davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (GA)

Last year in the middle of XXXX my mortgage was sold to BSI Financial Services. At that time I was under a XXXX XXXX. In XX/XX/XXXX, the plan was extended for an additional 6 months. I was told at the time of the extension that I would need to apply for a home modification in XX/XX/XXXX, because it can be a lengthy process and in order to ensure that the loan did not show negatively on my credit report if I was unable to pay all of the rescheduled payments. Unfortunately for me, that was the last successful conversation that I have experienced regarding my Mortgage Loan. I started calling XX/XX/XXXX to initiate the start of my Home Modification paperwork ( Repayment Plan ). I left several messages between that time and XX/XX/XXXX on the voicemail of XXXX XXXX. This is unusual, because XXXX XXXX always seemed to return my calls in a descent amount of time, if not the same day. Eventually, I started to call in XXXX and requested to speak with someone else, because I was repeatedly told that XXXX XXXX was not available. I would get transferred every time to a different area or another number for the Loss Mitigation department. I have called nearly every week and sometimes a few times in those weeks. I continued to receive communication by mail stating that I was behind on my payments and that a payment would be due soon. I made my first payment in XXXX even without communication from the Loss and Mitigation department. As of today, XX/XX/XXXX that check has still not been cashed. For my XXXX payment I made a payment over the phone and it has been taken out of my account. Most recently, I received a letter in the mail stating that if I do not make the full payment in XX/XX/XXXX that my house would go into Foreclosure. I still have not spoken to anyone. About XXXX weeks ago, I spoke to XXXX XXXX. He stated that the person that was listed as my new contact person was unavailable and that he would email me and mail me a copy of the home modification application. The email that was sent did not work. The " Click Here '' link was a deadline link and would not allow me to move forward. Last week I received to copies of the application in the mail, along with the letter regarding a possible foreclosure. Since then, I have mailed the completed paperwork and necessary documentation for the process on yesterday, XX/XX/XXXX with a request to deliver with a signature and return receipt. This company has not been helpful nor easy to work with. I am not trying to lose my home or avoid payment. However, it is hard to continue a healthy relationship with a company who does not communicate with you or assist you with doing so. My mortgage has been sold several times since my initial purchase nearly 5 years ago, but this is by far the worse experience of all of those sales, Please help me with getting to a healthy resolution for myself and my family.
Consumer complaint received 2022-03-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

In XX/XX/XXXX I applied and was approved for a Mortgage Modification with Wells Fargo ( loan # XXXX, FHA case # XXXX XXXX ), a notary came to my house on XX/XX/XXXX and I signed all documentation with her and I expected my first payment to be ACH deducted on XX/XX/XXXX. After XXXX the money was not deducted from my account and I received a letter from XXXXXXXX XXXX stating that my loan had been sold to them and I owed all of the arears payment in full. I explained I had completed a mortgage modification with Wells Fargo and XXXX stated that they would be contacting Wells Fargo to get a signed copy of the modification. According to XXXX, Wells Fargo has not been responsive and now XXXXXXXX XXXX  has began foreclosure proceedings against me. I have tried to contact Wells Fargo multiple times with no help or response. I do want to lose my home and I was advised by HUD to verify that Wells Fargo filed the modification with HUD and to get help with this. I have a scheduled hearing date on XX/XX/XXXX. I have been working with a housing counselor to resolve this.
Consumer complaint received 2022-03-15
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: The CMI Group, Inc. (NV)

This account was identified on my credit. I agreed to pay the balance in full for the company to remove/delete the item from all credit bureaus. I was advised once the payment was made in full, I could go online and request the deletion after 30 days. I followed the process and the company has not removed the account from the credit bureaus XXXX and XXXX. The calls are recorded and should be referenced. I also have the letter that was mailed advising my account would be updated and removed.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AL)

On XX/XX/21 I made an ATM deposit at my local bank that I have an account through. This was a personal check totaling {$3100.00}. On XX/XX/21 the check showed AVAILABLE in my account ( not pending ) then about an hour later the positive amount disappeared from my transaction history and was replaced with a XXXX charge. The bank originally said the funds would be available later in the day on XX/XX/21. When they weren't available the bank stated that the funds were on a hold and would be available on XX/XX/21. The bank could not or would not explain where the transaction of XXXX came from or why it is pending in the account. On XX/XX/21 the positive addition of XXXX showed up, but the XXXX is still showing and again the supervisor avoided answering why this charge was on my account. The only description for this charge is " Standard '' there is no debit card or check linked to this charge. Now the bank is saying the funds won't be available until tomorrow XX/XX/21. 
I want an answer as to why they took XXXX and where that money is. This has caused {$800.00} in overdrafts in my account due to the mysterious charge.
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my XXXX the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.t report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have hard copies of paperwork to support the following. Bank of America still owes me {$100.00} and interest. The money has seemed to disappear but there is a paper trail. The checking account money has not been gaining any interest since XX/XX/XXXX because BOA placed a stop payment on check # XXXX from my Joint Checking Account owned by XXXX XXXX XXXX & XXXX XXXX XXXX Checking Account # XXXX XXXX XXXX. I believe they are mixing the joint checking funds with XXXX XXXX Funds Account # XXXX Estate of XXXX XXXX Here are the facts : There are no Bank of America branches open within driving distance of my address XXXX XXXX XXXX XXXXXXXX XXXX 

I had a joint Checking account with XXXX XXXX XXXX # XXXX XXXX XXXX With {$100.00}. 

My partner died on XX/XX/XXXX. On XX/XX/XXXX, I called and asked to close the account and send me the money. I still live at the same address as on the account. I received a check # XXXX in the mail with both XXXX XXXX XXXX 's name and my own. I was unable to deposit or cash the check. I received paperwork from the XXXX Department so I sent them the check back and requested them in writing to issue me one in only my name. After 3 calls to them, I learned they copied the check and placed it in XXXX XXXX File. XXXX. 

BOA also placed a stop payment on the check. I asked them in writing and over the phone to send me a new check with only my name ; XXXX XXXX XXXX it was a XXXX Account after all, so either one of us could rightfully withdraw the funds and cash the check. But a check with two names must have two endorsements to be cashed and XXXX was XXXX. I told the customer service people that my address is the same as listed on the account. To date I have not received a second check with my money. I have made numerous calls only to wait needless hours being switched back and forth between the checking account department, the XXXX Department. and the Official check 's Department. no one seems to take ownership of my problem and get it resolved. On my last call to BOA, The Checking account department customer service agent actually told me they could not issue a check from a closed account with a XXXX balance. So now my money is lost? 

Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-03-15
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. (AL)

Okay I sent in dispute letter to Transunion and I also sent in last year some ftc report stating that certain accounts wasnt mine they still chose to keep those accounts that wasnt my on my credit report so yes this is most definitely a problem they didnt investigate anything properly so I file a police report on one of the accounts that I stated wasnt mines after Transunion still kept it on my credit report when I politely ask them to remove it something need to be done about this ASAP please remove the fraudulent account from my credit report this account is XXXX XXXX XXXX balance on this account is {$520.00} please remove this or I will be taking legal action Thank you
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a request to investigate an inaccurate account on my credit profile on XX/XX/2022. It has now been 53 days since I sent my inquiry but I have yet to receive a response. My inaccurate records on my profile are stopping me from achieving my dreams.
Consumer complaint received 2022-03-15
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-15
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. (OK)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-15
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-08
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'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ACCOUNTS XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$27.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-18
Product: Credit reporting 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. (AL)

XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
Consumer complaint received 2022-03-15
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. (NC)

I had an account with XXXX XXXX Bank. In XXXX of XXXX I was late for a payment. At that time XXXX XXXX Bank reported the delinquency to the credit reporting agency. In XXXX of XXXX this same bank sold my account to another bank and no longer existed. In XXXX of XXXX Experian reported that this company reported me 30 days late. This company XXXX XXXX XXXX Bank ) no longer existed so this information was false, this company did not make that report it was reported 5 years earlier.

I made a complaint to Experian and they did show the company closed and transferred the account to another company but never put the points back on my credit score.
This type reporting is unfair and damaging when the late payment was already reported 5 years earlier, reducing my credit score at that time and should not be used to reduce my score repeatedly. 

Experian constantly pulls something out of their hat to cause my score to decline but never shows anything positive no matter what accomplishments are made, not to mention their use of XXXX, which is nothing but a false statement that does nothing to help customers scores.
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-15
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. (CA)

transunion file # XXXX On XX/XX/XXXX i sent my first request for investigation letter it was delivered XX/XX/XXXX. Transunion then responded that the accounts were verified. I then responded XX/XX/XXXX requesting for Transunion method of verification. Transunion then responded again that the accounts were verified without providing me with their method of verification. I sent another letter XX/XX/XXXX after receiving from Transunion again that the accounts showing them that the accounts were not properly verified due to all the inaccuracies. Transunion again sent a letter saying that it is still verified with no changes and still not provided their method of verification. I sent another letter disputing these error again showing how it is inaccurate XX/XX/XXXX.
Consumer complaint received 2022-12-20
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. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 2022-03-15
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. (FL)

The credit bureaus name is Experian The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The customer service department did not help remove the negative inquiries that are reporting on your credit report.
Consumer complaint received 2023-10-18
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. (TX)

I am resending my letters today to all the credit bureaus, to advise them of the inaccuracies that they kept on furnishing on my credit report. Once again, I am requesting these credit bureaus to kindly erase and pull-these invalid accounts out of my files immediately, as these are all incomplete and unverifiable to me. I have already stated everything on my letters.
Consumer complaint received 2022-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received an on line loan with ace in XXXX with payments set up on auto draft. I was able to make a few payments and had some difficulties and cancelled the auto draft. I can not access my loan any longer on their web site and someone is writing manual checks and still taking the payments out my account without my authority. I can not get them to stop and also i have no access to my loan anymore to view what is going on.
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (PA)

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my credBy the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.t report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.