversed ' on the online bank statements. I have reached out multiple times to my local loan officer and have had one missed call in late XXXX from Flagstar ( before reversal. ) I have no private correspondence within the secure online account and no one will give me the name of a higher level supervisor within the accounting department. 
I simply want the interest deduction that would have been due to me had those extra payments been applied to principle when they were deducted in the early months of the year XXXX.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

The following incorrect information and changes on my credit report by TransUnion : 1 ) I noticed TransUnion reported that I was using {$9000.00} out of my {$10000.00} XXXX credit card which was incorrect, my actual credit card usage was under {$500.00}. This discrepancies downgraded my credit score. I reached out to TransUnion to inform them of the mistake, the representative would not provide a clear answer, I felt like he kept going in circles and talking fast in technical terms without ever trying to fix or solve the issue. 

XXXX ) A couple of days later they completely removed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account from the report, which then decreased my score by XXXX points. I did not ask for them to remove the card and was never told why they removed it. 

3 ) Additional to the XXXX point decrease, TransUnion has chipped away at my credit score XXXX points within the past 2 months stating I missed a credit card payment on my XXXX XXXX XXXX even though I have been paying my credit bills for over 40 straight months.
Consumer complaint received 2021-03-18
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. (CA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (AZ)

All cash withdrawals had to have my driver 's license and signatures. Two withdrawals had neither my license or signature. I'd gotten no where in disputing this. Ea transaction was for {$5000.00} ea and looks as if a teller took the money out without my authorization.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MN)

I was hanging out with my girlfriend and I check my account and there where XXXX checks XXXX and XXXX and I had no clue what they where. The XXXX XXXX got approved by the bank and the money was put into my account However the XXXX one didn't cause I called in and reported them. Then they did there thing and said it came up false and then the other one said I was fine and there was no charges to me and they resolved it. Then I had an old friend phone number after say they hacked my bank and the name was XXXX. I was super confused cause it was specific. I went to the branch and they said the same thing it was my fault or something cause of the XXXX {$1000.00} XXXX payments and that happened when THEY allowed a XXXX check that was fake go into my account. It was no longer pending and was a really check according to whoever looked at it. Then I seen it and it wasn't even my signature. So they let a check that wasn't my signature in and they still said they couldn't do anything and I had to pay for it all. This was weird because someone hacked into my account and put fraudulent checks that I called in about and sent money off after XXXX check got approved. Then I called in and reported all this and then they did nothing about there mess up.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

In XX/XX/XXXX I was laid off from my job and did not receive any unemployment assistance. I sh paid the mortgage for XX/XX/XXXX. Under their Covid deferment I was given three ( 3 ) not to make any payments. I was told these pay would be placed at the back of the loan. All I had to do was make payments from XX/XX/XXXX. I sent them payments and they sent them back. They want me to pay the three payments that were deferred plus the other payments and that was not the agreement.
Consumer complaint received 2021-03-18
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. (MI)

For over a year I have submitted dispute letters to Experian Credit Reporting Agency to verify and remove several incorrect items from my credit report. The items were never verified by my signature on any of the account in question. As a result my credit score has suffered and I have been denied credit, which added negative " Inquires '' to my credit profile. It has been a negative chain reaction as a result of the neglectful investigation policies of Experian.

It is my understanding that Experian uses a computer authentication process, which clearly has flaws and is again negatively affecting my score. The accounts and inquiries below should all be removed from my Experian report for failure to produce an adequate signature from the debt collector. 

XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX ( Never Late Company had a {$250.00} Deposit ) XXXX ( Inquiry ) Denied Credit XXXX XXXX ( Address Removal Have not Lived there in over 30 Years ) XXXX XXXX XXXX XXXX ( Add to Personal Statement section ; Owned for 24 years ) If Experian can make these corrections I will not seek legal recourse. 

Thank you XXXX XXXX XXXX