davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am challenging the incorrect information with XXXX  XXXX XXXX where all 2 Bureaus XXXX and Transunion have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was. The account is being reported as a Charge Off and by law, you can not collect on a charge-off account nor report it monthly.

I contacted all 2 bureaus XXXX, and Transunion as well as XXXX  XXXX XXXX. Well, the law states that with a charge off a company can no longer collect on the debt because they wrote it off to the IRS. This is a cancellation of debt. I received a 1099 C in the mail and had to file this with my taxes. I then know that you can not report income to the credit to my consumer report. All reporting agencies prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. This is inaccurate information and I need it deleted immediately.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

I have been with Victoria Secret for years. There is a negative remark on my report from a time I went into the store to make my payment, as I was cashing out. The clerk said her computers were messing up, but assured me it went through. I believed her. I just went to apply for a vehicle last week, and it's still there. I have called and talked to many supervisors and they said they can't help me. Look at my history with them, NO LATE PAYMENTS. This was not my fault
Consumer complaint received 2022-12-14
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. (IL)

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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX ARE REPORTING AN UNPAID ATT XXXX XXXX XXXX FOR AN UN RETURNED CABLE BOX. THIS IS NOT CORRECT THE BOX WAS RETURNED AND THE ACCOUNT WAS PAID TO XXXX. MY CONFIRMATION NUMBER IS XXXX. I SPOKE WITH EMPLOYEE XXXX AT XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (TN)

Last 4 of SSNXXXX RE : XXXX XXXXI 've previously requested my consumer report from you & provided all the necessary documentation I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXXPlease tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? Supply your response within 15 days or delete the trade-lines.
Consumer complaint received 2019-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX p.m. on Sunday, XX/XX/2019, I completed all of my banking for the week because I was traveling for business the next day. I made sure I had enough to cover all of my bills and all of the upcoming expenses for the week ahead. Much to my surprise, I received an email from Bank of America on Monday morning, XX/XX/2019 at XXXX XXXX. reporting my account had insufficient funds. I was terrified and thought maybe my account had been hacked. When I went online to investigate, I noticed XXXX XXXX attempted to withdraw {$2100.00} from my checking account. I immediately called the Bank of America ( BOA ) Call Center to alert them to stop the payment to XXXX, that it was an error. They told me " there was nothing they could do and that because the payment was processing even a stop order would not work. '' I explained how I needed the funds for travel and repeatedly asked for help. The next day, after receiving four ( 4 ) alerts for insufficient fund charges, I again called the BOA Call Center. First they told me my car insurance was paid. Then they told me it was not paid. I again told them XXXX should not have been paid. After receiving THREE ( 3 ) MORE  insufficient or overdrawn fund charges, I then received an additional ( 1 ) overdrawn fee in my other checking account because a transfer could not be made to cover a check for my car registration. In addition to the {$280.00} in BOA charges for the week, I was left without money for food and gas for my car ; I received numerous late fees for the payments I scheduled ; I could not purchase my low cost, return home, airfare ticket, which has now more than doubled and I do not know how I will get back to Florida or retrieve my vehicle from airport parking. Additionally, I am now marked late to several creditors, could not pay my car payment, which resulted in another late fee and charges. I can not put a price on the emotional cost - being away from home without any money is a horrible and scary event. Sadly, this is not the first time BOA has done this to me. I am of the opinion that they process checks in a way that is self-serving to the bank and damaging to the consumer. I simply can not afford to use BOA and will be switching banks as soon as this is resolved. Lastly, I do plan on notifying the media because my friends and family complain about the same issue with BOA and what they refer to as " thievery. ''
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I am so Tired of this XXXX from Equifax everytime I file a dispute on my credit report I can't either see the results or the website is down. How many XXXX times do consumers have to go through this XXXX with Equifax? And you XXXX CFPB government agency does nothing about it. You need to stop Equifax from getting away with this XXXX!! I filed a dispute a month ago on three items on my credit report. I got an email back saying Equifax investigation was done on XX/XX/XXXX and I could view my results online. So for the last four days I've been trying to view my results online and the website won't let me and keeps telling me that service is unavailable, WHAT? So I just called Equifax to fix the problem and I spoke to a customer service rep that's from out of the country and you can't understand a word she says so I gave her all my security information, answered security questions and all for her to tell me she's sorry she can't fix the problem and I has have send a request in writing, WHAT? XXXX XXXX Equifax this is XXXX!! Why can't I view my results online like you said I could according to the email? This is my credit report and you are violating my rights by keeping it from me after I filed a dispute. I am tired of your XXXX POOR CUSTOMER SERVICE PRACTICES!! I want the results of my dispute and I want them NOW you XXXX and I want to view them online like I'm supposed to be able too!! 

You XXXX CFPB needs to step up and put Equifax in check. This is XXXX what there doing to consumers!
Consumer complaint received 2018-04-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ORG GC GP BUYER, LLC (AZ)

My first contact notice from GC Services ( XXXX XXXX ) of XXXX, Tn. was in XX/XX/XXXX of XX/XX/XXXX, and I responded with an explanation and a packet of information showing the debt had been dismissed in bankruptcy in XX/XX/XXXX ( Certified mail receipt XXXX XXXX XXXX XXXX XXXX ). The second notice was in XX/XX/XXXX of XX/XX/XXXX, and company ignored my formal request ( s ) for them to provide written proof that the debt HAD NOT been dismissed. I answered the second notice in XX/XX/XXXX( Certified return receipt : XXXX XXXX XXXX XXXX XXXX ), disputing the debt, and re-iterating that the debt had been dismissed. I once again asked them to provide documentation showing they had a valid, collectable debt. I never received a response to either of my requests. Twenty ( 20 ) months later ( XX/XX/XXXX ), I received another collection notice that implied I had been avoiding their collection attempts, and they threaten to take other action ( s ) against me. I responded again summarizing the previous Two ( 2 ) responses, and informing them I was disputing the debt, had not re-affirmed the debt, and informed them they were in violation of Federal Collection laws by not providing the requested documentation and continuing with collections. My response was sent Certified with return receipt XXXX XXXX XXXX XXXX XXXX. It was received by the collection agent on XX/XX/XXXX. The collection agent wrote yet another notice that same day, requesting payment, and once again ignoring the fact that the debt had been dismissed, and ignoring my requests for documentation.
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IN)

I initiated a mortgage application to refinance a primary property I purchased in XXXX of XXXX. Day of closing my loan officer shows me the pay off from RoundPoint Mortgage Servicing and they are trying to be paid {$1700.00} for " Taxes paid ''. I had a tax proration on my purchase when I closed. I owed the tax proration plus the following year of taxes by XXXX of XXXX. I paid taxes due on XX/XX/XXXX on the county treasures website for the tax proration from the previous year and the entire year due. After calling Roundpoints customer service line about this, they essentially said that they were allowed to charge me what they want without providing any written notice more than once. They kept stating they sent me a letter in the mail saying if taxes were not paid within 75 days they would pay it an force escrow. XXXX XXXX stated the letter was sent out towards the end of XX/XX/XXXX. Roundpoint did not do a check to verify if taxes had been paid or not and sent a check to the county treasures office. Now today ( XX/XX/XXXX ) I am trying to close on a refinance and have to be delayed because Roundpoint will not update their payoff letter today removing their irresponsible charge of {$1700.00}. The front line agent was rude and disrespectful and her supervisor XXXX XXXX upon the initial call was rude and disrespectful as well. Both wanted to talk in circles about them having " the contractual right '' to charge me money with out notice and force escrow. Who is responsible to make sure they aren't irresponsibly charging/escrowing fees to their customers? I am attaching the letter they said they sent and I never received. Also, I will be attaching my paid receipt for taxes paid in XXXX and lastly, I am attaching the payoff I requested for the refinance.
Consumer complaint received 2019-07-01
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 reported the following accounts to Experian as disputed and inaccurate Ars # XXXX No Contract- No Verification or Validation of debt amount- No proof that XXXX owns or has a right to collect anything on this account XXXX XXXX # XXXX No contract- No debt verification of Collection amount listed- No proof of ownership or right to collect debt XXXX  XXXX # XXXX No contract - No debt verification or Validation of amount listed- No proof of debt XXXX XXXX # XXXX No contract- No debt validation or verification of debt amount- No proof of debt amount in collection I have enclosed documents showing that these accounts are being reported inaccurately and should be deleted. I have filed complaints with the Consumer Federal Protection Bureau concerning these accounts
Consumer complaint received 2019-07-01
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. (ND)

Equifax and XXXX are reporting incorrectly ( 60 ) days past due on the XXXX - partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Consumer complaint received 2019-07-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC (SC)

I made {$45000.00} in payments for a XXXX bmwXXXX XXXX. Toward the end of the lease, I made payment arrangements, but was unable to keep up payments due to unemployment. The lease was for 3 years. In XX/XX/XXXX, I was to turn the car in, nothing due. I received two letters in XXXX and XXXX offering a new car to get a reduced payment from XXXX to XXXX. I asked to turn the car in at that time. BMW said no, it must be a voluntary repossession, even though they were trying to sell me a new car. They came and got the car. At that time I owed about {$4000.00} in lease payments. 

The car only had 27,000 miles on it, and had been appraised for {$31000.00}. 

BMW is now trying to charge me a residual fee of {$30000.00} plus another {$22000.00}. I knew nothing about a residual fee.
Consumer complaint received 2022-10-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MA)

I have been calling my mortgage company Truist formerly BB & t for over a year to get information on my lien with the FHA, I had a Covid forbearance and filed all paperwork unfortunately When Truist merged they never filed my required documents to HUD. In the last 2 months Ive been trying to refinance with a different company and can not due to HUD never received the signed and notarized paperwork, I have spoken with everyone possible from Truist and HUD and no one has any information to help me. Most of the time just when I think Im getting somewhere with Truist they hang up
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The following student loans were reported on my credit report. Based on my research, all government funded loans are not allowed to be reported. Thus, this is a clear violation of the FCRA. I disputed the accounts with Experian for several attempts to no resolution. Please CFPB, step-up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX   XXXX.
Consumer complaint received 2019-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I checked my personal credit report, which I acquired from all 3 major bureaus, on XX/XX/2019 and I noticed that this unauthorized inquiries were reported on my credit reports. 

I contacted the entities who are reporting the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I contacted Transunion in writing regarding incorrect names, addresses, and inquiries showing on my credit report on  XXXX   XXXX ,   XXXX   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and their failure to respond appropriately.   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and their failure to respond at all to my correspondence sent on  XXXX   XXXX ,   XXXX  .   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and have yet to receive a response.   Finally, I contacted Transunion in writing  XXXX   XXXX ,   XXXX   regarding duplicates of these inquiries showing up with current dates that are unauthorized by me and have yet to receive a response and all of the incorrect information is continuing to report on my credit report.
Consumer complaint received 2022-12-14
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. (LA)

This account is ilegally reporting on my credit record, This collection is violating my privacy and the XXXX XXXX. I would like for this collection to be removed from my credit record within 21 days. Thanks
Consumer complaint received 2018-11-03
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. (FL)

Equifax continues to report a fraudulent XXXX XXXX account on my credit report. They have sent me a letter to express that the account can no longer be reported by them. This account is the result of identity theft and it needs to be removed.
Consumer complaint received 2019-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm disputing the following accounts inwhich I have absolutely any knowledge of nor did I authorize such. But my main concern is why and how is the major credit bureaus reporting these accounts without certified physical documentation to support their reporting findings after these accounts has been disputed before, and a Method Of Verification was requested. Inwhich I never recieved, but re requesting now. I would like to know the name and title of the investigator, and inwhom did they speak with, what communication was used, fax, phone, email, etc. In concert with the FCRA either provide all the above or block these accounts immediately and permanently, ( 1 ) XXXX XXXX XXXX, # XXXX ( 2 ) XXXX/ XXXX XXXX XXXX ( 3 ) XXXXl {$3200.00} ( 4 ) XXXX {$1.00} XXXX
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

I have notified TD BANK, online banking department about a Marketing issue TD Bank and I have collobrated on errors. However, the issue according to TD Bank is " I did '' meet TD BANK marketing qualifications for opening a new Premier Checking Account. 

Detailed Summary : [ TD Bank correspondents acknowledges TD Bank has failed to met financial liability of 300.00 usd within the scheduled time frame of 95 to 125 days according to Premier Checking account ending in XXXX under account holder XXXX XXXX XXXX. ] This document officially introduces an correspondence effort in which expresses TD BANK has breach its online Marketing promotion banking agreement and Federal Banking Statute of the United States 25 U. S. CODE 3316 stats ( a ) when an individual enters an  agreement for obligated in return for financial assistance in which in this case is financial credits. Also, ( b ) requires a repayment of financial assistance provided, pro-rated for the amount of time obligated to obtain after customers agreement accomplished.