davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-08
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. (IL)

On or about XX/XX/2019 I notified : Transunion, XXXX, and XXXX  about fraudulent unauthorized accounts on my account via a dispute. Transunion and XXXX  did fix some of the errors. However, XXXX  did not remove any of the errors on my report. I went on to submit a second round of request in XX/XX/2019. Again, Transunion acknowledged the errors and removed some of the unauthorized accounts. However, XXXX  did not take any actions and all of the unauthorized accounts remained on my report. In XX/XX/2019 I disputed the information under the 609 FCRA act. The bureaus did not accurately identify the information on my report. In not verifying the information on my report, the bureaus : XX/XX/XXXX, Transunion, and XX/XX/XXXXleft the inaccurate information on my reports. In regards to the dispute, one creditor went as far as to send me a bill as verification. The bureaus took the document as validation. As I understand, bills do not validate that the account is mine. They only verify that an account was in fact opened in my name. However, they were not opened by me.
Consumer complaint received 2020-01-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIRST HORIZON BANK (PA)

I did a short sale on my house. I was due to pay {$15000.00} over 8 years ( beginning in XXXX of XXXX ) the additional debt owed on my mortgage {$35000.00} would be charged off and I would need to submit a 1099-c to IRS for the remaining balance of {$20000.00}. I have a document stating this that is signed as part of my short sale process. XXXX XXXX is claiming that they are collecting the entire balance of {$35000.00}. Also, I have asked repeatedly for a document that shows my payments and the remaining balance on the debt. They have have given me a doc once of the payments that I have made, that doc was given to me XX/XX/XXXX, they have refused to give me the remaining balance.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX reported XXXX increase in my home loan which is totally current with the next payment due on XXXX XXXX, 2022. Since they use Transunion as their main credit bureau this amount reported is incorrect. 

Actual current loan balance : {$150000.00} ( shown by XXXX ' on line ) Amount shown in Transunion : {$160000.00} This has caused the Bank XXXX XXXXXXXX XXXX to cause my FICO to go down XXXX points XXXX  only reduced my FICO by XXXX points, which is the correct amount due to XXXX 's miscalculation ( XXXX ) XXXX has created this problem by reporting an unknown balance for my home loan to Transunion. XXXX is prone to mistakes as you can see by my previous complaints to you, which you resolved for me. I am tired of XXXX 's mistakes which you can not report and or correct by contacting them since no human ever answers a phone call and messages sent to them go unanswered.
Consumer complaint received 2022-12-26
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. (OH)

The debt collection agency XXXX XXXX XXXX XXXX XXXX has sent letters recognizing the fraud that was committed and has promised to remove the account # XXXX from my credit reports. However Equifax is the only credit reporting agency that has not complied. 

This is greatly affecting my credit score and ability to receive approvals.
Consumer complaint received 2020-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MD)

I have acquired student loans through XXXX ( XXXX ) and XXXX XXXX school ( XXXX ) education. I have had multiple loan servicers including XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX and now most recently FedLoans. I am currently in the PSLF program and have requested multiple times for over 2 years a count of my qualifying payments. Both of my employers through my residency program and XXXX XXXX XXXX are qualifying employers, but these 7 years worth of payments have not been counted appropriately. My payment plans have included IDR/IBR. It appears that with the changing of loan servicers my account had been put on multiple forbearance holds from XXXX, including administrative holds, to which I was unaware. This has negatively impacted my credit report and credit score as well.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CT)

To whom this concerns : We went through XXXX XXXX to order our kitchen cabinets, sinks, livingroom cabinets, laundry room cabinets and sink, 5 toilets, vanities and many of the items needed for our home build. I am very disappointed with the service and follow up nearing the end of the installation process.

For our kitchen, many of the items ordered were the wrong sizes, came damaged and when we called to see the estimated time-line we could not get ahold of anyone at the XXXX XXXX XXXX XXXX Even though we purchased our XXXX farmhouse sinks from XXXX at XXXX, the wrong sink cabinets were ordered delaying our kitchen install by a month and a half. The same happened for our filler and panels, many of the items ordered were incorrect colors, sizes, were never ordered or never arrived ( even to this day ). 
We started the entire kitchen process back in XX/XX/2022, and have yet to finish the kitchen, Laundry-room and living room bookshelves. 
We provided XXXX XXXX all the specs of our appliances that were purchased over a year ago, yet the wrong refrigerator framing was ordered. We are still awaiting the correct framing, although no one knows if it's actually been ordered. We spoke with XXXX at the XXXX store and he could not give us any information ; we called the installation number and the representative said there were no outstanding orders. 

Also, we ordered a spice rack and it is missing, and there isn't a cabinet to fit it. We have a cutting board with no where to put it, and the wrong silverware organizer ( too small for all the drawers ). The wrong items -- the wrong sizes. 
I am very upset with the handling of my complaint. We still have the wrong items, and no tracking number for the fridge frame. Our kitchen looks horrible and we are hosting for XXXX. This is outrageous and egregious customer service. 
Again, we are very disappointed with the service given us, especially since we have spent so much money at XXXX for our home build. It is very difficult getting any resolution in a timely manner and we are exhausted calling and visiting the store for answers. 
Our typical hold times are XXXX hours and when we go in person most of the management is away or in meetings for an hour+. 

We have a garage full of wrong items that we are being charged for on our XXXX card. We asked for itemization and for these items to be removed and customer service is not calling us back or providing this information. 

We are seeking immediate attention to our kitchen project and a speedy resolution to these outstanding issues mentioned above. We also want the wrong items to be removed from our bill. If they can not do this we need a reduction of the charges as we will have to hire a private XXXX to finish the job and provide the right materials. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (GA)

XXXX XXXX XXXX XXXX XXXX Company has violated my rights to privacy as stated in 15 U.S.C 1681 section 602 A. States I have the right to privacy. Please provide the letter that I wrote giving you permission to furnish my account information as stated in 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and nonverbal per 15 usc 6802.

I Opt out with 15 usc 6802, 15 usc 6805 and the privacy act of 1974 and 16 cfr 313.7 I SENT THE COMPANY A CEASE AND DESIST
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation (SC)

On XXXXXXXX XXXX, XX/XX/2023, I received 3 emails from Albert. One saying to verify my email address. Another one said they will be charging me {$140.00} per year and a third with information ( banking account and routing number ) that was created automatically for direct deposit. 
I did not create this account. This is fraud. I reached out to the bank but I can not reach a person because everything is automated or you need the Albert App. I have emailed them and texted them to close the account but I have not had any luck. It has been 6+ hours of waiting.
Consumer complaint received 2020-01-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

My name is XXXX XXXX XXXX and my wife 's name is XXXX XXXX. On XX/XX/2019, we applied for a refinance with Lakeview Loan ServicingXXXX XXXX XXXX, on our existing mortgage with XXXX XXXX XXXX XX/XX/XXXX. The amount of the loan applied for was originally for {$320000.00}. The process took 4 months for us to get Final Approval and the Loan Processor even asked us on when we want to close. I have sent emails and made telephone calls since, as to the status of the closing. The answer I was given was that there needs to be some updates made. Today, XX/XX/XXXX, after demanding for an explanation and answer on what's holding up the closing, I was told that we can not go forward with the closing because of how the loan was structured. I can't understand why we were told that the loan has been approved and ready to close as early as XX/XX/2019. My complaint is that why we were made to understand that the loan will close when in fact, there were some issues that need to be addressed that we were not aware of. I will forward the stream of emails between XXXX XXXX XXXX ( on behalf of Lakeview Loan Servicing ) and ourselves. The persons that I had communications with are : XXXX XXXX XXXX at Lakeview Loan Servicing, and XXXX XXXX at : Lakeview Loan Servicing. I hope this will merit your kind attention. Respectfully yours, XXXX XXXX XXXX
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2022, my identity protection service notified me that there had been a credit inquiry from Capital One where I do not have an account and never applied for a credit card. I called Capital One to inform them of this. 

On XX/XX/2022, I received a Capital One Credit Card in the mail. This was not a credit card offer but a genuine card with directions to call for activation. I called Capital One again that same day and after being redirected a number of times, I was finally put in contact with their fraud department and was told that they would do an investigation. I have not heard back from them.
Consumer complaint received 2022-12-13
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: CarMax, Inc. (CA)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

not sure how cybercrimes are handled but it's out of my paid grade but FTC and police reports satisfy my claims so if wells Fargo and XXXX XXXX knows more then them why haven't they caught the individuals or individual maybe Wells Fargo bank should read the laws on FDIC and insurANCE AND XXXX XXXX UNDERSTAND ON CREDIT LAWS THAT I HAVE SATISFY THE CLAIM BY LAW
Consumer complaint received 2020-01-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (WA)

Problem : 3 ( Three ) Hard Inquires across my XXXX and XXXX from one single personal loan application during the in-person visit to a XXXX, WA branch of Wells Fargo. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XX/XX/XXXX, I applied for a personal loan with Wells Fargo at XXXX XXXX XXXX XXXX. The customer rep. and the branch manager were extremely helpful and walked me through every step of the process. We submitted the application, which hit a Freeze on my XXXX record. Before unfreezing the record, my husband and I clarified with the branch team how many inquiries will be put in total on my credit report. Again, the branch team was extremely helpful. They called on the phone the credit department, where they received assurances that only a single Hard Inquiry will be placed on my account since the previous one hit a Freeze and thereby did not go on record. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Today, I checked my account and I see not 1, not 2, but 3 Hard Inquiries from Wells Fargo : 1 ) One Inquiry dated XX/XX/XXXX on my XXXX  Wells Fargo-pl & I 2 ) One Inquiry dated XX/XX/XXXX on my XXXX Wells Fargo-pl & I 3 ) One Inquiry dated XX/XX/XXXX on my XXXX ( WF PII ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- My application reference # : XXXX
Consumer complaint received 2022-04-21
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)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-06
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: EQUIFAX, INC. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-01-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MI)

Never served me with a summons claim I would not sign, got several judgements because they did this many times and it went from a few XXXX to XXXX on a lie, has been investigated by XXXX  and found they were fraudulent and untrue, close their case, but Midland LLC will not stop and keep on with the and over 1000 of robocalls, I know because I know the robo caller
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

Us Dept of Education is reporting an collection to my credit report. However I should have no collections with them as my accounts were in forbearance. This is in violation and there should not be a collection on my credit report.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been getting denied from a lot of rental properties. The items on my credit report are fraud. I have been trying to remove them,, but I can't. I have no eviction no judgment on my credit report and plus I make 3 times the amount of rent and my application are still getting denied because of my credit score. I have tried to dispute the items but they will not delete off my credit.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (SC)

On XX/XX/2020 I I attempted to make a payment arrangement with XXXX XXXX  XXXX XXXX / Comeity Bank. This was on the internet as well as over the phone. I asked the company to close my account and set up payment arrangements due to high fees and the companies removal of available credit resulting in the account appearing over the limit or maxed out. The company refused. The total due on the account currently is {$1200.00} and much of the balance is due to fees brought about by the removal of available credit.
Consumer complaint received 2020-01-01
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: JPMORGAN CHASE & CO. (AL)

Chase Bank is reporting a credit card on my credit report that I never applied for. The account is said to have been opened in XX/XX/2018 and the address is listed as XXXX XXXX XXXX XXXX XXXX, OK 1. I have never lived there. 

2. This is a commercial address so obviously there is no way I could have lived there anyway.
Consumer complaint received 2020-06-09
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. (GA)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
Consumer complaint received 2020-01-08
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HUNTINGTON NATIONAL BANK, THE (MI)

In XXXX of XXXX, I fell behind one month in paying my mortgage. I called Huntington Bank in XX/XX/XXXX to see what my options were and I was offered a " hardship '' solution where the mortgage company would split the missed payment and add it to my subsequent 6 payments and no late fee would be assessed. I was told that the payments would be reported to the credit bureau 's accordingly ( not fully knowing what this meant ). I accepted the payment arrangement and made the payments that included the current months payment and a portion of the missed payment under the assumption that the payments would be reported as current for the month it was submitted. 

In XX/XX/XXXX, I wanted to start the process for refinancing the house and pulled my credit report. Huntington Bank reported the months I was in the payment plan as " late '', negatively impacting my credit reports. I filed a complaint with the bank, requesting a copy of the terms of the payment plan as to where I agreed to the adverse affects of the " hardship '' program and that the payments be updated to " current '' for the months that were submitted on time. 

On XX/XX/XXXX, Huntington completed its investigation and concluded that they do not have a terms agreement to share with customers that spells out the consequences of the hardship programs that they agree to, they deliberately DO NOT inform customers of the true negative reporting to the credit bureaus, and they will not be updating my credit report. The agent did think that it would be a great idea to provide a copy of the terms to customers as they enter these payment plans. 

I believe this practice to be absolutely misleading and dishonest by the lender, thus violating the Truth and Fair Lending and The Fair Credit Reporting Act. This practice is extremely harmful to the borrower as late payments are especially harmful to their credit profile, costing them more in interest rates as well as flat out denials. Also, although Huntington believes themselves to not be discriminatory, this practice is heavily inequitable to poor and lower-middle class families as poor credit history negatively affects their financial wellness than higher income families. By withholding pertinent information, especially the fact that they will report your account as late for however long you are in the " hardship '' program, they are causing more harm than help to the people who need the assistance the most. I am totally appalled that Huntington Bank, and any other financial institution, thinks these types of practices helps their customer. I will be refinancing with another institution and discouraging others from banking with Huntington Bank.