davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2024 Consumer Financial Protection Bureau Dear Sir/Madam, I am writing to file a formal complaint against the three major credit bureaus, Transunion, XXXX, and XXXX, regarding an erroneous reporting on my credit report. Despite numerous attempts to rectify the situation directly with the credit bureaus, the inaccurate reporting persists, causing adverse effects on my ability to obtain purchasing power and violating my consumer rights. 

The erroneous information pertains to a debt allegedly owed to a Timeshare Company, which inaccurately reflects on my credit report under my name, XXXX XXXX. It is important to highlight that I have never engaged in any business transactions or agreements with any Timeshare Company under the mentioned name or any other.

Upon discovering this discrepancy, I promptly contacted the Timeshare Defense Attorneys, assuming they would rectify the matter. However, despite my efforts and repeated requests for validation of the debt, no action has been taken to correct the misinformation. Furthermore, the credit bureaus, namely Transunion, XXXX, and XXXX, have failed to update my credit report accordingly, leaving the erroneous entry intact. 

This inaccurate reporting is not only damaging to my financial reputation but also infringes upon my consumer rights. As a consumer, I have the right to accurate and verifiable information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). By allowing this erroneous entry to persist, the credit bureaus are in violation of the FCRA and failing to fulfill their obligation to ensure the accuracy of consumer credit reports. 

The adverse effects of this erroneous reporting are evident as it hampers my ability to obtain necessary purchase power, hindering my financial stability and well-being. I have taken all necessary steps to resolve this matter directly with the credit bureaus and the relevant parties, yet no progress has been made. 


Thank you for your attention to this matter. I look forward to a prompt resolution and appreciate your assistance in restoring the accuracy of my credit report.
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-12-14
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. (TX)

On this XXXX XXXX account I was advised because of the Pandemic when I contacted them in XX/XX/XXXX, they would remove the late payment in XXXX. Instead of removing it they left it and added fraudently late payment history for XXXX in which I never used the card this year at all because I was going through a XXXX process. The account is showing now XXXX  times past due which is incorrect and as a result of this incorrect information I was denied a XXXX loan applied for this year. This information was added after my closing because there would have been no way to close on my XXXX which this deliquent information on my report.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this account was charge off in XX/XX/2022, since then the account has been updated as a charge off every month. this is an update in the payment history. a charge off account should NOT include an active payment history. this inaccurate information Falsely manipulates the statute of limitations. failed investigation to this account properly and neglect has violated my rights. i am demanding a deletion of this account. 


ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc. (NJ)

XXXX, my credit card company, sent my bill to collections in XX/XX/XXXX. The charge off amount from XXXX was {$5400.00}, per XXXX. Client Services, the debt collector, stated the amount owed was {$5700.00}, letter dated XX/XX/XXXX. Not knowing really how much the debt was, i made payments to Client services on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all in the amount of {$50.00} per transaction. I was unable to make another payment until XXXX, XXXX. Client Services is now stating I still owe $ XXXXand that they have no record of receiving any of my first 5 payments. They also can not explain why the amount owed is more than what XXXX states I owe. I tried to resolve this with Client Services, with no resolution.
Consumer complaint received 2021-12-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (IN)

I started the application XX/XX/2021. The first time by myself, they said due to DTI, added fiance, all good. Straight refi, no cash out, reducing interest and removing my dad and adding fiance. They said I need to remove my dad and add my fianc to title to make closing easier, done within 2 weeks, they said we should close by end of XXXX, then moved it to first week, kept pushed back and back. I kept callinf asking for a real status, asking for a supervisor. Never got a call from a supervisor or a real reason for the push. Every week or other week I would be told all is good and they are just waiting on stuff on their end. They ended up waiting for my rate to expire, they sent me a new XXXX. I asked why are they charging me when the delay was not my fault and they told me they would honor my original XXXX, they then asked me to write a statement that they can repull my credit... again I asked for why the delay and requested reassured I would be honored my original.terms discussed, they sent me the original XXXX, again no one reached out to me we are at the end of XXXX begging of XXXX, by mid XXXX they send me the last XXXX, and they request all information again and they now said I need an appraisal, even though I did not 5 months ago. I sent an email again requesting to be assured that I am not charged nothing other than on our original terms since the delay was not our fault, and that includes the appraisal fees. 
By the end if the day they call me to tell me the loan is denied because my fiance 's credit is noe XXXX. 
I feel they were holding on the loan waiting for the interest to go up or to be able to charge me credit points. I see no other reason they sat on the loan for 5 months and no supervisor or Loan officer could call me. I am glad they claim to record all calls so you can listen, I have all the emails we complied as requested. I think this is a pattern to up their fees. 
Bank : Freedom.mortgage, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX Loan Originator XXXX XXXX XXXX XXXX XXXX : # XXXX I will forward emails when you request
Consumer complaint received 2021-12-14
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. (GA)

to whom it may concern the company reporting the wrong is experian credit reporting they have an account listed as paid/charge off and its keeping me from buying a home the account is with XXXX XXXX the account number is XXXX and the amount charge offed is {$93.00} in which XXXX XXXX says i do not owe any balance they say the account was opened in XXXX of 2010 everybody says i dont owe any money so my thing is why is it still reporting a negative item on my credit report i would like for the credit and said paid account to be removed immediately
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

This is an attempt to correct my EXPERIAN, XXXX, and XXXX personal credit report ( s ). I have identified fraudulent accounts and inquiries. Please remove and block listed accounts and  inquiries below : Accounts - NAME : XXXX ACCOUNT # : XXXX BALANCE : {$260.00} NAME : XXXX XXXX ACCOUNT # : XXXX BALANCE : {$9.00} NAME : XXXX. XXXX, XXXX ACCOUNT # : XXXX BALANCE : {$400.00} Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am requesting the listed accounts to be permanently removed and block from my credit report ( s ). These accounts and fraudulent, unverifiable, and violate my consumer rights.
Consumer complaint received 2021-12-14
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: ALLY FINANCIAL INC. (MI)

My name is XXXX XXXX XXXX and I had been laid off work and was also out for XXXX for ten days without pay. I called Ally Financial to see what type of help I could receive because at this point I was already a few weeks pass the due date. I talked to one of the customer representatives to see what kind of help was available. The Rep told me to just set up a payment online. I told the representative I would not be able to pay until the following Friday which would make be 30 days late if ensured me that as long as I made the payment arrangement before the 30 days they would not report it as being late. I asked was the call being recorded because I am in the middle of a loan for a house. I made the arrangement and the money was paid out XXXX XXXX. My loan officer informed me that I had a 30 day late on my credit report and I was no longer eligible for the loan. I would also lose the monies I paid for the home inspection and appraisal. I also would lose my earnest money deposit. I called Ally Financial and informed them of all of this and they said if that is what the representative said they would honor that and fix the error. Nothing has happened and I stand to lose everything I worked hard for to buy my home.
Consumer complaint received 2019-11-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (FL)

I have a business checking account at BB & T. On XX/XX/2019, I attempted to deposit a check into my account and I received a message stating that I was over my monthly mobile deposit limit. I was confused because it was the first of the month and I had not deposited any checks since the previous month. I called BB & T and they said that I couldnt deposit checks into business accounts via the mobile app even though I had done that before. 

I was instructed to open a personal account, into which I could deposit checks via the mobile app. I was told that if I opened the account online I would have immediate access, that I could link my personal and business accounts, and immediately be able to transfer money between them. 

On XX/XX/XXXX, I opened my personal account online. Though I successfully opened online, I did not have online access as I had been promised. Because I was traveling in an area where there were no BB & T branches, I could not go into a branch until XX/XX/2019. In the intervening time, my business account became overdrawn. I had the money in my personal account to bring it back into the black, but BB & T could not make the transfer until I went into a branch. During this time, I incurred an astonishing {$320.00} in overdraft fees in my business account because I had no way of transferring money between the two accounts. 

When I went into the branch, I met with XXXX XXXX in XXXX XXXX County, Florida. She investigated the accounts and told me she would link them and that I would have online access in XXXX hours. The online access still never material, I was not able to transfer money and I received an additional {$36.00} overdraft fee. This brought the total to {$360.00} in overdraft fees. 

I had only opened the second account on BB & Ts advice ; I could have had my customer send a bank wire directly into business account in the first week of XXXX to keep the account positive. My TOTAL deposits between the two accounts was always positive. 

I requested a refund and was told they would not refund any of the fees.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX Transunion and XXXX are missing generation identifier. These are inaccuracys XXXX reports status updated XX/XX/XXXX Transunion reports status updated XX/XX/XXXX. These are inaccuracys. 

No last payment date is reported on XXXX or Transunion. This is an inaccuracy. 

Transunion balance updated is XX/XX/XXXX. XXXX balance updated XX/XX/XXXX Transunion original balance is {$5400.00}. XXXX original balance is {$2000.00} XXXX and Transunion both have different account numbers
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

I closed a marital checking account, ending in XXXX, at Citizens Bank in XXXX over a decade ago. In the Fall of XXXX, my ex-husband failed to pay an overdraft on the account for 3 months, resulting in Citizens Bank 's wrongly reporting his delinquent payment to thee credit bureaus. Both of us contacted the bank together and spoke to their Operations Manager, XXXX XXXX. Now 3 months later, Citizens is just getting around to contacting XXXX, but my credit rating has still not reached its prior very excellent level. This three month delinquency has seriously impacted my credit rating at a time when I need my previously excellent credit. You can see that the attached letter is dated XX/XX/XXXX - fraudulently dated to appear as if they were in compliance with timely responsiveness - but the postmark on the envelope is XX/XX/XXXX and I finally received the letter XX/XX/XXXX.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (OH)

Discover Financial services advised me I would have to sign an IRS release for my tax returns in order to keep my account active & open, once I signed the release & before they got the information the locked my account & refused to allow purchases. When I called to find out why, they said it's locked until they get the information from the IRS. In my 20 years I've never had a credit card company ask for my tax returns for verification, I do believe Discover is targeting me because I filed another complaint against them for not apply my payments correctly.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once moreXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$20.00} ; XXXX 'S XXXX XXXX XXXX : {$450.00}.
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (ID)

XXXX servicing I sent a complaint about this mortgage company about removing my credit report from the credit reporting companies. This is the second time i tried to get a response from them but I think they are no longer in business so i think that is why i did not get a response to have them remove my credit report from the XXXX reporting credit companies. 
I had my mortgage sold to a different company with a XXXX balance owed there for i should fell my credit report from them should be removed please help me to figure out how to have this done thank you ....
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I was a resident at The XXXX XXXX  in XXXX, TX from XXXX XXXX of XXXX. When moving out of this complex, I was told that there were no charges that needed to be paid before moving out by the property manager. In XXXX of XXXX, I received an email from The XXXX XXXX  stating that I had a balance of {$690.00} that needed to be paid, which included false charges as in rent and late charges. I then proceeded to contact the apartments, but never got a response. I also contacted XXXX XXXX, which is the property group that owns The XXXX XXXX and I never got a response from them either. A couple months later in XXXX, I receive a notification from XXXX XXXX stating that there is a collection on my credit report for {$690.00} by ProCollect agency from The XXXX XXXX  ( XXXX XXXX ). I was not able to take care of this collection at the time because of a family loss. At the end of XXXX, I drove to the XXXX XXXX corporate office in XXXX and demanded to speak with a regional manager because of the collection taking a toll on my livelihood and after multiple attempts of contact with no response. Later that day, I received an email from XXXX XXXX, who is a regional manager for XXXX XXXX. In this email was a re-finalized statement with all charges dropped because of them being false. I have disputed the collection with all credit bureaus, including ( XXXX, XXXX, XXXX, ProCollect Agency, etc. ) and only XXXX has disputed this collection off of my credit report. I have tried countless times to remove this collection from my account and nothing is working. It has been months and I absolutely can not keep living with false charges on my account with no one wanting to help me.
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CT)

I was scammed into sending money via Chase XXXX for a rental property at XXXX XXXX XXXX XXXX, XXXX. I first saw the home listed on XXXX and contacted the listed owner, XXXX XXXX, who is in fact the owner on legal record of the home. Unfortunately, his identity and name was being used by criminals. After viewing the vacant property and agreeing to the rental terms, I was given a XXXX account to send two months security deposit and first months rent totaling {$7400.00}. One payment for {$5000.00} went through on XXXX/XXXXXXXX and another payment for {$2400.00} went through on XX/XX/XXXX. On the night of XX/XX/XXXX, while looking at the property again the listing was gone and a new listing appeared on XXXX with a much higher rental price and different contact person, XXXX XXXX. I contacted him and he told me that someone had stolen his fathers identity, XXXX XXXX, and hacked in to the actual listing, using all the data, photos and information about the property. I immediately contact the fraudulent scammer and asked for the money back and he replied, okay. Of course, the money was not returned, the phone number and email associated with XXXX was also fake. I contacted XXXX and Chase And they refused to even file a claim stating I willingly sent the money and they were not responsible.i contacted XXXX which is part of XXXX and they could not give me any information because it was a feed listing from a syndicated source. They did open a claim. I am a Chase Private Client and expected that Chase would protect the people who trust the bank and the services it provides especially when a client is a victim of internet fraud. XXXX XXXX has filed a complaint with the Village and Town of XXXXXXXX XXXX and I filed a complaint with the XXXX XXXX police where I am a resident.