davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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)

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. 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 imXX/XX/XXXXn cant provide to my XX/XX/XXXXdaughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-06-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

This has been an ongoing problem for many months. I made my payments on time and confirmed all was well with Wells Fargo. Then they told me my payment was late and they charged off my account and won't allow me to make any further payments. 

I've written to the executive offices no fewer than 9 times requesting information and a conversation but I've received nothing other than form letters in return with no action possible.

I want to settle the issue properly, but I don't feel like the bank should have full control over what happens, particularly since their assessment of the situation is totally, provably false. I've presented my documentation proving my version of events. They refuse to even discuss the issue. 

Complaint Case # : XXXX
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report provided by Equifax. They need to fix the issues about the inaccurate information for the accounts and the unauthorized account reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the items that I am disputing : XXXX. XXXX XXXX {$420.00} XXXX. XX/XX/XXXXDismissed XXXX Reference number : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-07-28
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)

Due to possible inaccuracies in these CRA report, I must demand that the validation I herebly lawfully request be in form of a notarized statement by person with original knowledge of the debt as it was constituted and who can testify that debt was incurred legally product, was not subsequently disputed as result of returned, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address, rather, I am requesting validation, i.e., competent evidens that i had some contractual obligation sans consumer protection encumbrance which the original claims associated with this tradeline. 
Please know thet you have 30 days from the tracked and delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notation from the CRA reports.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX Date of Inquiry XX/XX/2020 XXXX XXXX  XXXX Date of Inquiry XX/XX/2020 XXXX XXXX  XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2020
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (FL)

checking account name XXXX checking number XXXX was opened on XX/XX/XXXX my  employer XXXX XXXX company send me a check funding for equipment purchase for {$4900.00} deposited on XX/XX/XXXX at Suntrust Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX on XX/XX/XXXX item was returned and overdraft fees applied {$36.00}, I had a balance inquiry fee of {$3.00} added to {$36.00} give me an overdraft total of {$39.00} made of fees only!!! since I received informations from Suntrust bank saying that this account is closed. I protest and strongly disagree as a delay as far 90 days is applied for overdraft payment to any checking account when the customer is in hardship wrongful employers. My name is XXXX XXXX, I went to the branch with all documentation and faced XXXX XXXX XXXX, telling that the account is active with a overdraft fees to cover as soon as possible, but over the phone the customer service employee keep telling me that the account is closed like she has something personal to deal with!
Consumer complaint received 2022-01-15
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. (NY)

These accounts listed were opened without my knowledge. My identity was stolen to open these accounts. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I wanted to remove my co-signer after 10 years of on-time payments. AES said the only way to do that was to re-finance. So I did. The new bank sent the payoff amount which was credited to my AES account on XX/XX/XXXX and resulted in a credit of approximately 57 dollars. I contacted AES to ask when the refund would be processed and to whom ( to me or to the bank who refinanced the loan ). They told me that in 5-7 business days the refund would be given back to the entity that made the payment. After the specified time had passed, they had still not processed the refund. So I contacted them again on XX/XX/XXXX only to be told that the process takes 30 days. When I mentioned the previous chat, the customer service representative had told me I remembered the details wrong, and straight up LIED to me about the what I was initially told. I asked for a copy of the original chat transcript for proof of what I was told and she said I would receive it in 5-7 business days. Holding on to an over payment for 30 days when the loan amount has been paid in full is unacceptable. 5-7 is  understandable as you may want to ensure that the payoff check has cleared but at this point, the new bank is charging me interest on that overpayment amount, so the check has most definitely cleared.
Consumer complaint received 2018-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I sold my home on XX/XX/2018. My wife inadvertently provided her personal credit card for the wire transfer, and approximately {$330000.00} was transferred to that account. We immediately contacted Bank of America to begin transferring those funds to our personal checking account, and we were told the process would take 2-7 business days because of " the large amount '' of the funds and because we needed a check for money laundering. 

We called back after 7 business days had passed and were told that it was actually going to be up to 12-17 business days. After asking whether Bank of America had performed all the checks they needed to perform already, we were told that yes, they had been. I explained that I was confused why in that case my money was being held hostage by the bank without interest, which seemed to be a violation of federal bank regulations. I was not given a reasonable response to why the funds were being held ; both the associate with whom I was speaking and her supervisor appeared sympathetic, similarly confused, but unable to help. 

At this point it appears to me that the bank is holding a significant amount of my cash hostage without reason other than profiting from the interest on it without any compensation to me. While this is a few hundred dollars of interest lost to me, across many this could add up to a substantial sum. I believe this is worth probing further.
Consumer complaint received 2022-02-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

I was denied by my servicer for a CARES Covid19 forbearance stating its because I had a CARES forbearance back in XXXX and completed in XXXX of XXXX with a partial claim. 
In XXXX of XXXX I contacted my servicer due to a major illness in my family due to XXXX XXXX causing a loss of income and causing work to be missed. Now I have fell ill to XXXX XXXX and then last week suffered a XXXX XXXX causing my hospitalization. My mortgage servicer Flagstar said that specifically HUD denied my CARES forbearance even though on my mortgage companies website it says that I have an active forbearance. I spoke with several managers and they all said that they're trying to fix it. I then got a call from an agent who said HUD denied me and there's nothing I can do. I sent over copies of emails from HUD stating I was in fact eligible for another initial forbearance based on the CARES guidelines updated in XXXX of XXXX. I asked for a copy of this HUD denial from Flagstar because I want to send it to HUD. Its been two weeks and I have not received a copy of this denial. I have spoken to several professional in the mortgage industry and they stated Flagstar is incorrect. The XXXX forbearance I had back in XXXX that was completed with a partial claim is not relevant to a new case of XXXX hardship. It would only be relevant if i never brought my account current but I did. Please help. My 401k company denied me taking funds out to cover my mortgage and this is not fair. I have read all the HUD guidelines on Cares and its clear that I would be eligible for a new initial forbearance. I just need help while myself and family recover and get back to work. Others are receiving this same assistance that I am being denied for.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (VA)

Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account Number : XXXX This has been resolved through XXXX XXXX bankruptcy. 
XXXX XXXX XXXX is reporting the incorrect dates.
Consumer complaint received 2022-02-17
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. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (FL)

Account Closed paid off by XXXX. 
XXXX XXXX XXXX XXXX Account XXXX Account Type : Loan Total Amount Due : {$560.00} Due Date : XX/XX/2021 Your payoff quote history is provided below. 

Payoff Quote History Date Good Through Quote Type Amount XX/XX/2021 XX/XX/2021 Online Payoff {$13000.00}
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (VA)

XX/XX/XXXX, XXXX XXXX, I received a voicemail saying the caller, XXXX, was looking for 'the person who was authorized to act on behalf of XXXX XXXX. ' I called the number they left because they knew my surname. Company did not identify itself when answering the call. When I asked they said they were a debt collector. Their phone number is ( XXXX ) XXXX. 

My husband died XX/XX/XXXX. There is no estate. We have/had no debts. I have not been contacted previously about any purported debt which would have been sent to a debt collector if unpaid. The person did not know who I was, although any legitimate knowledge about my husband would have included my name. I told them not to call again and hung up.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: MIDFIRST BANK (OK)

On XX/XX/22 - I received a check from my car dealership to pay for car tags. They made the check out to me, my spouse, and the Oklahoma XXXX XXXX. 

I spoke with agent XXXX by phone on XX/XX/22, and she confirmed that as long as I take it to the local branch ( that she called to confirm ), I would not have any issues with cashing it. 

I go by THAT local branch on XX/XX/22, and they advise me I could not deposit it because it was made out to all XXXX parties. 

They are providing false information, and misleading their customers. 

I only have a checking account with them, so I doubt anything will happen, but I wanted to make sure there is a record of this conduct. 

I am NOT expecting any type of resolution, because, well the big banks always win.
Consumer complaint received 2018-05-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (TX)

They call numerous times through out the day. I have asked them to stop calling me and only communicate with me through mail. They refuse to take me off the list and ask me personal questions like my social security number and address and refuse to tell me anything else. They call from different numbers with the same area code. This has been going on for a little over 5 months.
Consumer complaint received 2018-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Since the closing of my home loan, theres has been an escrow account in which property taxes and Home insurance were paid paid out of. My payments are 100 % paid on time. 
In XX/XX/XXXX, I received a letter from the citys department of finance stating that a tax lien would be sold in XX/XX/XXXX, if the amount of XXXX was not paid by XX/XX/XXXX. For several weeks I reached out to The mortgage bank to resolve this matter, and was given the run around. Finally, in the end of XX/XX/XXXX, I was advised by the bank that the a check was mailed to the city resolving the matter. However, the bank used the funds in my current escrow account to pay property taxes that they did not pay in XX/XX/XXXX, which was an error on their part. My escrow account is renewed every year, which means that capital one made an error, by not making he quarterly tax payment in XX/XX/XXXX, and used the funds in my escrow account so that I essentially paid twice for the same quarter.
Consumer complaint received 2022-08-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am submitting this XXXX XXXX without 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 XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-07-27
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: SYNCHRONY FINANCIAL (OH)

I had a problem with PayPal and Synchrony Bank. I was angry over late fees charged that were as much as the amount that I paid off in full at the time. PayPal and Synchrony Bank are colluding in deceptive practices. I paid off my " Current Balance '' and immediately closed the account. Synchrony Bank is claiming that there was a bill pending on the same day, however, that amount was already included in my " Current Balance. '' Synchrony Bank has now screwed up my credit over a {$9.00} charge that I refused to pay because it was already paid. I finally paid them that amount plus phony interest charges of {$1.00} a month on a {$9.00} balance. 135 % interest rate? I receive a statement from PayPal that shows " All Activity '' on my account which shoes {$0.00} balances nor for 3 months. This is a total Scam and it's dropped my credit score 30 points because of their deceptive practices.