davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-04
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. (TX)

XXXX XXXX XXXX  has reported different information to both XXXX and Equifax. On Equifax it is showing perfect payment history and account reflecting close and paid satisfactory. With XXXX they are reporting derogatory with all late payments. Both XXXX XXXX Equifax are saying the account has been verified yet different information is being reported. I have never had an account with this XXXX XXXX XXXX and the information they are reporting is conflicting and very different information.
Consumer complaint received 2020-07-24
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. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

My home has been in foreclosure since XX/XX/XXXX. I prevailed in the initial foreclosure case but after several years the XXXX  XXXX XXXX XXXX XXXX foreclosed again and the sale date occurred on XX/XX/XXXX. I requested the Loan Servicer, Bay View Loan Servicing modify my mortgage to a monthly payment amount I could afford. 


I obtained an Attorney that specialized in Loss Mitigation and submitted all required documents and financials to my Attorney but during the loss mitigation review process the sale date occurred. The sale date should not have occurred while we were in midstream of Loss Mitigation. My Attorney maintains there is a recent regulation prohibiting a foreclosure sale while Loss Mitigation is in progress. My Attorney filed a Motion to Vacate the foreclosure sale ; however, the Circuit Judge denied our objection to the sale. 

My wife and XXXX year old son live in our home and our home is a place of business for both my wife and I as we are a XXXX XXXX. Foreclosure of our home will be devastating to our lives and our XXXX XXXX and ongoing renovation projects. 

Please help me work out a solution with the Loan Servicer, Bayview and the XXXX XXXX XXXX XXXX XXXX. 

Thank You
Consumer complaint received 2021-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

This debt is not mine I have been in touch with the company through XXXX XXXX and the debt is still showing on my credit report. I am XXXX XXXX XXXX XXXX, I am a veteran and I have my own medical insurance. 

I did not call any ambulance to transport me t o any hospital. This collection agency did not even try to contact me before they placed this damaging collection account on my credit report. There was no verification if they even had the right person and they dont appear to be in any hurry to correct it. 




WAKEFIELD AND ASSOCI Last reported XX/XX/2021 {$1700.00} Open balance XXXX  XXXX XXXX Original creditor XXXX  Opened XX/XX/2021 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes- reinvestigation in progress Original creditor name XXXX  XXXX XXXX
Consumer complaint received 2020-06-03
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. (TX)

There is a collection account on my TransUnion credit report that is with XXXX  # # XXXX opened XX/XX/2015 reflecting a balance of {$2400.00}, this is not correct. I had only 2 accounts with XXXX  # XXXX and # XXXX which has {$0.00} balance and paid as agreed. This outstanding account does not belong to me.
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to express my frustration and disappointment with the numerous attempts to correct the late open account associated with my account. Despite my repeated efforts to resolve this issue, it persists, causing significant inconvenience and concern. 

As a loyal customer, I expect timely and efficient resolution of any issues related to my account. The repeated failure to address this matter reflects poorly on your company 's commitment to customer service and satisfaction. 

I urge you to prioritize this issue and take immediate and effective action to correct the late open account. Additionally, I request a thorough review of your internal processes to identify the root cause of this recurring problem and implement measures to prevent similar occurrences in the future. 

Furthermore, I believe it is only fair to receive compensation for the inconvenience and stress caused by the prolonged delay in resolving this issue. I trust that you will address this matter promptly and provide me with a satisfactory resolution. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXXXXXX Balance : {$900.00}.
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am opening a complaint following my previous complaint ID : XXXX. In that complaint I had mentioned that on XX/XX/XXXX, I balance transferred {$13000.00} from my Capital one credit card app to my husband 's XXXX debit card. I found out the next day that the debit card does not accept incoming transfer. So I called Capital one and asked them to put a stop to it and cancel the transfer. They could not do it and I was told that I have to wait for it to be rejected and be refunded back to me. 
It has been more than XXXX weeks and the transfer was not rejected and has not been sent back to us and XXXX is saying that the transfer has not been received. 
Capital One has not provided any proof, transaction ID or trace number about the transfer and XXXX has no way of tracking what has happened to the money. 
I have opened many cases with Capital One and they keep closing them without any resolution to our problem and finding out where the transfer is. Capital One back office has to talk to XXXX back office and figure out where the money is! The transfer has filled up my credit card limit and brought down my credit score a lot! 
In response to our complaint ID XXXX, capital one promised to fax XXXX the proof of the balance transfer. I called Capital One and provided the fax XXXX XXXX. Attn : XXXX XXXX XXXX weeks ago, but Capital One has not sent any proof.
Consumer complaint received 2021-12-04
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. (NJ)

On XX/XX/2021 I submitted a dispute in regards to a bankruptcy on my credit file and TransUnion responded on XX/XX/2021 ( report # XXXX ) that the bankruptcy was verified but not specified. I wrote them another letter on XX/XX/2021 and sent it certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX ) letting them know that I was requesting a description of procedures as stated by 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) & 15 U.S. Code 1681i ( a ) ( 7 ) of the FCRA. I requested a description of the procedure used to determine the accuracy and completeness of the information they provided to me from the XX/XX/2021 dispute.I asked them to provide the business names and addresses of any furnisher, vendor of information contacted in connection with such information and the telephone number of such furnisher. I also let them know that this Information could have not been provided by the courthouse because I attached them the letter from the court which stated that they did not provide them with the Information. Today, XX/XX/2021 I received a letter in the mail from TransUnion stating that they were not going to investigate this matter, but I didn't request another dispute investigation, I requested the description of procedures. I feel that they are in violation of the FCRA by not responding to 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) & 15 U.S. Code 1681i ( a ) ( 7 ) which says they have 15 days to respond with the information. 

Please see attached for all information that was sent and received. This will also be filed with NJ attorney general and FTC.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XX/XX/year> i sent transunion a letter asking them to verify the debt that they are claiming to be verified. It has been over 30 days and they have yet to get back to me with my request. I mailed it certified so i know they have received this request i wish to resolve as fast as possible
Consumer complaint received 2019-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery Associates, which is the name of the company who is repeatedly calling me, continues to harass me almost daily about a debt that has been written off more than 7 years ago. I asked for them to stop calling me and they refuse. I received a call from them today waking me up out of my bed at XXXX from XXXX , TN from this number : ( XXXX ) XXXX, Thursday from XXXX XXXX , MO , at XXXX, from this number : ( XXXX ) XXXX, Wednesday from XXXX KY , at XXXX, from this number : ( XXXX ) XXXX I need it to stop!!
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX is attempting to collect an alleged debt i requested verification of alleged debt and then still received phone calls have yet to receive confirmation that the claimed debt is cleared or any other communication other than phone calls which should not have been placed to me after verification request it appears that after CITIBANK was unable to verify the debt with XXXX, XXXX XXXX XXXX, that XXXX, XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northland Group Inc (FL)

I received a letter on XXXX18 from Northland Group stating I have a past due balance of {$200.00} but it does not state from where the debt originated from. Also I checked my state of Florida ; Florida Office of Financial Regulation for licensing and Northland Group is not registered as a collection agency to collect debt in my state.
Consumer complaint received 2022-02-03
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2021-12-04
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: EQUIFAX, INC. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX  XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CO)

Between XXXX to XX/XX/2023, Marcus by Goldman Sachs stopped all transactions on my account 3-4 times " on suspicion of fraud ''. 
I had transferred about XXXX from XXXX XXXX XXXX to Marcus, and from there transferred to Betterment and XXXX XXXX. 
The transactions were made in chunks of XXXX. 
First time they stopped transactions, I found that acceptable, and they verified the transactions with XXXX and me. That was fine with me. 
However, they stopped transactions and froze debit twice more, when the payment made/received was to the SAME parties, i.e. payment received from XXXX and paid to XXXX XXXX. 
This debit freeze that happened over and over againlead to some of my scheduled payments not being honored, and I faced hundreds of dollars in financial loss in late fees and charges. 
I wrote to Marcus seeking compensation for the late fee/charges but received no response.
Consumer complaint received 2021-12-04
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. (OR)

These agencies include Equifax, XXXX, and XXXX. my wife and I are victim 's of fraud this is been on going still we have filed complaints to your office as well as the were the debit took place, your office keep passing this back to Equifax, XXXX, and XXXX they keep tell me I never showed a police reports I have sent them and your office has showed them also, we have make complaints with FHA, as well as Hud from their own website up loading the info we spent money using their owe sites and they wont take the info, provided, please see the enclosed info. I have also called your XXXX XXXX XXXX IM XXXX and a member of XXXX XXXX, we have been discrimination on the basis of familial status and gender because no one fixed the credit I was force this humiliation of this, and split of my children between homes, this has caused my health problems as well not having the credit my teeth damage I need dentures. we lost out on homes and lender who cant lend to. our info with Equifax, XXXX, and XXXX is crossed wrong, multiple files with mine and my wife. info
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I submitted an application for credit cards and the bank institutions are not able to review my credit reports in my Experian and XXXX  accounts. I want these fraude alerts or frizz to be remove asap so the institutions can go ahead with the review of my credit reports to see if im approved or not. I understand is maybe for security reasons but is not fair because the score in my credit had been very damaged.
Consumer complaint received 2023-04-06
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX 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 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

My HSBC checking account has been suspended and I have been unable to access my money for 6 weeks. Every support agent says account is under review and there's nothing they can do. The last one said I would be getting a letter in the mail in 3 business days and that was 10 days ago.
Consumer complaint received 2022-06-10
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. (GA)

N accordance with the Fair Credit Reporting act Convergent Account XXXX ACCOUNT NUMBER ENDING IN # XXXX and # 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions!