davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (CA)

I am having a issue with bill me later through PayPal. I was under the impression I was paying with my debit card. I somehow signed up for PayPal bill me later. I don't recall agreeing to this service. And to be honest my credit is poor so I wouldn't of even tried to get credit like that.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America, They have not done their due diligence and they refuse to go through their records and recorded lines. They are very rapid and rude. They continue trying to reach me over the phone instead of going through CFPB. It seems that the credit agencies are very biased towards the banks even if the consumer has showed in the banks own email, letterhead and all their logos and information that payments have been made. They are causing damage and being malignant in every which way. I can't spend more time fighting these banks even though I continue making payments. 

They are hurting me and my family. I hope you take this very seriously. 

Bank of America can't continue doing what they are doing. 

Thanks
Consumer complaint received 2019-04-17
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. (NV)

I received a copy of my credit report and I noticed this account XXXX/XXXX XXXX is open and with a balance of XXXX this information is inaccurate. This account is now closed and the balance is XXXX, please update this information in my credit report.
Consumer complaint received 2017-10-28
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. (MD)

I have never borrowed or done any business with XXXX XXXX XXXX. They have reported a collection account which is revolving amount XXXX.
Consumer complaint received 2018-06-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SMI Lending, Inc. (TX)

I received a letter from a company called XXXX XXXX. In their letter, they stated they participate in the VA IRRRL Streamline Program. They stated in their letter that they do not require a credit score, appraisal fee, or a proof of income. When I called them I was told they do not require these things because it was satisfied when I received the initial mortgage through my original VA Loan that it was a program to refinance my mortgage at lower rates specifically designed to help veterans. I was then asked for my current mortgage lender 's information and asked to verify my address. From this point, the representative ( XXXX ) told me she would send this to a loan officer and I would hear back from someone on Monday. By Wednesday I called back because nobody had reached out to me and there was no answer so I left a voicemail. By Friday, nobody had called back so I called again. This time I was told I would be turned down because my credit score was too low to get a better rate. At no time did I authorize this company to run my credit because on their letter that they mailed to me it clearly stated the credit score was not needed to participate in this program. I asked the representative how this could happen and she apologized for the misleading letter and said it must be a typo. Furthermore, the credit score they said I had is not the same score that I see when I look at all three credit bureau reporting agencies, the score they reported was substantially lower by more than 50 points. I told her I found this was unacceptable and reported it to the Texas State Attorney 's Office and the Consumer Financial Protection Bureau.
Consumer complaint received 2023-07-02
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. (AL)

Ive been reaching out to TransUnion regarding their incorrect reporting to my consumers report. They have yet to cease reporting this inaccurate information. I have no filed a FTC report against the company being that they are committing identity theft. I have not provided TransUnion with my consent to Furnish anything on my credit report. I am also in the process of suing for XXXX each violation. I would demand this account be removed from my credit report within 4 days of receiving this complaint
Consumer complaint received 2019-02-06
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: Experian Information Solutions Inc. (UT)

I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc. (NC)

Simon Agency Inc. 
XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX {$4200.00} XX/XX/2018 i pulled my credit and noticed that i had several accounts on it that are not mines. I reached out to all of them to explain my situation of being a victim of identity thief as well as to the credit bureaus. I wrote letters to this collections asking for the original contract with my signature on it, in return they sent my a copy of monthly statements from the original collector. I filed a report with the FTC and the Internet Crime Complaint which i mailed them a copy as well. I also wrote and sent a copies to each credit bureaus as well. I also asked each bureau to send me the original documents that the collector sent them that keeps them saying they varified the account is mines and they are sending me nothing with my signature on it as well. Iam asking they remove and delete this collection from my credit report please.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (TX)

I went to court XX/XX/XXXX with a case Ford Motor Inc vs myself for a balance of {$23000.00} on previous truck I had returned in XX/XX/XXXX. My lawyer was able to reduce the amount to {$12000.00} in which XX/XX/XXXX I pay the amount of {$150.00} per month until paid in full. They said that Ford would fix my account and place it in good standing. In XX/XX/XXXX since I had 3 payments under my belt I checked my credit report and it had not updated. So in XX/XX/XXXX I disputed with all three credit bureaus and I submitted a copy of my court settlement papers. Two of the credit bureaus verify that the information was correct when they called Ford. On XX/XX/XXXXI reached out to my attorney and the reach back out to the Ford lawyer and they wont respond about the credit reporting. On XX/XX/XXXX I called Ford Motor Inc and why account was not reflective after the case and the lady forwarded me to another department. The gentleman their told me my account went to a attorney and that they haven't received and updates for attorney. I explained to him that the case had already went to court but he says they can't talk to me and I have to speak with there attorney. So that evening I mailed a copy of my settlement paperwork to Ford Motor Inc to show them that it was settled and the amount has changed. Because they are not updating this information I have been unable to refinance my home and can not get any loans.
Consumer complaint received 2024-03-02
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. (IN)

I acknowledge your efforts in addressing some fraudulent entries in my file stemming from purported fraudulent activity, yet there remain items that urgently need removal. As a victim of fraud, I hereby request again the deletion of items from my credit file, which arose from said fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to expunge any such items no later than 4 business days following XX/XX/XXXX. This issue was previously highlighted in an FTC report and complaint, and I am referencing it once more with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have been eliminated by other bureaus, casting doubt on their preciseness. This complaint serves as a notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and stands ready to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$6500.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX -- -- -- -- TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX {$6500.00} XXXX  XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

US Dollar Wire transfer held due to OFAC COMPLIANCE INVESTIGATION. 
XXXX, XXXX I would expect a delay related to this investigation, but I would also expect due diligence and expedite answers from banks involved in this wire transfers. 

I have communicated to my bank Chase about this transaction delay, and requested to notify the beneficiary recipient of this wire transfer delay. Chase communicates through on-line security messages which delay one or two days for answers, and XXXX XXXX  customer reply back in two or three business days. Also when I call XXXX XXXX customer service resplied that following security and privacy policies refused to notify the beneficiary of the wire transfer dalay, even I am not requesting any information they refused to notify its customer. 

The date for wire transfer transaction was XX/XX/2019 for {$1000.00} US Dollars. 

Today is XX/XX/2019 and I am still in the limbo of when the funds would be released or about the transfer status. 

My account : JPM Chase Account XXXX Recipient Bank Bank - XXXX XXXX Company name : XXXX XXXX Acc # Number # XXXX Routing Number # XXXX
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX never late XXXX XXXX XXXX paid in full
Consumer complaint received 2019-04-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (NM)

I recently read about government action taken against Wells Fargo in regards to student loans ( Administrative Proceeding : XXXX-XXXX-XXXX ). I received a student loan from Wells Fargo in 2005. I was wondering what I needed to do to see if I was effected by this action.
Consumer complaint received 2019-04-17
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. (CA)

Equifax would rather play games and semantics than to just fix my Identity Theft Problem. I have attached their response to my letter ( also attached ) which includes an Identity Theft Report from the FTC. They need to delete the items right away or face violations under the FCRA. I don't know why I must spend so many countless hours trying to get this company to correct the mistakes on my credit report, which I have clearly shown in the attached. 

cc : XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Consumer complaint received 2019-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to dispute the error on my credit report on XX/XX/18. The credit agency is Transunion credit collection agency.  The agency never answered the letter and by law they have to remove the error from my report.
Consumer complaint received 2020-02-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$100.00}, {$300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2012 with a credit limit of {$100.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2012 with a credit limit of {$300.00} -This is not my account.
Consumer complaint received 2019-04-17
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: Centralized Business Solutions Company (OH)

I was told this shouldnt be on my credit report because I was a minor and their were going to take it off because it was supposed to go with my mother i was XXXX at the time and its been 4 months and it remain on my credit report this is messing with a huge part of my life.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year> several addresses lists on my credit report never live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX violated 15 US Code 6802 Obligation with respect to disclosure of personal information with written consent from the consumers Name show appears as XXXX XXXX XXXX XXXX XXXX on mine name
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (OR)

I received a letter back from CFBP today. Saying you heard from Key Bank and that they told you they are working on the issue. No they are not, I have gotten the same response from them for the last 3 months. So now I have to wait another 60 days for Key Bank to do nothing again.
Consumer complaint received 2019-04-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation (FL)

XX/XX/19- ONLINE Lender XXXX Loan ID # XXXX Unable to pay online- option is not able to function with no explanation from company as to WHY last month XX/XX/2019 or this month XX/XX/2019. Unable to CHANGE VIEW VERIFY full banking acct info. unable to CHANGE VIEW VERIFY email address on file. Same issue XX/XX/2019 and I was told this would be resolved. It is not. Prior complaint stated that I told company not to email me. I did not. FOR THE RECORD THE COMPANY CAN email me ANYTIME DAY OR NIGHT AT XXXX XX/XX/19 I just called again, spoke to XXXX whom assured me this issue would be escalated, so I can check back in few days for access to my account information. Prior complaints filed, as Co. is  difficult to work with/lack of integrity in fairly dealing with consumer/prevent you from paying or knowing about amounts due, no notices, but no access to account either. I get emails sometimes, but in last complaint they stated I requested no email contact from them. I DID NOT. NEVER Happened. Only get emails when convenient for company. They want your account to go past due to add on more fees. Blocking me from accessing account is violation of the FDCPA.. YOU ARE preventing me from paying online and seeing what you are really doing with my account.
Consumer complaint received 2019-04-17
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: Michael Andrews & Associates LLC (MN)

I have had several credit inquiries from Michael Andrews and associates within the past year of XX/XX/XXXX.  These hard inquiries are without my knowledge or consent, and I have not had the option to obtain the report as required by law. The inquiries are from XX/XX/XXXX and XX/XX/XXXX, after calling the company they refused to provide me with information, and I was not willing to give my social security because they are already pulling my credit. They hung up on me and I still have no knowledge what this company has intentions on doing to my credit. After calling leaving a voice mail in their office to ceased and desist on inquiring my credit report I filed a complaint with the better business burial. I received another inquiry today XX/XX/XXXX from a simular company from the same address and contact information as Michael Andrews and Associates under a XXXX XXXX XXXX XXXX inquiring on an installment loan. These inquiries on my credit are unfair business practices and unlawful, due to my lack of knowledge on why they are even inquiring every 6 months or so and applying for loans that is unauthorized and the companies failure to provide that information as requested. I have no debt based on my credit report on all 3 reporting agencies and Ive pulled my credit recently to make sure of that. I will make sure this matter gets escalated as needed and resolved.
Consumer complaint received 2023-07-05
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. (DE)

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 Balance : {$38000.00} XXXX XXXX XXXXXXXX Balance {$46000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023.
Consumer complaint received 2023-06-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

Loancare Credit Bureau Disputes : I spoke with one of your agents and he requested that I send detailed information about my case. I will provide as much details as possible. I have tried my best to keep open communications so that there is no confusion. 

In XXXX I really started to feel the effects of XXXX  because my household contracted the XXXX 3 times, I was out of work for 3 months and my side business went to nothing. I applied to my mortgage company XXXX XXXX  for covid relief help which wasnt much just extra time. My credit score at this time is close to 800. 

I was pretty much forced to refinance my home back in XXXX with XXXX XXXX XXXX  to catch up and get some equity cash out for repairs and upgrades. I went from a XXXX interest rate to a XXXX interest rate and had to pay a $ XXXX VA funding fee that they promises would be 100 % tax deductible. I checked and irs said yes as long as I claimed it that same year. This came about and I find out the tax laws changed and I do not get this back. 

Between XXXX and XXXX my mortgage was sold to XXXX XXXX  and all this time I am in great communications with XXXX XXXX  and XXXX XXXX. They both promised me in writing and verbally that I would not be reported to the credit agency as I was actively coming current with the arrearage amount. This is about the time my mortgage was sold yet again to loancare and at this point I am so confused beyond comprehension. During my attempt to get this loan current I attempted to contact loancare to pay my mortgage for 3 months and kept getting told this mortgage has not been boarded yet and to call back. For 3 months this was happening. 

This brings us to current day. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am now at 5 % XXXX  and still working through this to try and come current. I could bring this mortgage current if my credit wasnt reported by loancare as delinquent and my score went from almost 800 to XXXX. I have about {$200000.00} in equity that I can tap into with a HELOC or a loan that will bring me current and let me enjoy the low interest rate I deserve. I beg you to help be with this credit situation and honor the other 2 servicers promise to not hurt my credit. 

I have worked hard to keep my family and my home intact through a lot adversity. This has come to the brink of ruining a marriage, my health, and my trust and faith in the country that is supposed to be for the hard working honest, and good people that deserve to take care of their loved ones. I kept this as short as I could so not to bog you down with a lot of reading, I could say more. If you have any questions for me I am very open to direct communications. Please Help!