davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
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. (GA)

I have disputed this account with XXXX, TransUnion and XXXX  and the account remains. 

XXXX is using fraudulent documents to verify accounts to these agencies and despite the account being paid in full XXXX nor the original creditor has EVER sent me anything in writing to validate the debt. 

XXXX has verified that the original creditor did NOT provide them with the correct information to contact me and that the original creditor only provided their own address. Even though the Original Creditor had my forwarding address and XXXX received my correct address with my previous complaint to the CFPB ( XXXX & XXXX ). 

The documents that XXXX supplied to the complaints above have a fraudulent lease, dated in XX/XX/XXXX with an electronic signature of my name, note the date in the attached document. I did not sign a lease in XX/XX/XXXX, I signed a leased generated in XX/XX/XXXX. The original documentation is not and has not been provided to XXXX nor is it available to the bureaus to verify this debt as it has NOT been produced so far. 

This debt was also paid in full and this fraudulent reporting method has caused me to lose credit opportunities and be denied.
Consumer complaint received 2020-03-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I started a refinance process in XX/XX/2019 and it has been a XXXX-show ever since. My mortgage company ( UWM ) along with XXXX Escrow is owned by a parent company XXXX XXXX. All 3 companies take weeks/ over a month to talk to/ update one another thru the process. 

The major problem started back in XX/XX/2019 when XXXX told its escrow company to not pay my property taxes that were due. This upheld my refi and of course, during the last 2 weeks of XXXX nobody is around to answers calls/ returns messages. 

Between all 3 of the afore mentioned companies along with my mortgage broker, I received delayed, incorrect, unupdated and harrassing payment information for me to maintain proper payments and therefore avoiding additional late fees and dings to my credit score. 

I have spent so many hours on the phone with all concerned parties/ companies over the last 6-7 months, I couldn't count it in minutes, hours or even days I think at this point. 

At the time of writing this, I have lost 3 hours alone TODAY.
Consumer complaint received 2021-12-02
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. (IL)

I want these account removed and deleted immediately. 


Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a Bum. my XXXX  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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (WA)

Due to lack of income due to covid-19 I need some help with mortgage payment options and want to talk through my options with Caliber home loans. 

I started calling Caliber Home Loans to inform them I could not pay the mortgage for XXXX in the middle of the month. I have called 5-6 times and the phone just disconnects. I have also sent messages through their message center on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they say they will reply in 5 days. I have not received any replies to date. 

I reached out to the mortgage broker who got me the loan on XX/XX/XXXX to ask for a better number and she didn't have one. I was finally able to pay XXXX mortgage yesterday, but I can't pay XXXX. And to be honest I didn't really have the money to pay but I am really concerned because they are not getting back to me. I do not want to loose my home. 

I don't mind waiting hours on hold or waiting days for a call back or reply because I understand everyone is struggling. But I can't get a response at all and forbearance ( which I just found on their site today ) seems scary, because I can't afford to pay back all of the payments at once at the end of 3 months if I am not making money. For example, if I miss just 1 payment in the 3-months I will owe that payment plus the current months payment {$7000.00}. 

As far as I see the only options I have is a 3-month forbearance which is not feasible or to loose my home for missing payment. 

I am investing a huge amount of money in this company. I just want a call back in a reasonable amount of time. I need someone to explain my options to me. It isn't my fault they aren't answering their phones and it took me a long time to find their forbearance page, which isn't a good option for me. 

I want a call back, I want my options explained and I want the late fee for XXXX waived.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have disputed this account with Equifax, XXXX  and XXXX  and the account remains. 

XXXX is using fraudulent documents to verify accounts to these agencies and despite the account being paid in full XXXX nor the original creditor has EVER sent me anything in writing to validate the debt. 

XXXX has verified that the original creditor did NOT provide them with the correct information to contact me and that the original creditor only provided their own address. Even though the Original Creditor had my forwarding address and XXXX received my correct address with my previous complaint to the CFPB ( XXXX & XXXX ). 

The documents that XXXX supplied to the complaints above have a fraudulent lease, dated in XX/XX/XXXX with an electronic signature of my name, note the date in the attached document. I did not sign a lease in XX/XX/XXXX, I signed a leased generated in XX/XX/XXXX. The original documentation is not and has not been provided to XXXX nor is it available to the bureaus to verify this debt as it has NOT been produced so far. 

This debt was also paid in full and this fraudulent reporting method has caused me to lose credit opportunities and be denied.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

My wife and I each have checking accounts with TD Bank. Since XX/XX/2022, we have been attempting to make various deposits into our accounts and TD Bank does not recognize them. These deposits have included teller deposits of checks ( which the bank lost and claims to have no record of receiving ), multiple wire accounts ( including wires from XXXX TD Bank account to our accounts ) and the bank claims not to have received them. In XXXX instance, we had the investment fund who wired the money to the account confirm that TD had accepted the wire, processed it and it was listed as " pending '' with TD. TD advised me that it has no record of having received this wire and I should take the issue up with the investment firm. The wire was sent XXXX month ago, and TD Bank has no record of it. In the meantime, TD Bank has charged me and my wife multiple overage fees and rejected debits because it has failed to list the deposits in our account as pending. There are currently over {$300000.00} in deposits that TD Bank is withholding from us. This has caused IMMENSE issues for me and my wife.
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX  In accordance with the Fair Credit Reporting act. The List of inquries above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I bought a Capital One credit card and they charge me {$17.00} to have my card shipped XXXX to XXXX business days on the XXXX of XXXX and I didn't get my card till the XXXX of XXXX and they still charged me {$17.00} that was clearly not XXXX to XXXX business days Capital One should be paying me my money back not robbing me then XXXX thieves!
Consumer complaint received 2020-03-31
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. (NY)

I sent both Transunion & XXXX  dispute challenge letters back in XX/XX/2020. Challenging the following account : XXXX  XXXX XXXX : This account still remains on my consumer credit report even though I have clearly identified multiple inaccuracies and violations to both Transunion and XXXX  of which is my right under the fair credit reporting act. 

As of today XX/XX/2020 XXXX  XXXX XXXX still remains on my credit report unchanged. 

: Still reporting inaccurate last date of activity a violation. 

: Reports account as update in XX/XX/2020 but still reports multiple inaccuracies a violation of FCRA rules. 

: Reports inaccurate balance or credit limit a violation. 

: Reporting continuous negative remarks after Account has been closed or charged-off. A violation.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

I been a Chevron/ Synchrony bank account holder since XXXX XXXX. In such a time I have made every payment on time and not once have I ever paid late or even overcharged the account. I think it's fair to mention that within such time there hasn't been much problem with the account.Needles to say, I tried using the account on XX/XX/XXXX and for reason unknown to me my purchase was declined. I contacted Synchrony bank and what I found was a lack professionalism and harassment. One that could even be interpreted as civil rights violations. Since in my perception the hold was placed on the account to get me to call and to torment me. Due to the fact that positive resolution is never offered. Instead I am mocked and harassed. For lack of a better word trained as an animal ( behavior modification ) in a detrimental way.Other wise as it has been done several times before, the account is closed and any intend to reopen it is denied.Such fact can be supported based on previous claims or complaints to this very website against synchrony bank and several of their retailers.
Consumer complaint received 2020-04-10
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. (AZ)

Settled an old collection account XXXX # XXXX through XXXX XXXX XXXX XXXX XXXX Acct number with XXXX is XXXX. All 3 of of my bureau reports still show a remaining balance of {$1200.00} and is getting reported as late every month. When i call XXXX  listed on the credit report at XXXX They tell me i need to call XXXX XXXX XXXX about this issue. When i call XXXX and XXXX they tell me this is a XXXX issue to call them. I am getting complete runaround. I need this information updated as settled in full and show XXXX  balance on my report and stop saying i am late every month. I have disputed this through all 3 reporting agencies 3 times and it never changes the outcome. I have the letter from XXXX XXXX XXXX account # XXXX and still the 3 credit reporting agencies don't change the information. Help is needed
Consumer complaint received 2020-04-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: City Enterprises, LLC (TN)

The company that I am having problems with is XXXX XXXX. Address XXXX XXXX XXXX XXXX TN XXXX. Phone number is XXXX Since I am out of work because of the Coronavirus I havent been able to make the payments. My Payments are due every two weeks and and I was told two weeks ago by a manager named Ms XXXX that if I made the current payment they would be able to help me with the payments going forward because of the virus. My mother made a payment for me. I had two miss calls from XXXX XXXX yesterday and every time I called back the phone would hang up. I called back today and talk to a representative that had to call me back and told me that her Manager told her that I would need to make another payment and they could extend the payments for 30 Days. That not what I was told, and Im not working because of the virus. Im not sure who else they are doing this too, but its not our fault that we are out of work. I have filed for unemployment and I havent received anything yet as I told the first manager. This is something that is happening world wide, they shouldnt be able to handle Business like this.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (SC)

MY ACCOUNT WITH BB & T HAS BEEN COMPROMISED BREACHED WHICH WAS NOT BROUGHT TO MY ATTENTION WITHIN KNOWLEDGE AND FULL UNDER STANDING OF THE XXXX WITHIN THE NAME AND OR COMPLANY POLICY- WITH SELLING ADN WELL AS RECCEIVING STOLEN PEROSN CUSTOMER INFOMATION WHICH COULD BE HARMFUL PHYSICALLY AS WELL AS FINANCIALLY TO MY PEROSN BODY AS WELL AS XXXX WITH ALLTHE GAMES BEHIND THIS CURRENT FRAUD THIS ORANIZATION BB & T TRUIST- SUN TRUST - FINANCIALLY ORGANIZATION NAME XXXX ACCOUTS FALLS UNDER - PLEASE INVESTIGTE ALL TRANSACTIONS- THERE YOU CAN CONFIRM WHAT FRAUD THE UNITED STATES BANK AND XXXXXXXX XXXX  HAVE GOING ON - HERE I LINKED MY ACCOUNT - HOWEVER I HAVE NOT HAD ACCESS TO SEND MONEY OR RECEIVE PAYMENT XXXX XXXX ONCE I REQUEST TO SEND MONEY I DID NOT HAVE THE ABILITY TO DO SO WITH ACTIVE MONLY IN MY ACCOUNT - THESE IS NO EXCEPTION AND OR EXCUSE- THEFERE I KNOW I FALL UNDER THE FEDERLA LAW VIOLATIONS FOR COMPENSATION THIS INSTITUTION BEING REPOSTED HAS AFFECTED ME XXXX AS WELL AS FINANCIALLY - EXTREME DURESS WITHIN MY XXXX
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

Equifax is reporting a bankruptcy on my credit report. I disputed this bankruptcy on XXXX XXXX. They removed this erroneous information on XXXX XXXX. Now they are reporting the same bankruptcy they removed in XXXX.
Consumer complaint received 2020-03-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CURO Intermediate Holdings (TX)

On XX/XX/20 Speedy Cash charged my checking account in the amount of {$2100.00}. 

I obtained a payday loan last year in the amount of $ 900ish dollars. I never paid it back or attempted to contact them which was a huge mistake on my part. 

The collection agency " XXXX XXXX '' stated I owed Speedy Cash {$1300.00} for the payday loan, and the interest accrued for non-payment resulted in the amount of {$2100.00}. 

I called Speedy Cash and XXXX XXXX to let them know I could not afford to pay the full amount they deducted from my checking account at this time, and requested for them to work with me but both parties refused. I requested a refund for the interest they charged me for non-payment, and even offered to make arrangements to pay the interest back but they refused. 

I did not agree with the amount of interest I owed them and asked for an explanation on how the interest accrued to close to {$800.00}. They stated it was in the contract I signed. I explained to them I didn't have the contract, and requested for them to explain it to me but they stated they didn't have the contract in front of them. They indicated I would need to submit a written request for the contract by mail or fax, and they would fax or mail but it would take some time. 

Please, help me resolve this issue.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/20 I went to purchase a car at XXXX XXXX in XXXX XXXX, Fl. Upon running my credit report with XXXX and they came back with a XXXX XXXX of XXXX. Yet my score with XXXX was XXXX on XX/XX/20 and changed to XXXX on XX/XX/20, day after purchase of car. 

The difference between their XXXX and XXXX 's XXXX is over XXXX points. This caused me to pay a much higher interest rate. The XXXX XXXXr did something wrong or something funny went on. 

Pleas let me know if you can help me recoup the difference I have been paying in interest.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc (MA)

On XX/XX/2020 I started to sell  on XXXX in doing so I had started a PayPal account to receive my funds. PayPal ended up putting all funds on hold until I submitted some information and my ID so I gave them all documents required and they still had my funds on hold after all documents had been reviewed and satisfied. After endless conversations with customer service and them telling me it would be released within 24-72 hours when that did not happen I talk to customer service and they told me because of a old unresolved account my funds are on hold until it is resolved. I then call the number they gave me and it was PayPal collections and the man on the phone told me over a year ago on a previous account funds that had been sent to me had been charged back due to the sender claiming he never sent the funds which is a total lie. I did XXXX XXXX and he would send my pay through PayPal so I said how come I was not notified and he said they sent a email I regards to it well I obviously never got this email I said why did you not send a letter or call me. He had no answer and now are holding {$1600.00} of mine in my PayPal buiesness account and will not release my funds until I pay {$1100.00} on something I have no knowledge on and do not owe PayPal any money. I will end up suing them if I do not receive my funds this is and was my only source of income I need you to please help me get what belongs to me please.
Consumer complaint received 2024-03-18
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. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXXccount Number : XXXX, and so on.