davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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)

After receiving my credit report, I noticed inaccurate information being reported on my credit file. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) On XX/XX/XXXX I submitted disputes to XXXX, XXXX, and Transunion about the inaccuracies being reported and to have a thorough investigation done. They claim to have verified the accounts. How is this possible when there are missing account numbers, missing dates, reporting last payment of XXXX, XXXX XXXX but shows charge off at same time., past due amounts are missing. According to the FCRA, i have the right to a 100 % fair and accurate credit report. The information being reported across all three bureaus is inaccurate and therefore must be deleted immediately! If these accounts are not immediately removed from my credit report, I will be seeking litigation against XXXX, XXXX, and Transunion for violation of my rights under the FCRA. As I am inserting a copy of credit report with the inaccuracies circled, I feel as though a time frame of no more than 14 days is required to resolve these issues.
Consumer complaint received 2020-09-23
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. (TX)

I have reached out to XXXX, transunion and XXXX  several times to have errors corrected on my credit profile. My sister and I have similar names and the same date of birth. As A result some of her accounts are being added to my profile and vice versa. I have disputed several collection accounts that does not belong to me and all come back " Not deleted '' when these accounts simply aren't mine! I have multiple inquiries on both XXXX and transunion that aren't mine. Reports also that reflect I have outstanding balances for A XXXX XXXX charge off account, XXXX XXXX, and XXXX XXXX which are all my sibling accounts and not mine. I requested A free credit report to go over these details after I filed the dispute and was denied A free copy and informed I would need to pay. I had fraud alerts placed on my reports also due to my mother using my information and I informed all credit reporting agencies of such fraud. My scores are all negatively being reflected as poor when these charge off accounts, Collection accounts and inquiries do not belong to me! There are some inqthat are mine and some accounts that are mine. But none of which are in collections or charged off.
Consumer complaint received 2021-07-14
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: SYNCHRONY FINANCIAL (NC)

XXXX XXXX XXXX, I have contacted them directly spoke with Ms. XXXX who stated she was a Manager. I explained that this account was awarded to my ex husband during court proceeding and I sent the court documents showing that he was responsible for the account til paid in full which was enforced by XXXX County XXXX. I have disputed this many times as well as to credit bureau. Ms. XXXX informed me in XXXX of XXXX that she would remove all derogatory reporting on credit report which at that time was 4 30 days past due, she never did I called back in XXXX of XXXX after pulling report to see that she never removed and their was more 30 days. She apologized and stated she would correct. This continue til XXXX and more was reported. I contacted again spoke with Ms. XXXX who informed me that this would be addressed and removed. It was destorying my credit so I paid the account off with the understanding that it would be removed and I would handle a court order with the fact my ex was in violation. Here we are still battling this to get removed. Please assist. 

XXXX XXXX  XXXX XXXX  - I have no clue what this account is and it was written off as bad debt. I have tried to contact the 800 number of credit report and no record of me found. I have disputed on credit report as well and still there. Company has apparently sold and are of no use to me at all. This is not my account and should not be on my report. 


XXXX XXXX XXXX account was awarded to my ex during court proceeding. I have sent documentation to XXXX as well as disputed online. This is the same as XXXX. XXXX ordered him to pay the account since he was the one that used the account. I was told my XXXX XXXX XXXX negative reporting would be updated on the credit report by XXXX and here we are nothing go fixed. 

SYNCB/XXXX  - THIS IS NOT MY ACCOUNT. I do not know how someone got hold of my information but this is not mine.I have disputed with credit report and it still remains. I call the 800 number on report and the creditor is unable to indentify me yet it is reported on my credit report. This is not me or my account.
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Payment made to XXXXXXXX XXXX XXXX XXXX in the state of Illinois for my mortgage with BOA. The check was cashed and NOT applied to the correct account. The company STOLE money from me and caused negative credit reporting.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

We agreed to pay off a collection last year in XX/XX/2021 with XXXX XXXX XXXX. The agreement was with account representative XXXX XXXX. that once the amount was paid in full. XXXX XXXX will request for complete deletion from our consumer credit report and send to XXXX, XXXX and Equifax. This is a joint account in the sum of {$1200.00} was paid by me and my husband.
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (VA)

I opened a new checking account online couple of month after a dealership financed my new car thru them and by having this loan, I was under the understanding that I was already a customer, but the bank failed to inform me otherwise and also failed to inform me on a clear and timely manner that my account founds will be unavailable until I provide them with a copy of my drivers license and social security card. 

By the time I discovered the issue, I was already out of cash, the bank was closed and all my available funds stuck on this account. To correct the issue, I promptly provide the bank with the requested documentation, to which the reply by email saying the issue will be resolved within a day ; however, is been three days and I'm still unable to use my funds because the bank hasn't care to clear my account and the two times I called, they haven't been able to resolved the issue. 

The last call I was told the will lift the restriction on my account as soon as they can but can not provide me an exact date because they are too busy and this process could take several days ; yet I have an email of them from three days ago saying that it will only take a day and the issue hasn't been resolved. 

as of today, I haven't been unable to access my funds for six consecutive days.
Consumer complaint received 2023-03-28
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-04-06
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. (TX)

I'm filing a complaint on Trans Union LLC. I sent Trans Union LLC a 609 letter disputing information on my credit report and asking them to show me proof of the information on my credit report is accurate. The letter was sent back in XXXX dated XX/XX/2022. Under the federal law they have 30 days to complete an investigation and 15 days to let me know what information they have found during their investigation. It has been over 45 days and I have not receive a response from Trans Union LLC. I've sent them a 30 day to comply letter and I have not receive a response from that either.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In XXXX of 2022 I attempted to pay my XXXX XXXX ( XXXX XXXX ) over the phone with the automated system and the payment didnt post. I called and spoke with someone they were able to verify that I called but not sure why payment didnt post. They removed the Late fee but the 30 day late is still appearing on my report. I have been a long time customer and pride myself on making my payments on time. I have a daughter on her way to college and this late payment has dropped my credit score. I need this updated as current so I can apply for the parent plus loan so she can further her education and I dont want this mishap to cause hardship to my family. 

XXXX account # XXXX Trans union XXXX XXXX XXXX # XXXX but on my report the number isnt provid e
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX continues to report my credit bureaus as me being delinquent being down my credit score when my accounts are in forbearance I havent been able to pay them because of the high rates they been charging me I now owe over a XXXX dollars in student loans with just them. I will never own anything because of them.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: ENCORE CAPITAL GROUP INC. (TX)

I originally disputed this on XX/XX/2016 case number : XXXX and no resolution. It 's been reporting on my reports stating reinvestigation since then. Now the same credit card is showing up as a collection account on all XXXX bureaus. It is now listed as Midland credit management. I submitted a copy of my identity theft affidavit with police reports. This is really affecting my livelihood and also my children 's.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I opened a checking account with Citibank on XX/XX/22. I used to account for shopping and to pay bills and rent, never overdrawing, bouncing a check or having a check returned. I went to use my card on XX/XX/22 and the transaction was declined. Without warning or any kind of reason, Citibank closed my account and is now holding my remaining balance of {$1500.00}. Im unable to pay bills or rent and their customer service has no answers and Ive been hung up on more times than I can count. I want my funds returned ASAP
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Ed dept of XXXX continues to report my credit bureaus as me being delinquent being down my credit score when my accounts are in forbearance I havent been able to pay them because of the high rates they been charging me I now owe over a XXXX dollars in student loans with just them. I will never own anything because of them.
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

A seller sent me fake XXXX sending receipt with the tracking number hidden saying that he will send me that once I transfer the money. I paid half the money via paypal and other half using Venmo. Once I sent the money he stopped replying to my messages and calls. The companies said they can not help since I did not choose seller protection. Now I lost my money and did not even get the product.
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NJ)

On paper work it says There are funds being held in suspense, a holding account for unapplied payments. The supervisor said the money of XXXX was applied on XXXX XXXX. This is false I payed my Monthly payment of XXXX This is the confirmation XXXX. I am being lyed to and i want the money sent to me by check or applied to Escrow
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

n 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 without my written instructions
Consumer complaint received 2020-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (OR)

I have a mortgage through XXXX XXXX XXXX DBA MidAmerica Mortgage. I called around the end of XX/XX/2020 to talk about forbearance options with the CARES Act. I was immediately transferred to Collections department and the agent was 'tough ' about letting the mortgage go into Forbearance the way we instructed. 
I told her I was experiencing financial hardships with my job and needed to go into forbearance- she wanted to know the specifics of my hardship! I kindly let her know the CARES Act doesn't say I have to divulge my personal detailed hardship. The rep immediately responded with " I need to know the specifics ... '' I just told her that my hours were cut. Her attitude changed from mean sales person to kind customer service. " I am sorry your hours are cut at work- and then instructed me to go into default! in order to be placed in Forbearance. I thought that was odd and again asked why we couldn't just go into Forbearance with my XX/XX/2020 payments? 
She told me that is not how it works- I would have to voluntarily missed one payment and put loan into default. Once in default, then they would be able to move my loan into forbearance and mail me my repayment options. 
I kindly asked her to clarify where she was getting that information, The CARES Act does not specify I would need to go into default, to go into Forbearance I only had to contact my bank verbally or email/note with my request and they would send a letter out with my agreement and payment options. 
She said No- I would have to purposely miss a few months payments, go into default and then call in every month to check in with her about my hardship. 
This did not sit well with me at all and I said Thank you let me think this over. 
I called again a week later, was immediately transferred to Collections again and given the same false information and pressured to make an uneducated decision. I reached out to my Mortgage Broker and he mentioned that by going into default as the state of our loan during Forbearance will create more chaos and the loan needs to stay in 'Current Status '' I emailed the company again with my information and request of Forbearance to begin XX/XX/2020 and have not heard anything back from them. I DO NOT want to go into default to take advantage of the CARES Act these are unfair and deceptive tactics and tricks to make the consumer have to pay more in the long run.
Consumer complaint received 2019-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

Dear CFPB, On XX/XX/2019 we had a FIRE in the lower level of our home. The fire has cause $ XXXX {$85000.00} in damages. We immediately called Wells Fargo to inform them of the situation and asked what help they could offer. They offered a forbearance on the loan. They failed to inform us they were gon na report negative information on our credit report, we have been paying the payments every since and have paid them on time. The person we were dealing with said they would have our credit fixed do to the matter. They continue to report us negatively on our credit making our scores go below 500 from above 700 's. 
They keep saying they are gon na fix it and don't. We are still trying to fix our house and deal with the insurance company. During this time they eve threatened foreclosure when we have done what they have asked us to do and kept our side of the deal. 
All of this happened during a snow storm in the whole month of XXXX. 

They have done nothing but making this process horrible, and embarrassing, exhuasting etc.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (NH)

In accordance with the Fair Credit Reporting act XXXX 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 without my written instructions
Consumer complaint received 2022-04-06
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. (NH)

In accordance with the Fair Credit Reporting act XXXX 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 without my written instructions
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MI)

Ed dept of Navient continues to report my credit bureaus as me being delinquent being down my credit score when my accounts are in forbearance I havent been able to pay them because of the high rates they been charging me I now owe over a XXXX dollars in student loans with just them. I will never own anything because of them.
Consumer complaint received 2022-04-06
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. (GA)

This is a complaint against timeshare XXXX. They had my GA license at that time. I've dealt with several of their employees namely XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, they introduced themselves as XXXX XXXX instead of a salesperson. They used visual film and graphs to convince us we're making a good financial investment as they also showed resale history goes up. The said it had some tax benefits similar to owning a second home. They offered gifts such as more points & vacation at XXXX location. We felt pressured to decide right away as they needed to get a " corporate '' approval to grant us the price being offered, and a manager went upstairs to talk ; telling us things like it's our last chance at the lowest price. We felt we're being rushed, they didn't inform us of the fees, they didn't even allow or gave us enough time to read through the contract. We never received an original copy of the contract as well, they provided us the first page only. Everything felt rushed because they didn't even allow us time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. It felt like we were profiled, XXXX - XXXX XXXX XXXX and XXXX- a veteran. We're elderly, it appears we were taken advantage of because of our age. Having this timeshare just gave us hardships than giving us a way to relieve our stress, especially when we're already dealing with several medical conditions but getting involved with them just doesn't help, actually making it worse for people our age. It only caused us financial difficulties, we declared bankruptcy again and lose apartment & car/van. We're both retired but we couldn't make payments on other existing bills. We were in the office for 5 hours going through stuff. They told us deposit would be waived but set up vacation club credit account and showed it as a promo purchase. Asked us to sign forms we couldn't read or get copies of; made us sign forms but they didn't even advise or inform us what they were but simply telling us it's part of the process. They took advantage of our old age to defraud us.
Consumer complaint received 2019-01-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FC HoldCo LLC (NV)

I was involved in an car accident in XX/XX/2015. The car resulted in a total loss, i submitted all the proper paperwork to my insurance company and GAP. My insurance- XXXX XXXX paid off the majority of the vehicle debt. the only problem was my GAP insurance did not pay off the remaining balance due to an incorrect cancellation. XXXX XXXX XXXX, XXXX requested GAP to be cancelled instead of paid out resulting in a balance that should have been covered completely and not a partial payment leaving me with a balance. I tried to dispute it with XXXX XXXX XXXX but they told me the case has been closed ( and filed incorrectly as a cancellation instead of a pay out ) and there was no way for them to reopen up the case and for the case to get settled.