davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-17
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. (VA)

I filed a XXXX complaint against XXXX in XXXX for reporting my account 30 days past due in XXXX. I have tried to obtain copies of the complaints but could not access them online so I will need to call them. I made a payment through the XXXX app towards my account, after several days of not seeing this money come out I decided to call to ensure they received the funds. I was told by the representative at that time that he's never seen anything like this before and that the money was not received, he then advised that if the funds were received the date I made the payment then the account would not have gone into past due. There is a screenshot attached of the payment confirmation. My bank XXXX XXXX says that there could not have been an issue with the routing/account number entered on my end if there was they said it should have declined payment right away and not given a confirmation plus had successfully gone through in the past using the same payment method. I decided to pay off and close the account right away due to the high risk associated with keeping this account open. My account was paid on time every single month while holding an account through them, I have been a XXXX XXXX account holder their processor and have an excellent credit history with them. Its unclear what went wrong here but it was certainly not on my accord. I figured filing the XXXX complaints this was resolved since XXXX is showing the account as paid satisfactorily and does not indicate the account was 30 days late, it did previously ( see attached ). Transunion is showing this account still 30 days late in XXXX, I have disputed this twice with them the second time indicating that XXXX is showing the correct information.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

around XXXX Suntrust bank closed my account. they refused to tell me why. they have given me the runaround for months. there was XXXX dollars in the account at closure. further more my stimuls check has been sent to the same account. suntrust took the stimulus money without sending notice back that the account had been closed. in total suntrust owe me XXXX dollars.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (MA)

I received an email on XX/XX/XXXX from US bank stating that they had received my application for a US Bank shopper cash rewards visa signature card which I never applied for. That same day I received an email from my bank that there had been an inquiry into my credit report. I called US Bank the following day to report this and was told that the specific department I needed wasnt open and to call back. I called back on XX/XX/XXXX and was told that the application would be cancelled and my credit would be restored. Today, XX/XX/XXXX, I received the credit card, which I was told was cancelled. I called US Bank and the first person I spoke to said that the account was under investigation but not cancelled. She escalated me to a supervisor XXXX who assured me that it was cancelled and that I should be receiving a letter confirming this. I have spent hours of time dealing with this and my credit score has suffered. I still do not have written confirmation that this has been settled and I get a different answer from everyone I speak to at US Bank.
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (WV)

I am a XXXX female XXXX veteran. I acquired my illness during an injury in XXXX. We moved to be closer to family and needed cell phones for emergencies. I am only XXXX and have had XXXX. The local XXXX office stated outstanding coverage in our rural area. At first, my phone didnt even work. Returned it only to find that there was no coverage where we live and my teens, husband and I had no way to reach emergency services, or keep communication with my physicians. 

Local office took an additional {$400.00}, we returned phones and it was supposed to be done. This was in 2007. Instead, it pops up for over two grand on my credit reports. 

I need to move closer to medical facilities to prolong my life. Instead, XXXX through the XXXX ( XXXX was sold years ago ) thanked me for my service despite knowing this information and refused to remove it. The first call was from XXXX XXXX stating it was wrong and they would fix it. Weeks later, she called to say she talked to the parent company who said they wouldnt remove it. She would not give me the contact info for this person. 

It is wrong, greedy and keeping me from seeing my youngest graduate high school. Please help me.
Consumer complaint received 2024-02-22
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. (NV)

Inaccurate inquiries on all my credit report : XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (IN)

On XX/XX/2022 I was fraudulently charged extra fees without being explained to what the charge was for. As well as a fraudulent {$1000.00} dollar down payment, a {$1400.00} dollar XXXX XXXX fee, a {$96.00} dollar roadside Assistance fee, and a list of other fraudulent fees adding up to {$640.00} dollars. And the vehicle interest rate to jump to 23.01 % that was not mentioned or explained to me. Resulting in the vehicle purchase price going from {$12000.00} dollars to {$33000.00} dollars.
Consumer complaint received 2022-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (TX)

I reported a fraud transaction on my Zelle account. I reported it to Zelle and my XXXX XXXX and my funds were refunded. After that incident, Zelle, without notice, suspended MY Zelle account. I called numerous times, sent emails to Customer Service and Corp Office and no one can tell me what policy I violated. I have perfect credit, money in my accounts and rarely even use Zelle. Zelle will not disclose why I have been permanently suspended. Zelle acct XXXX
Consumer complaint received 2020-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX has been reporting on TransUnion report. Ive never done any business with this company. I don't know this company. They don't even have a working number for direct disputes. I've never given this company my information. this is XXXX.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NE)

In the month of XXXX, I requested a forbearance of my mortgage payments due to increased expenses during COVID19. I was told that when I was ready to start my payments again, I could either pay the missed payments in one lump-sum, spread the missed payments over the life of the loan, or move the missed payments to the end of the loan. Additionally, I was advised that there would be no negative repercussions to any of the above options. 

Since then, my wife and I have found a new home that we would like to buy. I was advised that I needed to take my account out of forbearance in order to get a new loan. I made this request last week. 

As of today that process is nearly complete. However, what I have now been told is that I need to make 3 months of payments in order to qualify for a new loan. This was NEVER shared with me at any point of the forbearance process, nor was it shared with me prior to making the decision to move the payments to the back of the loan ( after the fact, I was told that had I made the back payments, as opposed to moving to the end of the loan, Wells would have written the new mortgage right away ). I am told that this is not a Wells Fargo rule, it is a XXXX  rule. 

I spent several hours on the phone with them this morning trying to unwind the movement of the payments to the end of the loan and make it so I can pay the back payments in a lump-sum in order to get a loan. 

The only response that I have gotten so far is that it is not likely to do that and I will have to wait to get the new mortgage, which will cause us to lose the earnest check as well as the ability to buy this property.
Consumer complaint received 2020-06-16
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. (GA)

On XX/XX/2020 the company responded to my existing complaint submitted on this site and clearly stated The agent was able to set the customer up on a monthly payment plan to begin on XX/XX/2020. Unfortunately, the agent did not properly set up the payment plan nor remove the ACH block on the account. This caused the customers first two payments to return and not process successfully. I have screenshots to show that this company is still reporting my payments to my credit report as past due for all my current payments for the month of XXXX, XXXX, XXXX, XXXX and most likely XXXX. This error done by XXXX agent has occurred more than once and is harming my credit report with inaccurate information. My account is not in collection nor past due as I am current in my account as have been current.
Consumer complaint received 2020-08-17
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. (KY)

I received a letter from the creditor, XXXX XXXXXXXX XXXX, stating that " I did not indicate in my correspondence what specific information I was disputing or requesting to verify ''. This request came from all 3 credit bureaus because I sent the same letter to all. As one can see from the bank response, they are unable to  verify/validate the requested information. 

I initially disputed this information on or a/bout XX/XX/20. A subsequent method of verification letter went out on r about XX/XX/20. Today, XX/XX/20, i received a letter in the mail stating the aforementioned. According to my rights under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) The creditor nor the credit reporting bureau have responded in a timely fashion, or supplied the requested information. For that reason, I want this erroneous account removed permanently from credit report and an updated credit report sent to me from each bureau.
Consumer complaint received 2020-08-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

I received a 5 year old medical bill that I have never once heard of before XX/XX/XXXX, and was from a different state and they immediately report the charge to my credit even though I called and made arrangements with them to pay only 5 days after the letter was written. I am in the middle of my home buying process and this company shows up, demands money or they will ruin my credit, so i have no other choice to believe them so i can continue my life with buying my home in 2 weeks. TWO DAYS AFTER I PAY THIS FAKE BILL THEY STILL REPORTED THAT I DID NOT PAY ON MY CREDIT AND MY CREDIT DROPS 20 POINTS!!!!!!! Me, my husband and our XXXX XXXX XXXX son are now out of the home buying process and the house we put a offer in for because they made a 5 year old mistake! When i spoke with the woman there she seriously told me i had no other option - she couldn't even tell me what the bill was for. So at the time my hands were completely tied .She told me I couldn't call the doctor that apparently this bill was from and she haD nothing more for me. Then they still reported it even though I paid!! This is insane that a company/doc ( whoever I dont care ) can come after you 5 years later for a bill you've never seen ( so therefore also couldn't get insurance to pay for it since I was unaware of it ) and say you have to pay with zero information.
Consumer complaint received 2020-08-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC (NJ)

The agency is attempting to collect a debt incorrect. The amount shown is not reflective of my insurance, which was provided to the original medical agency. I have attempted to resolve this matter with the company, as well as the collection agency. Attached is a copy of my insurance card, which was active at the time of service, and provided to the medical agency.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I have spoken with numerous representatives of EQUIFAX repeatedly regarding deletion of an unauthorized inquiry from my credit file with them to no avail. Specifically, on XX/XX/2020 XXXXXXXX XXXX   inquired into my EQUIFAX file without my knowledge nor approval and I wish it deleted ASAP!
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (OK)

We started the process of attempting to refinance our home back towards the end of XXXX may be the beginning of XXXX. We have been in communication with Navy Federal Credit Union about our refinance throughout the whole entire process, I have called in numerous occasions we had a loan processor by the name of XXXX XXXX who was working on our file at the very beginning, for over 4 months we never heard anything from Navy Federal Credit Union. We have had friends go through the process of getting their home to refinance since mortgage rates have dropped and closed within 2 months. However, our file is still in process. I have sent numerous emails to XXXX XXXX and made numerous phone calls into the company to get a status update. Then what is worst is that I would get a dialer systems customer rep to call me to tell me that our loan is still in process. But why in the world is this taking soooo long to process? Obviously, interest rates are down and we understand that the company may be busy with the processing but all documents have been submitted and to get emails from this representative asking and requesting for duplicate information and then to have our credit pulled numerous times just to qualify seems to be unreasonable. Even when I call in to speak with a supervisor in processing NO ONE is able to take my call, nor is anyone available. 

My file has now been transferred to another representative who had to re-pull credit and now is not able to be reached so that we can try to continue this process. We have been at this process for over 5 months and this is not acceptable. The new representative has now quoted us a much higher interest rate ( when interest rates are steadily on the decline ). The interest rate we were approved for was at 3.625 % now we are being quoted much higher than this. We are still waiting on Navy Federal to contact us so that we can take advantage of the lower rates, but no one is able to answer questions about the process and tell me why the rates are going up when all over the news and the internet I see rates going down.
Consumer complaint received 2020-08-17
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. (ID)

When checking my FICO credit score I found a drop in my credit. When viewing the reason as to why it dropped, it stated a " seriously delinquent '' account reported by Experian. However, when all credit reports were gathered, all accounts were current and paid as agreed without delinquency. When contacting Experian and speaking to a customer service rep, she stated that there was a mistake but that is would have to be elevated to someone else to fix. I have not heard back from them and when I call there is an automated phone directory that never reaches a representative or has a dedicated line to resolve issues that I have. 

Agency : Experian Original contact : XX/XX/2020 Spoke with customer Service : XX/XX/2020 Case Number : XXXX Follow up call:XX/XX/2020 - No response, went through automated phone directory with no resolution. 
Follow up call : XX/XX/2020 - No response, went through automated phone directory with no resolution. 

There is still a reported " Serious Delinquency '' on XX/XX/2020 while current credit reports for XX/XX/2020 state " all accounts paid as agreed ''. 

Thank you
Consumer complaint received 2023-04-08
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 writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, SC XXXX phone number ( XXXX ) XXXX. 
XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX TX XXXX phone number ( XXXX ) XXXX. 
XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone number XXXX. 
XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX phone number XXXX. 
XXXX XXXXXXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX phone number ( XXXX ) XXXX, has violated my rights. 
15 U.S.C 1681 section 602A states i have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnished a account without my written instructions.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent a certified letter to Equifax ; along with a data breach document regarding my personal information along with others were compromised from my previous school I attended and asked them to remove the following inquiries below : XXXX XXXX XXXX XXXX XXXX dated XX/XX/2020 XXXX XXXX XXXX XXXX dated XX/XX/2020 XXXX XXXX dated XX/XX/2020 XXXX XXXX XXXX dated XX/XX/2020 XXXX XXXX XXXX dated XX/XX/2020. XXXX XXXX XXXX dated XX/XX/2020 I advised Equifax to provide me with following information below to in fact confirm these inquires. In which they did not provide in the letter the mailed to me dated XX/XX/2020. 

1. Name and title of person who pulled my credit. 
2. Date they purport I gave permission. 
3. Method they purport I gave them permission. Please include documentation of said permission By law I have the right to request verification of any inquiries and if the creditor can not provide the inquiries need to be removed immediately.
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (FL)

THESE ACCOUNTS LISTED WERE OPEN FRAUDULENTLY THEY DO NOT BELONG TO ME SOMEONE STOL MT INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-17
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: EQUIFAX, INC. (FL)

THESE ACCOUNTS LISTED WERE OPEN FRAUDULENTLY THEY DO NOT BELONG TO ME SOMEONE STOL MT INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.