davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In Accordance with the Fair Credit Reporting Act XXXX XXXX Has violated my rights 15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2. It also States a Consumer Reporting Agency Can not Furnish a Account with my written instructions.
Consumer complaint received 2020-07-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

My wife and I applied to refinance our existing mortgage with Wells Fargo on XX/XX/XXXX. I met with a WF mortgage consultant for over 2 hours and provided all of the required documentation. I paid {$640.00} at that time for the appraisal and a credit check. 

I provided follow up information as requested immediately. It was an arduous process and the consultant assured me there would not be a problem considering my excellent credit rating and longtime relationship as a WF customer. 

The appraiser arranged a time to visit my house to conduct the appraisal. The night before the scheduled appointment, the appraiser notified me that Wells Fargo would not let him enter my house due to Covid-19. Since the house was unoccupied, he asked if it was alright with me if he entered the house. I agreed. Wells Fargo then said he could not enter the house, even with my permission. The appraiser then said he could perform an external appraisal and complete his appraisal if I provided detailed pictures of the interior of the house, which I submitted. The WF mortgage consultant, Mr. XXXX XXXX, agreed with this approach and the appraisal was completed. I received a certified appraisal on XX/XX/XXXX. Mr. XXXX contacted me afterwards and said everything was in order and the mortgage would be approved shortly. 

Later in the day Mr. XXXX called with bad news. He said that since my mortgage had been sold to XXXX XXXX, they demanded a complete appraisal to include the interior, however, since WF wont allow interior appraisals, they could not approve the refinance. The consultant was very agitated by the decision and promised to fight it further, but after a few weeks passed, he called to say he did not make any progress and urged me to call his supervisor, Mr. XXXX XXXX to complain. I did call and left several messages, but never received a return call. 

On XX/XX/XXXX, I received a letter from WF stating my application was denied because We do not offer the product or program requested, whatever that means. 

I do not understand how as a mortgage holder with WF since XXXX, with a perfect on time payment history, that I do not qualify for a refinance where my monthly payment would be much less than I am currently paying. I also do not understand why they will not let an appraiser in my unoccupied house, when he is more than willing to do so, or why they will not accept the complete and certified appraisal already completed in XXXX. 

It seems that WF, through their own doing, is making it impossible to complete this process. 


Thank you, XXXX XXXX
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Orions Management Group, LLC (NJ)

I have disputed an account with XXXX from Orions Management Group LLC that came back verified on XX/XX/24 I asked them to send me proof on how this account was verified and they said they arent allowed to send proof which is unfair as a consumer. I sent letters backing my information and all they did was update the information. The account is closed and why it be reporting late or open. This is a FCRA violation 15 USC 1692 ( e )
Consumer complaint received 2022-06-20
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-20
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. (IL)

i have inquirys i did not make if they can prove them they can leave them after they prove i made them XXXX XXXX XXXXt XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX are all fraudelent
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I have been in communication with Bank of America over the course of the last year trying to keep up with my payment despite losing my job due to COVID-19. It was stated that I had missed a payment in early XX/XX/2021. The payment was automated and for some reason it did not go through. Bank of America did not inform me and I noticed after 3 days that they had not charged me so I called to make sure everything was okay. They informed me that the payment did not go through. I made the payment and asked to adjust my payments for the next six months. I told them I was still recovering financially and had only gotten a job in XXXX. They agreed to a minimum payment of {$50.00} and told me that it would be okay and that I would not be charged any late fees because they understood individuals had been hit hard due to COVID-19. I spoke with three different individuals and the last two people I spoke with ( I kept being moved from tier to tier ) told me the same thing, I would not be charge. Today, I received a notice that my credit score dropped 56 points because I was delinquent even though I had been paying the {$50.00} we had agreed to every month on time. I called and Bank of America told me that I was delinquent because I had not paid the late fees. They would not acknowledge the conversation I had with their two specialists and told me that I need to pay the minimum to get my account to current and that the {$50.00} does not do anything because my account would still be delinquent due to the late fees. I explained that no one had told me that and they countered with that they sent my this in the statement they send each month. Mind you I called two months ( late XXXX and early XXXX XXXX in a row after seeing the fees and was told not not worry, my account was still current and it was just the result of THEM working with ME. I do not understand then why they agreed to the {$50.00} payments if they were aware it would make me delinquent anyways. I do not understand why they did not tell me this, told me something completely different over the phone, and apparently snuck it in the letter they send me ( which I do not see on there ). I have been making payments for close to 3 years on this debt and these practices seem cultivated to keep me in a cycle of debt. They were not transparent. The last specialist I spoke with was XXXX XXXX.
Consumer complaint received 2022-07-24
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)

In accordance with the Fair Credit Credit Reporting Act. XXXXt Account # XXXX has violated my rights. 

In accordance with the Fair Credit Credit Reporting Act. XXXX  Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A, States I have a right to privacy 15 U.S.C 1681 section 604 A, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Please note this has been an ongoing battle with the firm XXXX XXXX XXXX XXXX XXXX. I believe this may have stated in 2018. I was sent paperwork regarding a debt from XXXX - XXXX XXXX? Fraud .... 
This company is well aware. There is fraud noted in my account. I've filled numerous court filings. Again this law firm has gotten a hold.of my driver 's license a d now garnishing my check. 

I want this stopped immediately. Will the money already taken be refunded to me? The statue of limitations is more than likely running out and this company back is against the wall.
Consumer complaint received 2024-02-06
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-05
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. (FL)

See attatched XX/XX/XXXX Letter from Equifax CONFIRMING : We recieved your request concerning your Equifax credit file. We are unable to locate a credit file for one of the following reasons : 1 ) * You may not have a current file.2 ) * You have not applied credit recently. * 3 ) You have not actively used credit in the past ten years. EQUIFAX MAINTAINS CREDIT FILES MAINLY ON US RESIDENTS. ** I HAVE NEVER BEEN OUT OF THIS COUNTRY IN MY XXXX  YEARS ON EARTH however XXXX XXXX Accessed my XXXX account XXXX. ** I had a credit file?? WHAT HAPPENED TO IT?? XX/XX/XXXX XXXX Alerted me XXXX XXXX Accesed my account.. Was it me I ANSWERED NO. XX/XX/XXXX UNAUTHORIZED TRANSACTIONS APPERRED ON TWO CREDITCARDS. XXXX  & XXXX FTC ID Theft Report is case XXXX. I WAS PART OF BREACH NOW NO FILE????? DID EQUIFAX BREACH CAUSE THE ID THEFT ON TWO CARDS?? IS ALL MY PRIVATE DATA ON DARK WEB TO FRAUD ME MORE??? Elderly XXXX American Citizen TARGET BY PROFILE ( * NO PROTECTION FROM CRIME. Please hear me " I CAN'T LIVE ''!! )
Consumer complaint received 2020-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

I have been contacted for 3 days in a row by a " Debt collection agency '' called XXXX XXXX XXXX from the phone number XXXX stating that I owed a {$780.00} to best buys credit card company. I told them I would not be giving them my information and I would settle this issue with the BestBuy themselves. 

I had previously closed my best buy account roughly 10 years ago and verified this by not being able to connect to their billing department because they did not have my social security number on record
Consumer complaint received 2018-08-08
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: EQUIFAX, INC. (IL)

Contacted XXXX on XX/XX/2018 about the dispute I submitted today regarding an alert I recieved today. XXXX XXXX XXXX showed a collection item with XXXX XXXX XXXX XXXX, but was unable to validate it with me. 

XXXX fraud resolution stated that they don't have to get documents, they verity only the name, address, creditor, and balance. I said even if the account is NOT my debt. I requested that they verify the debt by getting contracts, payment history, or something to validate that debt is legitimately mine, or if they can't validate it to remove it immediately. 

They said they are in the process of investigating it. 

Sent Equifax a dispute requesting the same account validation stating that it was not mine.
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had a account with Bank of America back in 2018. I didnt know I had a outstanding balance. I took care of that balance and then some in FULL. Now I AM having trouble opening a new account ANYWHERE and it is very discouraging. I am a XXXX just waiting to open a account to put and save my money. I have paid what was owed as I do not want that on my record. I need a chance to open a new account and start fresh. Please help me fix this so I am able to move forward in my financial life. I do not owe any financial institution. Thank you.
Consumer complaint received 2019-11-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Hanna Holdings Inc (PA)

I was purchasing a home thru Howard Hanna real estate and I have multiple issues with the company. First they denied me a refund on my appraisal and the appraisal was never done or scheduled. I did sign a document stating I would not be refunded if I failed to purchase the home due to my fault, this never happened I didnt purchase the home because once I received the information on the HOA and the master policy I did not agree with the terms. The HOA master policy was not given to me until after I made the offer on the home and I canceled the sale immediately. The appraisal was never scheduled. But they still denied me a refund. Second I am not ok with the way I was treated by my realtor XXXX XXXX and by the finance guy XXXX XXXX. Things were very unprofessional and very confusing to me and I have since moved on to another realty which I Am happy with. XXXX XXXX made me pay off all of my credit cards and close them out completely. XXXX XXXX tried to get me to put in an offer of 98 % of the asking price of XXXX and we settled at XXXX much less than 98 %. When I tried to talk to XXXX XXXX about my concerns he told me to take my business elsewhere. XXXX XXXX lost her patience with me and started screaming at me on the phone. I have consulted with 2 other realty companies and they agreed I should get my money back on the appraisal. Thank you
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

This is regarding my Chase Slate card. I have had this card since XX/XX/XXXX. 

I charged a large amount soon after I got it, for Church donations. 

I made my minimum payments. 

If I missed one, it was never delinquent long and I have been a valuable customer. 

I paid OFF my entire card in XX/XX/XXXX - $ 26K plus, cash. I didn't however know there was still some interest to pay, and I found out shortly after I needed to pay + {$300.00}, which I then did. 

In XXXX I did a balance transfer. That is the first one I ever did. Very shortly after this, my account was closed. I was not notified of this, I tried to use it - it didn't run - so I called and found this out. 

I then called and was a bit shocked. I recently found out about the Executive Office and called then to voice how odd this was. They gave me a case # and said they'd look into it. Today I got a call back that the " resolution '' was that my card would remain closed due to " delinquencies '' and " revolving balances ''. 

The number I called was XXXX. The person who I was dealing with was nice, and I know this is not her fault. 

The delinquencies are minor, and I pay my bills and am an honest person. 

Again, I paid Chase XXXX and then a few months later they close my account. 

The thing that makes me more concerned is that this card has only been used to support my Church. So now I am thinking this has something to do with my religion.

The balance transfer that was done RIGHT before my card was closed, was to my Church.

I am going to continue to look into this until it makes sense. Any help you can provide would be appreciated. 
( I put Chase Slate MC as there was no option for VISA, mine is a VISA )
Consumer complaint received 2022-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (MD)

Notified XX/XX/2020 by Ameris Bank that our account was delinquent. We responded that payment was sent and check was cashed by the bank and was not late. We sent he information verifying the check had been cashed by Ameris. We continued to recieve delinquent notices and our account was handed over the the collections department and our credit score negatively impacted.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

Debt is being disputed since original creditor didn't comply to accept payment on my 12th payment week and pay ( cash price ) amount as requested that day and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12 to 13 payment as listed on attached agreement. 

Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. 

Attached letter to validate debt and removal if not response is receive by due date.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, AND XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Brett M. Borland, P.C. (MS)

I have been contacted several times by this law office about debt and requested several times that they send me the information. The guy on the phone stated that they had and someone signed for it and I repeatedly told him I had not received anything. 

They proceeded to list this account on my credit report and I have XXXX XXXX from canceling this lease so they are reporting a debt I am not liable for through XXXX XXXX XXXX.
Consumer complaint received 2019-11-07
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. (MO)

I have submitted a dispute with XXXX  twice with photos of evidence that a collection they recently placed on my credit report should not be on it. Legal documents from the court saying that the case was dismissed. And another legal document shows that the account is 12 years old and to old to be on my report.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Today is Thursday, XX/XX/XXXX. I made a payment on my Capital One credit card last Friday, XX/XX/XXXX. While my " current balance '' has gone down by the amount of my payment, my " available credit '' has not increased accordingly. As someone trying to keep their credit usage below 30 %, this is very frustrating. The company states that it takes around three days for a payment to post. There is no problem with the payment not posting -- the money has been withdrawn from my attached account and has posted to my current balance, but not to my available credit. 

My credit limit on this card is {$5000.00}. As you can see from the attachments, my current balance is {$320.00}, but my available credit is {$3600.00}. As reflected in the statements attached, I made the maximum allowed payment of {$870.00} on XX/XX/XXXX. While that payment appears to have been deducted from my current balance, it has not been so added back to my available credit. I am attempting to keep my available credit on this card above {$3500.00}, and this is a quite significant inconvenience. 

Thank you in advance for your help.