davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ND)

We have been on a Forbearance Plan which was offered by XXXX XXXX Mortgage numerous times due to XXXX being a Veteran. We elected this option and were guaranteed there would be no reporting of negative information on our credit report. However, the company continues to report negative information. 

I have called the company 3 times to get this resolved. The second time, XXXX I was told the matter would corrected and a letter sent out confirming the negative information would be removed. I never received the letter, however I did receive a statement. I called the company again today. I was told again no negative information should have been reported on the account since XX/XX/2021 because the account was " coded for protection '' from modification to Forbearance again because of it being a VA Loan. The representative even offered another Forbearance since ours is soon to end, again. 

I informed the representative it was imperative to get this issue resolved or I would be reporting to CFPB. This been so frustrating. We would never done the modification or Forbearances had we not been offered or had known our credit was going to be affected negatively. We feel the company needs to better train their Representative 's on how these programs work. We have spoke with several Representatives over the pas months and we continually told our loan has been in 'protected status ''. Due the misinformation provided to us we want our credit report fixed asap. 

Thank you.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

My Full First name is 'XXXX XXXX XXXX and my Last Name ' XXXX XXXX So my total Full name is " XXXX XXXX XXXX '' as per state government-issued ID. I have got my credit report from Experian when I first looked at it showed me my name as 15 names. The same name is shown on the Experian report in different ways wrongly. 


XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had 4 transactions made out of my account that I didn't do. The way I found out that the transaction were made was when I was trying to use my card and had no funds. I called bank of america. They way we were able to track what transactions weren't mine. The way the their took out the money from the account was they checked the balance first and then they did a withdraw so each time they checked they wouldn't overwithdraw. Also some of the transactions were made in banks of America Iocations I have never been too. This is like the third time I get scammed and gave to fule a claim only this time no one is helping. All they asked for was a picture of my I.D and still denying the claim. I need my XXXX $ as soon as possible. Please help me they have denied my claim over 5 times
Consumer complaint received 2021-03-10
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. (OH)

I have an collection account on my credit and I reached out to the company. They sent me an email stating the issue is resolved and gave me a their party to contact which I did and they don't respond. The loan wasn't opened in 2018. I didn't do that.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

My grandmother, XXXX XXXX, passed away XX/XX/XXXX and I was a POA for her and a co-trustee, surviving through her passing, co with my sister XXXX XXXX. She'd opened the account at wells many years prior and the Trust name is XXXX XXXX XXXX dated XXXX. My mom had passed and the trust docs were updated again. At the time of updating the account, there were several difficulties with Wells recognizing us as co-trustees. We've seen this where the bank doesn't 'like ' to have co-trustees since they fear conflict. Therefore, we decided to keep ourselves as acting POAs. However, we were assured that if death were announced to the bank, then the status would be updated to the co-trustee status which the trust documents clearly express. Wells discovered XXXXXXXX XXXX death on their own and set up a requirement that XXXX and I show up together to update the account as co-trustees, rather than just enter it as shown in the trust docs. Wells pretends they can't do this even though they were given the docs when updating the account name to the trust name, and the trust repeatedly says we are co-trustees of this Wells account, through the passing of XXXX and by her own election in the XXXX update. As well, they pretend they can't do a session where myself and XXXX go to our own respective, nearest branch, and do the update ( which would be appropriate since I live in TX and XXXX in AZ ). They suggest I'd have to be physically present and this is not necessary or appropriate.
Consumer complaint received 2022-07-06
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. (ND)

We have been on a Forbearance Plan which was offered by XXXX XXXX Mortgage numerous times due to XXXX being a Veteran. We elected this option and were guaranteed there would be no reporting of negative information on our credit report. However, the company continues to report negative information. 

I have called the company 3 times to get this resolved. The second time, XXXX I was told the matter would corrected and a letter sent out confirming the negative information would be removed. I never received the letter, however I did receive a statement. I called the company again today. I was told again no negative information should have been reported on the account since XX/XX/2021 because the account was " coded for protection '' from modification to Forbearance again because of it being a VA Loan. The representative even offered another Forbearance since ours is soon to end, again. 

I informed the representative it was imperative to get this issue resolved or I would be reporting to CFPB. This been so frustrating. We would never done the modification or Forbearances had we not been offered or had known our credit was going to be affected negatively. We feel the company needs to better train their Representative 's on how these programs work. We have spoke with several Representatives over the pas months and we continually told our loan has been in 'protected status ''. Due the misinformation provided to us we want our credit report fixed asap. 

Thank you.
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc (DE)

Synergetic communications, Inc sent me a letter stating that I owed the amount of {$550.00} with a discount offer of {$160.00}. 
The client that Synergetic com Inc, represents is XXXX XXXX  Overdraft. I've never owned a " XXXX XXXX  '' account. 

I'm asking to erase this from my credit account. 

I'm seeking for this company to prove, dates, signatures, identification, and validation of ownership of this account. I'm also seeking to investigate this company for fraudulent activity.
Consumer complaint received 2024-03-08
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In 2018 my account at Bank of America was closed by one of my trusted business associates stole my card frauded a check from a company I work still today. The the organization understood what happen and fired that individual. The check I was just informed was for {$600.00} and the bank closed the account. 

The church / organization has no issue voicing for this misunderstanding so that this decision can be reversed. 

I have struggled as a student to get an account and this has affected me even now with trying to get a joint account with my fianc.
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I received an ad on XXXX about automated blinds. I inquired, and XXXX XXXX XXXX called and came to quote in person. At that time the representative ( XXXX XXXX ) prepared an invoice and requested {$1600.00} as a deposit which was paid via Zelle. The remaining {$400.00} was to be paid upon completion. Initial scheduled date was XX/XX/XXXX, but nobody showed up. In the afternoon a received a call claiming the warehouse got flooded that's why they did not show. Rescheduled for Monday XX/XX/XXXX, nobody showed up and no reply to my text inquiring about it on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I attempted another contact, was told coming on XX/XX/XXXX, another no show. On XXXX attempted contact requesting a refund. The business replied that they'd drop off the check. No check was ever delivered nor electronic transfer. XX/XX/XXXX another contact was attempted with no resolution nor refund. Several other attempts were made to the business with no response. I bank with XXXX XXXXXXXX XXXX who investigated the claim but were unable to resolve since the business banks with XXXX XXXX. I tried to resolve with XXXX XXXX who indicated to resolve with XXXX XXXX XXXXXXXX. They go by XXXX XXXX XXXXXXXX XXXX XXXX but the registered name of the business is XXXX XXXX XXXX. There are multiple businesses under the owners. The owner is a convicted felon and there are numerous complaints and lawsuits for theft and fraud including healthcare fraud.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-02-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (IN)

Transworld systems has been reporting to all 3 credit bureaus, false and INACCURATE, UNVERIFIED information on my credit report. Not once have they even attempted to validate this so called debt which does NOT belong to me. 

i have requested validation, not verification of this so called debt that have been reported to them by XXXX XXXX. I have recieved a response that clearly VILOATES my HIIPPA. Transworld systems failed to provide me a HIIPAA release that releases any medical information to them, therefore they are in VILATION of my HIIPAA rights. I am aware of this violation and i plan to proceed with any legal action as prescibed by law against your company as well as Transworld and XXXX XXXX  for these violations if this item is not DELETED within the time allowed by law. I will also file suit against Transworld as they are held responsible for reporting this violation. 

i urge you to take this matter serious and I expect a response from you within the allotted time given by law. 

regards, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, indiana XXXX
Consumer complaint received 2022-12-03
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: CLGF Holdco 1, LLC (CA)

In accordance with fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 1681 section 603 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 15USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose
Consumer complaint received 2022-03-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AK)

I received a letter from Specialized Loan Servicing that they have cancelled my home insurance policy because I have no proof to show them evidence that I updated my insurance. I have called Specialized Loan Servicing since the XXXX of XX/XX/2022 and talked to their agent regarding that I have an updated proof of my home insurance that I got from XXXX Umbrella insurance that has been effective since the XXXX to XXXX. I have been told by different agents that they have received my updated policy and different agents told me they havent on their data base system. I have been transferred several times by an escrow department and waited for over an hour for an agent to reach me back. An agent told to email my updated policy insurance to XXXX or go to : XXXX. I have been sending them documents every week and keep checking on the status if SLS department received my updated policy. Unfortunately, no response. I have been ignored for weeks. I have been checking my emails and no reply back from them for weeks. I decided to write the XXXX XXXX XXXX XXXX, The Federal Trade Commission & the Consumer Financial Protection Bureau for not being lacked not replying back to me and being transferred to different departments that they can not answer my question. Different agents said they got my updated insurance policy and some agents said they havent. I dont know who is telling the truth to me, but it frustrates me that I got the mail today that they cancelled my policy and noted : Return Insurance Refund I have taken a photo of this paperwork that I received from them in mail. I am a U.S. Veteran, a business owner, a XXXXXXXX XXXX XXXX from the XXXX XXXX XXXX XXXX, and a XXXX XXXX Degree holder. I Have never been humiliated by this Specialized Loan Servicing for not helping me out when I emailed them several times on my XXXX Umbrella Home Insurance. Please investigate on the agents who took my call and please investigate why they cancelled my home insurance policy when its already been updated through my military insurance. Thank you.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Information which has not yet been verified to be 100 % accurate as required by the FCRA is continuing to be reported on my credit report. I have tried numerous times to get this off my report and always am ignored.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

On or around XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent letters via certified mail that also included a copy of my driver 's license and a utility bill to verify my identity to Resurgent/LVNV Funding. I sent the letters after I obtained a copy of my consumer report and I saw that they were reporting a debt. I requested verification that shows it was me who owed the debt. I requested to have the documents with my original signature as I am a victim of identity theft and have identified several names and addresses on my consumer report. Resurgent/LVNV Funding has failed to provide me with the proper disclosures for verification of this debt however they continued to send letters and call me to collect on a debt that I do not know of.
Consumer complaint received 2022-10-08
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. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-22
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. (PA)

Pursuant 15 USC 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report under following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I XXXX XXXX as the consumer has NEVER gave any consent for XXXX, XXXX or Equifax to furnish this account ( XXXX XXXX XXXX  ) and inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on my consumer report! As consumer reporting agencies, pursuant to 15 USC 1681e ( b ), you're failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report. Your actions is damaging my reputation, character, credit worthiness!
Consumer complaint received 2022-07-06
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

As a follow-up to CFPB complaint # XXXX, I am submitting an additional complaint, as the Company has failed to fully reply to my concerns and requests, and there are remaining issues. Please see attached letter for complete details. In summary, the Company is not fairly addressing my disputed transactions, is procedurally biased in favor of the merchant, and may be in violation of the letter and spirit of the Fair Credit Billing Act.