davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im a victim of identity theft. I have inquirys in my credit report I do not make. Please block these inquirys from my credit report because they are fraudulent landmark financial XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX XXXX  XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX   XXXX XXXX. XX/XX/XXXX. XXXX XXXX  XXXX XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX   XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX. XXXX. XXXX   XXXX. XX/XX/XXXX. XXXX/XXXX. XX/XX/XXXX. XXXX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WI)

Freedom Mortgage has stated that I didn't make my payment in XX/XX/XXXX but I have a canceled check for this payment. They have charged me a late fee and added a mark to my credit report. I emailed them and was told they would send me a letter with the results of their investigation. To date I have not received any letter explaining what they found and they are now contacting me repeatably alleging I didn't make the payment.
Consumer complaint received 2018-11-28
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)

XXXX XXXX has been reporting a credit card debt as being charges off, not paid and deliquent instead of the truth- this account was closed and has been completely repaid through a court docuemented consent agreement. I disputed this issue with XXXX XXXX, their collection agency, XXXX XXXX, as well as the credit bureau, but they wont fix it and it is still affecting my credit negatively. I have a court document showing that the debt has been paid in full and have included it. XXXX XXXX should not be allowed to keep validating their bad information reporting when I dispute this issues with the credit bureaus. This document proves they are wrong and it needs to be corrected.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

XXXX I was unable to log in online on my account so I reached out to Citibank customer service to help me resolve the issue. 
XXXX this is the date that my social security check was to hit my account and be available to me. 
XXXX was told by customer service that I needed to speak with a fraud department to gain access to my account again but they were closed so I would need to reach out to them the next day. 
XXXX this is when I was able to reach the fraud department and found out that my account had in actuality been closed on the XXXX. I asked about my social security check and was told that social security had not sent my check and that I would not need to call social security and discuss this with them. 
XXXX I call social security they said that yes it had been sent out to that account and that per protocol, if the account closed on the XXXX, then it wouldn't be able to be deposited on the XXXX and on the XXXX it should be sent back to social security. And they would then be able to deposit into another account that I gave them the routing information for but they made it clear that this process would take at least 5 days to do. 
XXXX my social security check had not reached my new account yet so I called social security to see what had happened and they said they had not received it back. They also gave me a tracking number for the check. 
XXXX this is when I found out from Citibank that my funds were " forced '' on the account on the XXXX and that they shouldn't have been able to be placed in that account because the account was closed on XX/XX/XXXX. And so they had actually received it on the XXXX when I talked to them and yet they did not even place it in my account until the XXXX. when my funds are supposed to be available on the XXXX of each month. and I was also informed that it would take 30 to 60 days for me to receive a check by mail unless I could get to a branch and get the money from them. I live by XXXX, Washington the nearest branch is in XXXX, California. 

And I haven't even told why all this is happening. I have no idea why they closed my account I don't know why funds were placed into account an account 3 days after it was closed, 3 days after I had no online access. I had no access to the funds. I have bills to pay. I have to pay my rent I'm screwed. I can't even feed my dogs. What do I do now?
Consumer complaint received 2024-03-06
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. (TX)

I am challenging the account being furnished on my credit report with the account number XXXX. XXXX, Transunion, and XXXX failed to conduct a proper investigation and remove this inaccurate account. On XX/XX/2022, the account XXXX XXXX XXXX was placed with XXXX XXXX XXXX for further collection. I am confused why there is a balance reporting for the account XXXX when this debt was sold and is no longer with XXXX XXXX. This debt is passed the statute of limitations in the state of Texas and is uncollectible. You may contact XXXX XXXXManaging Attorney from XXXX at XXXX if you would like to discuss the details of the account. You failed to report this account according to FCRA regulations and I am demanding that this account is removed from my credit report.
Consumer complaint received 2022-12-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

XXXX XXXX I found out from my credit report someone opened an account with Bank of America. I called them they said they would close the account and look into it. As of XXXX XXXX I am getting past due owed money and they destroyed my credit score. I called them XXXX and they said they would take care of it, refused to provide me with a case number for the second time. Person opened account with a wrong address and used my maiden name.
Consumer complaint received 2022-12-04
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: EQUIFAX, INC. (CA)

Ref : XXXX - Filed and Submitted to the CFPB on XX/XX/XXXX Starting in XX/XX/XXXX I requested the original loan paperwork from a new servicing company XXXX - this was after my loan was transferred from XXXX XXXX XXXX XXXX XXXX no payments were missed during this time and the payback period started as soon as the loan was disbursed. The company has not been able to provide the original loan information and is now listed loan as a variable rate. The account transfer was complete I started receiving monthly interest rate increase notices on a monthly basis, the letter mentions the interest rate increase is effective the day the letter was issued. When asked for the payment history company said that they have not been able to locate the payment history or paper work from the previous provider. 

FROM XXXX - XXXX XXXX XXXX On the Last Day the Complaint was Open - XXXX was XXXX to obtain the information from the loan owner because the documents are unavailable. We sincerely apologize for the inconvenience experienced as a result of the matter. Lastly, as a result of late payments, unfavorable information was submitted to the consumer reporting agencies for XX/XX/XXXX through XX/XX/XXXX. 

FROM XXXX - XXXX Dated XX/XX/XXXX ( Only Letter Received About Any Debt ) An attempt to change the loans XXXX rate to 0 % backdated to XX/XX/XXXX, in order to collect debt but no amount or other information is provided... 

The Letter States - " This letter is for Information Purpurposes and it not an attempt to collect '' At the bottom of the letter : " This is a communication from XXXX XXXX  XXXX, XXXX with may be considered a debt collector. "
Consumer complaint received 2022-12-04
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. (CA)

Ref : XXXX - Filed and Submitted to the CFPB on XX/XX/XXXX Starting in XX/XX/XXXX I requested the original loan paperwork from a new servicing company XXXX - this was after my loan was transferred from XXXX XXXX XXXX XXXX XXXX no payments were missed during this time and the payback period started as soon as the loan was disbursed. The company has not been able to provide the original loan information and is now listed loan as a variable rate. The account transfer was complete I started receiving monthly interest rate increase notices on a monthly basis, the letter mentions the interest rate increase is effective the day the letter was issued. When asked for the payment history company said that they have not been able to locate the payment history or paper work from the previous provider. 

FROM XXXX - XXXX XXXX XXXX On the Last Day the Complaint was Open - XXXX was unable to obtain the information from the loan owner because the documents are unavailable. We sincerely apologize for the inconvenience experienced as a result of the matter. Lastly, as a result of late payments, unfavorable information was submitted to the consumer reporting agencies for XX/XX/XXXX through XX/XX/XXXX. 

FROM XXXX - XXXX Dated XX/XX/XXXX ( Only Letter Received About Any Debt ) An attempt to change the loans instress rate to 0 % backdated to XX/XX/XXXX, in order to collect debt but no amount or other information is provided... 

The Letter States - " This letter is for Information Purpurposes and it not an attempt to collect '' At the bottom of the letter : " This is a communication from XXXX Back XXXX, NA with XXXX be considered a debt collector. "
Consumer complaint received 2023-06-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, with XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

The mortgage company change the apr and monthly payment and did not send any notification of the changes to my address, their customer service department, has People who are not even qualified to answer questions they give you wrong information over the phone then they expect you to tolerate their inconsistent behavior and lack of knowledge.
Consumer complaint received 2022-07-12
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)

XXXX.Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Amount owed : XXXX Date : XX/XX/2022 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 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (WI)

On XX/XX/2022, I received a notification that a fraudulent transaction ( {$200.00} ) has been been made with my debit card. I called Ally Bank and confirmed that it was not authorized. I then disputed the transaction and was told that it would be investigated. On XX/XX/2022, I received a letter stating that the transaction is considered authorized because the transaction was " completed with a merchant with whom you have established a relationship ''. I do not know who the vendor ( XXXX ) is and I know for a fact that I did not make the transaction.
Consumer complaint received 2023-06-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO. (AZ)

On XX/XX/2023, I submitted an application, which contained my Social Security Account Number as well as my Electronic Signature through the Ford Motor Credit Company. 

On XX/XX/2023 I overnighted my Initial Notice in the form of a Letter of Introduction to the CFO, Attorney-in-fact, and the FORD CREDIT AUTO OWNER TRUST Trustee informing them collectively that I, in good faith, am extending my credit and exercising my right to credit. I submitted an endorsed Offer to Purchase with the Initial Notice. I also informed them collectively not to deny my Consumer Credit Protected Rights per the Equal Credit Opportunity Act. 
( TRACKING # : XXXX, XXXX, XXXX ) On XX/XX/2023 I received a vague Notice from FORD CREDIT EXECUTIVE OFFICES stating what factors they may use to approve/deny applications. [ my initial notice addressed that I was exercising my consumer credit protected rights to credit ] On XX/XX/2023 I received an adverse action notice stating FORD MOTOR CREDIT COMPANY stating they denied me my right to credit. The adverse action notice did include that the Federal Equal Credit Opportunity Act PROHIBITS CREDITORS from discrimination against the credit applicant on the basis ofor, because the applicant has in good faith exercised ANY RIGHT under the Consumer Credit Protection Act. 

If Im not mistaken, I was supposed to receive that denial within 30 days of application for credit. Nor was I to be denied/discriminated against.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to Section 1681i ( 7 ) of the U.S. Code, the method used to verify this account is flawed as it was reported without sufficient evidence. 

I want to emphasize that I did not open these accounts nor did I authorize anyone to do so on my behalf. I have been disputing these entries for some time now. While I acknowledge the importance of accurate reporting, I firmly believe these items are erroneous. Therefore, I urge you to investigate these matters and promptly remove them from my credit report.
Consumer complaint received 2023-06-30
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: VANDERBILT MORTGAGE & FINANCE, INC (DE)

I had a foreclosure with Vanderbilt mortage in XXXX I sent the correct information to them from Vanderbilt with they stated that they report for XXXX and after several disputes they keep reporting the foreclosure for XXXX and thats not correct
Consumer complaint received 2021-06-13
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. (IL)

I have a Hard Inquiry on my credit report from XXXX/ XXXX XXXX XXXX I do not know where this Hard Inquiry came from, and I did not authorize this Inquiry on my Credit report. I do not know who XXXX XXXX XXXX XXXX is. Requesting the hard Inquiry to be removed from my Credit Report.
Consumer complaint received 2023-06-30
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. (IN)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2023-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2024-03-06
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. (VA)

I have written to this credit bureau on XX/XX/22 requesting proof of how the debt was validated. I asked for the original signed contract. Accounting records and proof of how this debt was verified. The company stalled asking for Id and proof of address when the information was already sent to them. I do not recall signing a hipaa release for this company to release information. I asked for a copy of that as well. The company failed to provide proof of how this debt was verified only that it was violating my rights
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was first contacted by XXXX on XX/XX/XXXX. They offered me an interview for an internship. I wasn't suspicious at all because I had applied to around 20 internships in XXXX, so I thought this was just another company I had applied to. After the email, they told me to download and join XXXX XXXX in which we would communicate with each other. During my interview process, I was interviewed by someone named XXXX XXXX. After my text interview, I was told that I had been accepted for the position. They told me it would be a remote internship in which I would be paid {$25.00} an hour biweekly. At this point, I still wasn't suspicious because this seemed normal for an internship. Then, they sent me a form that I had to fill out to accept my offer for the internship. They stated that I would start my two weeks of training on XX/XX/XXXX. Then, they sent me a check for {$1800.00}, and they told me to deposit it in order to buy materials for the internship. They told me the money would be used for a computer. After the check was deposited, they told me to I had send XXXX XXXX the check money so she could get the specific computer that I needed, and I was told to send it in two amounts in order for it to process. I sent XXXX two payments, {$980.00} and {$880.00}. After I sent the two payments, they proceeded to send me another check stating that the money was going towards more materials. I didn't deposit the second check, and I decided to call the company, XXXX, the next day to confirm that this internship was real. After I called and confirmed that the internship was not real, I immediately called Bank of America in order to put a claim in. They transferred me to XXXX where I put my claim in for the wired transfers. After, they told me to be patient and the XXXX money would be transferred back into my bank. I told them that the check was more than likely fake, and that I needed to do something about that because I didn't want my account to be negative. The Bank of America representative told me the check went through, so I shouldn't worry about a negative balance or the bank taking back the check money ( even after I already transferred the money to XXXX XXXX. On XX/XX/XXXX, my account was - {$1700.00}. Then, I got an email saying that my claim was denied, they were unable to do anything about the scam and I had to pay the negative balance. I called Bank of America once again, and they said that they couldn't put a claim in for the check because the money was already back in the original person 's account. Now, I am stuck with a negative balance, and I do not have any other solution or option. I had all of the texts and emails starting from the email saying that I was accepted for an interview to the last day we talk. Please contact me if those documents are needed.
Consumer complaint received 2021-06-13
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. (IL)

I have a Hard Inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX. I do not know where this Hard Inquiry came from, and I did not authorize this Inquiry on my Credit report. I do not know who XXXX XXXX or XXXX XXXX XXXX is. Requesting the hard Inquiry to be removed from my Credit Report.
Consumer complaint received 2023-06-30
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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