davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-09
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. (MN)

The following accounts and credit inquiries listed on my Trans Union, XXXX and XXXX credit report is fraudulent accounts and credit inquiries : XXXX XXXX for {$220.00}XX/XX/XXXX for {$100.00}, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX/XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX , XX/XX/2020, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2019-06-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NC)

I have a mortgage with Amerihome Mortgage company. At the moment my mortgage is 2 months behind. I have a water damage claim with them through my homeowners insurance. The date of loss was XX/XX/XXXX. I submitted the endorsed insurance check from XXXX XXXX 1 week after the date of loss. To date I still have not gotten any of the money to repair my home. Ive called in several times and been told something different each time. I was told to send a letter of request asking that the late mortgage payments be taken out of the insurance money and the rest be returned to me for repairs. The request was denied. Then I was told to send a letter stating in detail the issues that I was having providing the contractor documentation. Due to the busy season and my state requirements they ( all 8 contractors that I got bids from ) said that they cant provide all only some of the docs and since they already have lines out the door for work if they did have to provide them, it would push start and completion date out at least a month. I sent the letter in. Again it was denied and no money released. I am now paying a contractor out of pocket to fix my home. I was told then even after proving a signed contract ( pending ) and receipts of items Ive purchased ( also pending ), I will still have to provide waiver of lien and even then I would only get my money back if corporate approves. With 2 denials from corporate already I feel like Im never going to get my money back. Not to mention how stressful this is in the meantime. This is ridiculous. If this complaint is not resolved with full payment to me immediately I will get legal representation. Me and my XXXX year old daughter have been out of our home for over a month and I as a single mom am having to pay for repairs out of my pocket. This is simple unacceptable!
Consumer complaint received 2023-03-14
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. (TX)

To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards . I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have a primary account with capital one that belongs to me. I am listed as the individual account holder. I was added as an authorized user to another capital one account. Now I have two hard inquires from capital one. I did not give permissible permission to authorize this inquiry and it isnt for my own account that I applied for. I disputed the inquiry but not the account since I did not provide or authorize another hard inquiry. Since then the card is now closed and I still have both capital one hard inquires on my credit reports which I am working hard on my credit and do not need an extra inquiry. I am getting no help from anyone at this point. My individual primary account that I did authorize on XX/XX/2020 and I am not disputing this account it is mine which I am the individual primary account holder. The other account which I am only an authorized user on is dated XX/XX/2020 which I disputed. I cant get help getting this second inquiry off from capital one after explaining the situation - since being added as an authorized user there should be no inquiry for this. I did authorize the initial inquiry for the account that is mine but not for the additional which by law should not be on my credit reports since its hindering me from other credit opportunities. I am in desperate need for help since Ive tried everything to get the AU hard inquiry off my credit reports. This is inaccurately reporting which is against the law.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (VA)

Goodyear closed account due none use of available credit ; contacted and explained that system does closing automatically. However, never notified either electronically or US Mail ; no notice in any prior agreements of this practice, furthermore, I fine this practice to be Discriminatory based on the system review of XXXX score and or other identity profile information such of Race and Veteran status.
Consumer complaint received 2022-12-14
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. (AL)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

I have paid off in aggressive amount of money through collection companies signed up with agreement to the bureaus experian and i have paid XXXX in XXXX with agreement that 30 days max that it will not show on report. Now i have a son to support and my score has went up but the accounts i paid off still shows even though it shows paid its stops me from getting a loan, in desperate need to get an place to live and support my son. I want the accounts paid all taken off my report. My score Jumped 70 points since XXXX, i was victim of fraud in 2017 amd the credit bureau promised it would not be shown paid but off my record 100 % that was deal with the lawyer said 60 days max. I need my score to go up snd will jump another to tier 2 maybe even 1 i have done my part i have no more $ $ for companies to want to fight for me. Im close to losing everything cause i have done what was rite snd paid debt. Please please just help and look that i have paid snd please take off my report the things i have paid
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There's incorrect addresses, and phone numbers on my report that I don't recognize. Therefore, I need this to be corrected before I end up being a victim because of wrong information being applied to various organizations that's not correct. See attachments below thank you.
Consumer complaint received 2020-11-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BBVA FINANCIAL CORPORATION (OH)

XX/XX/2020, I requested a wired Transfer of {$40000.00} from my Bank in XXXX ( XXXX XXXX ) to be deposit in my bank account that I have with Simple ( BBVA USA ) here in the US. My bank in XXXX confirm that the transfer was completed on their end, to this day XX/XX/2020, I have not received the money. I have called multiple times my bank ( Simple ) regarding this issue and also email them all the information that the Bank in XXXX gave me. Each time I spoke with an agent over the phone, they keep requesting me a 15 digits number so they can trace this fund. But my bank in XXXX did send me a list of all the details they have. For weeks now I have been calling my back in XXXX to make sure the money did not go back into my account, but they told me that no fund came back and to check with my back in the US. I have been late on a lot of my bills and I find myself in a hard situation, I hope to have more clarity about where the fund is. 
My bank is with Simple but the parent company is BBVA USA
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I wrote Equifax back in XXXXXXXX XXXX XXXX requesting that the accounts be verified. Equifax responded stating they investigated and the account were accurate and updated. After further investigation I discovered that the accounts are not reporting accurate information. Equifax did not investigate yet the incorrect information is still being reported. I wrote an affidavit of truth swearing under the penalty of perjury that the information being reported is not correct. I have exhibits backing my claim and I also wrote a letter describing the inconsistencies I found along with exhibits to back my claims. I also sent an invoice for the federal violations that I would like to be compensated for.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-03-14
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. (TX)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (TX)

On XXXX XXXX, 2023 I was asked by PNC bank to allow access to my consumer report for credit application reference # XXXX. Based on the innacurate experiences illegally reporting with the third party agency XXXX, PNC BANK denied me my own credit. PNC BANK used my social security card # to access funds but in return denied me access to my own funds as creditor. PNC BANK has knowingly and willing violated my rights and discriminated against me, I am now owed remedy.
Consumer complaint received 2019-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

XXXX has been trying to collect debt that does not belong to me i have requested proper validation and which XXXX has refused to give me all they say its verify well i have a right to see what they call verify they have failed to provide me this information
Consumer complaint received 2019-04-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (TX)

I closed a mortgage loan with this company. I was not only delayed 5 days, during which time I was rendered homeless, but I was also unnecessarily charged {$810.00} at closing to " buy down '' my rate. Though the official Closing Disclosure which was reissued to me on XX/XX/2018, it wasn't explained to me that I was being charged .375 % of loan amount for " points. '' The lender, XXXX XXXX, sandbagged my loan though I explained on XX/XX/2018 that serious circumstances existed which may affect my ability to qualify. Instead of advising me at that time that they would not be able to fund me, that it might affect my rate, or that my closing date might need to change, we moved forward unbeknownst to me that my loan was in trouble. We didn't have a substantive dialogue until XX/XX/2018 around XXXX ... 3 hours after I could officially terminate and receive my Earnest Money back under the auspices of not being able to qualify for the loan. Again, if customer service would have been stronger and very important details would hvae been communicated to me during the mortgage process, I would not have been blind-sided by their charge. On XX/XX/2018 they informed me of their proposed " new rate '' of 5.5 % which, to me given the fact I'd disclosed the change in financial circumstances, was a money grab by Guild Mortgage plain and simple. 
I am especially disappointed in XXXX XXXX, the branch manager. He blamed me for the loan not closing and laughed at me when I told him that Guild Mortgage should pay for my hotel expenses due to his company 's inability to fund me on time for closing : XX/XX/2018. Instead of reassuring me that we would close the loan as soon as possible and to the best of their abilities, he told me it was my fault that the loan wasn't closing on time - I explained that I had told XXXX XXXX about the circumstances which had changed which could affect the loan closure and he remained adamant it was my fault. Along the way, I voiced my complaints about their business to both XXXX XXXX at the district level and XXXX XXXX VP at corporate..to no avail. Their customer service is terrible and consumers need to know how they conduct their business, especially about their confusing fees which are revealed at the closing table like my {$810.00} charge.
Consumer complaint received 2020-11-09
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. (MD)

I sent Transunion my FTC Identity Theft report showing the inquires that where place on my credit file, that was not authorized by me. XXXX  and XXXX  where able to remove the inquires from there reports. TransUnion failed to look into this isssue. I sent a report, spoke to a representative via phone call to TransUnion who was unable to help me. remove these items from my credit report, even though I sent via certified mail all supporting documents needed. Also I'am requesting the removal of the fellowing Collection off my credit file due to Identiny Theft : XXXX XXXX Account Number : XXXX amount {$2700.00} ' I have sent in supporting documents to show errors and nothing has been removed or deleted. It comes back verified. I'm asking for a signed copy with my signature stating I have a contract with this company. TransUnion on many occassion have failed to provide me with proof other then XXXX that they have a signed original signature contract with this 3rd party collection compant XXXX XXXX $ XXXX have sentin supporting documents to show errors and nothing has been removed or deleted. It comes back verified I'am asking for a signed copy with my signature stating I have a contract with this company. XXXX  and XXXX  where able to delete and remove this company from there credit files.
Consumer complaint received 2019-04-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

When I opened this account I told them that I was wire transferring the money that I had from my XXXX  XXXX XXXX account thier account and they never informed me that they where going to put a hold on the funds so I completed the transaction and they have a hold on it know and it still has a hold still on it untill the XXXX they are telling me. The wire transfer happened on the XXXX. They got the money out then is thier any way you can help me with this? On top of that they have even placed a lock on my account and I can't view it online. They told me that it would take 24 to 48 hours for them to take the lock off.
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC (IL)

On XXXX XXXX I seen that a collection from a utility company appeared on my credit report. I called the collection agency and they settled with me for half of what I owed. The original amount was XXXX and they settled for XXXX. Before I made the payment TSI the collection agency told me they would put in for deletion once it was paid. I paid it at the settlement amount and now they refuse to delete it from my credit reports. I feel they deceived me to collect the funds. I would have never agreed to settle if they were going to leave it on my report. 

TRANSWORLD SYSTEMS I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (GA)

I have been working on my credit with Experian, XXXX, and XXXX for the last few months and while some stuff was removed, a good bit was still there. I asked them to provide proof of debt owed and neither them or the debt collector has provided me any proof via mail of account information, contracts, signatures, etc. This is unacceptable because it's illegal to have wrong information on my credit report.
Consumer complaint received 2020-11-09
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. (NY)

I have been continuously disputing this account multiple times. I have been reaching out to Credit Bureaus and XXXX XXXX XXXX hoping that they would resolve this issue. The account I am disputing is XXXX XXXX XXXX account number XXXX. The account continues to report as late in XX/XX/2020. Please know that this late payment happened during the National State of Emergency which I made the bank aware of. First, I am disputing this account because I though t I was able to fix this with XXXX XXXX XXXX when I called them regarding my payment. This should not be reported as late in my credit report. I know that like any other bank, XXXX XXXX XXXX has a protocol based on the Cares Act that you would let the payment pass for that month due to Pandemic. I need this late payment removed from my credit report immediately. 

Second, this account reflects 0 payment made each month since XXXX. This is an open current account so I dont know why the payments are not reported.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Credit Karma (FL)

I moved in XX/XX/XXXX to a new house, and I went online and changed my address in all my credit cards, including " XXXX '' from XXXX XXXX. On XXXX XXXX, I used the card for {$24.00}. During XX/XX/XXXX and XX/XX/XXXX I tried to access my online account with no success, the website was under maintenance. Earlier this month they sent me a letter saying I was 60 days late in my payment. I called them right away and explained them what happened during the last 2 months. They admitted their mistake and waved the fee, I did a payment just for {$24.00}. At that point the website was still " under maintenance ''. After some hours on the phone they realized that I did n't have an " online account '' even when I do. They explained me that the new card with the chip is considered a new and different account, so I had to create a new online account for that, but they never sent me any information about it. Despite they assumed the responsibility, my score credit dropped more than XXXX points and I called XXXX XXXX again, they suggested me to file a claim in order to fix this derogatory mark. Before this incident I had a XXXX % in my payment history. This issue affect my wife because she was an authorized user.
Consumer complaint received 2023-01-18
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: Fidelity National Information Services, Inc. (FNIS) (LA)

remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2022 off my report with monetary relief
Consumer complaint received 2024-03-05
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. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.