davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is reporting inaccurate information on my credit file. I have disputed this several times with them over the last 2 years, however they are still reporting incorrect information. They are reporting the incorrect date on my credit file. The below account went delinquent on XXXX XXXX, XXXX and they are reporting the date of XXXX/XXXX/XXXX which is illegal. This account should have been deleted from my credit file. I have attached supporting documents that this account is incorrect and needs to be deleted from my file. 
Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Balance {$1200.00} High Balance {$1200.00} The XXXX account they are inaccurately reporting is XXXX. They are reporting the incorrect date on this account as well. I have attached supporting documents with the original bill from the creditor that this needs to be corrected on my credit file. TransUnion is reporting the date of XXXX/XXXX/XXXX when the correct date this account went delinquent is XXXX/XXXX/XXXX. Below is the account information ( also attached ). 
Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$390.00} High Balance {$190.00}
Consumer complaint received 2017-05-02
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. (FL)

On  XXXX / XXXX / 17  I called TransUnion to dispute addresses and incorrect spellings of my name or names I have never gone by and upon completion of the call the representative stated he had removed all addresses besides my current address and I would receive the update  in 5-7 bus iness days. On  XXXX   XXXX ,    2017  all the addresses were still there as well as the names I asked him to remove due to being incorrect/never associated with. So when the new report was received and I saw the information was still there, I called again and the representative stated that the copy I was looking at was old and another copy would come and that the had updated everything. I received the new copy today  XXXX / XXXX / 17  and it is still incorrect.
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (AZ)

I refinanced my mortgage loan from Freedom Mortgage to XXXX XXXX XXXX on XX/XX/XXXX. Freedom Mortgage automatically deducted another payment in error on XX/XX/XXXX as they were already paid off. I contacted them by phone on XXXX when I say the deduction in my bank account and they said they would put in for a reversal to get the deduction reversed. They never called me to tell me there was any problem. On XX/XX/XXXX I call them again to ask why I didn't have my money refunded yet. They kept me on the phone for a long wait and are going to wait to mail out a check until XX/XX/XXXX. They are not reversing the payment they took in error. The amount they took in error is {$1900.00} on XX/XX/XXXX and by the time they get the check to me so I can deposit it they will have had the cash for at least 3 weeks. That is a very long time to keep money from an individual who has bills to pay and has to live. They have horrible policies and terrible customer service and will not go out of their way to fix a problem they have. Big banks should not be able to do this to individuals who need the money. My mortgage loan number is XXXX. Again I contacted them the same day and they did not attempt to contact me in 2 weeks time.
Consumer complaint received 2017-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I received a letter stating that I owe an amount on this account. I ran my credit report recently and I found it listed by  XXXX   XXXX   XXXX , and had it investigated and removed. They have now sold it to you so that you  may h ave a chance to make a few bucks.   I have never lived at the address in question and have no intention of paying you or anyone for a bogus reporting of information.   Therefore, I ask that you cease and desist any and all actions on this. Failure to do so, I will fill a complaint in small claims court against your company and report this fraudulent information to all concerned.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I WAS A CUSTOMER OFF WELL FARGO BANK A BOUT 10- 7 YEARS A GO THEY OPEN CHECKING ACCOUNT FOR ME I HAD A FEW OVER DRAFT THEY CLOSED I DID PAY UP THE OVER FEE NOW SOME ONE USED MY INFO.TO OPEN A NEW ACCOUNT I TRY TO LET THEM NO ITS NOT ME BUT THEIR IS NO ONE TO TALK TO NOW I HAVE PROBLEM OPEN IN A NEW ACCOUNT
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Social Finance, Inc. (GA)

Recently, I, XXXX XXXX XXXX, was denied an extension of credit by SoFi Credit CorpXXXX XXXX. On XX/XX/2022, I applied for SoFi Credit Card. 
As you XXXX be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). SoFi Credit Corp. XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022, is both a proof and evidence that I have been discriminated against, you are also criminally liable. SoFi Credit CorpXXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

I received a response from the Sofi on XX/XX/2022 that does not satisfy this ongoing concern. I have escalated the matter with the Attorney General. See attached.
Consumer complaint received 2022-02-16
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. (MI)

I, XXXX XXXX, assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

I did not consent to, authorize, nor benefit from any of the following accounts or inquiries. Block and Remove them. 
1. XXXX 2 XXXX XXXX XXXX XXXX. XXXX XXXX 4. XXXX XXXX XXXX. XXXX XXXX XXXXXXXX 6. XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX : XXXX XXXX XXXX XX/XX/XXXX 8. XXXX : XXXX Mortgage XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-03-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (CA)

I have been in review with my lender for XXXX 7 months for a modification. They have been requesting documents and I have been sending them and they have postponed the sale dates every thirty days. They requested documents ( bank statements ) which I sent last month and despite confirming that the sale date would be postponed they went forward with the sale today. They confirmed last night that they would postpone and today they changed their tune. This is unfair as I complied with their last request, they failed to provide me with ANY options to foreclosure and they completely lied and now have foreclosed on my property.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (UT)

Why is LVNV/RESURGENT still reporting my address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ. Where did they ever get this address to start? Why are they still reporting the debts that they allegedly claim when they haven't been able to provide any signatures and have just copied and pasted names on bills? Where is a single receipt showing a signature? These guys have illegally obtained my PII and continue to harass me. They need to have a signature before they can even send someone to my house unless you want me suing the process server who will then sue you for not proving that they even have a right to step on my property. You have failed time and time again to prove that these debts are legitimate. All you guys do is make up copy/paste bills and then send them to people to scam them out of money. You have a document that was served to the wrong person.
Consumer complaint received 2017-05-02
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: Experian Information Solutions Inc. (MD)

I have attached a copy of the accounts that are fraudulent as well as the inquiries that are fraudulent along with a copy of the police reports have sent them to Experian numerous times for them to rectify the situation however they continue to report the information as being accurate although I have sent in a copy of the police report from the state  and county I live in.
Consumer complaint received 2015-08-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (NV)

I 'm writing a complaint against US Bank for false and wrongfully reported information regarding my closed bank account to XXXX. U.S. Bank has reported a " transactions involving items are checks returned as uncollectible '' with Close your status " NOT REPORTED '' this information is nor true or valid. The complaint is inaccurate incomplete and a abuse of power. As documented on my federal credit report to XXXX 's and XXXX I have a credit freeze in multiple reports ab as documented on my federal credit report to XXXX 's and XXXX I have a credit freeze in multiple reports I filed regarding my identity being stolen and I am a victim of identity theft. US Bank close my checking account due to a negative balance this negative balance was related to deposits made into my account from XXXX XXXX 's personal checking account that was later revealed as a closed account. U.S. Bank debited my account twice without refunding the duplicate debit. U.S. Bank ignored my inquiry of account closure, documented identity theft, duplicated debited transactions without refund or cause. I think account was overdrawn for two days and I paid the negative balance in full receiving the rest of my funds XXXX laters in the form of a cashiers check via mail. All items FEES and ALL DAMAGES I PAID INCLUDING ITEMS OF FRAUD AND IDENTITY THEFT THAT WAS DONE TO ME AND VICTIMIZING MY LIVELYHOOD BY A CRIMINAL. A criminal I had subsequently fallen victim too and have been severely punished for acts done by a criminal. I want this account removed permanently from my file and U.S. Bank to held accountable for unethical participation engaging in fraud and identity theft, along with not following procedure and protocol with the theft of my money
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Negative hit to most recent credit reports (  XXXX  ) without any correspondence or notification of status of account by  XXXX . Continued making payments per billing cycyle to match my usage to remain in good standing. In  XXXX  of   XXXX   XXXX   I was denied access from accessing my balance on my account online, nor make payment electronically. So I paid by mail, although I never received any further corresondence as to the status of my account. I called and was informed my account was closed, with no reason given and in that my last payment made would be refunded by along with a letter explaining my credit card 's suspension. I never received communication nor return payment. My latest credit report says the account was reported as a charge-off in   XXXX   XXXX  . Still no notification at this time nor to this date (   XXXX   XXXX   ). Only found out about charge off in accessing my most recent credit reports. I continued making payments til   XXXX   XXXX  , hoping to received communication or re-gain access online for payments and account status, from  XXXX  or an affiliate, or collection agency!! Upon seeing the negative charge-off on my credit report, I immediately called  XXXX  and was transferred to a representative claiming that the only address they had was in North Carolina, BUT NO SUCH ADDRESS SHOWS UP ON MY CREDIT REPORT??? YET THEY SENT THE CARDS TO MY CURRENT ADDRESS AND RECEIVED PAYMENTS FROM ME FROM MY CURRENT ADDRESS? I am demanding the charge-off is removed immediately. Furthermore, once the charge-off is removed, I 'm willing to settle or pay off the date in a reasonable amount of time, without any further negative ploys to damage my credit standing!
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WY)

On XX/XX/XXXX, I attempted to dispute credit information through the XXXX website. The website stated that the information I provided did not match their records. I called Equifax directly and asked them to correct the issues ; however, they stated there was not an issue and that all of my information matched their records. I continued to attempt to access my credit report and file a dispute after verifying my information was correct and was not able to do that. I spoke with several staff members and was transferred to different departments at least 7 times and my issue was not resolved. Equifax stated that there was nothing they could do about the issue. I was unable to file a dispute on this date. 

On XX/XX/XXXX, I attempted to dispute credit information through XXXX. I attempted to enter my information and was provided with a message that stated that my request could not be completed because my information did not match their records. I called equifax and they stated that my information was correct and there was no way for them to problem solve the website error. They also stated that if I access my credit report from XXXX, that I could have access to my credit information. I attempted that with them on the phone and was unsuccessful - again given an error message about my information not matching their records. I was transferred between 2 different departments and spoke with XXXX different people. I was either told that they couldn't help me and that someone in a different department could resolve the issue OR that there was no department that resolves that issues and there was nothing could be done. After talking with the first 6 people, I spoke with a supervisor who stated that there wasn't anyone who could fix the issue because according to their information, there wasn't an issue. She stated that she would 'escalate ' my concern, then said they wouldn't call me because they don't initiate " follow ups ''. On this date I was unable to access my credit report and a dispute was filed over the phone because their information prevented me from doing this on my own. 

This issue has been going on well over 2 years and I still have not received a satisfactory resolution. It bothers me greatly that Equifax has access to my personal financial information and are not held accountable when neglecting consumer concerns and refusing to provide a trusting and accurate service to consumers.
Consumer complaint received 2017-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On X/XX/17 I attempted to withdraw {$80.00} cash from a XXXX XXXX ATM machine in XXXX, NY. When the machine did not dispense the cash and the transaction showed as completed, I immediately asked for the store manager for help.
The manager instructed me to call my bank as the issue had been happening for months according to her without any repairs or resolution. I asked why they had n't put a sign up or called for a repair and could not receive an answer. I immediately called my bank, JP Morgan Chase and put in a dispute/claim for this transaction gone wrong. They informed me they would look into it and provided me a temporary credit of {$81.00} including the ATM fee. On XX/XX/XXXX, the credit was reversed and I was recharged for {$81.00}. Once I noticed this, I called Chase to inquire and was told that the ATM vendor records claim that the money was dispensed and so my claim was cancelled. They claimed to me that they were not shown any proof of this or any logs as well. Furthermore the claims agents were not able to provide me with a phone number to try to dispute directly with the XXXX 's ATM vendor. At this point, I do not know how to contact them and get this resolved. I have been robbed of {$81.00} and I can imagine how many others have been as well. The fact that this ATM charges a nominal fee also means that many low-income people who live nearby or frequent the chain store are being robbed is alarming. I request the help of CFPB and hope there can be positive resolution not just for me but for the others that may not have been helped. This may also be a scam location that noone is aware of.
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

Equifax how do you know which accounts I referring too? if your company said on all investigation that you had verified these accounts earlier in your reply you stated to me but when you replied back you stated Response disputed how did you verify the accounts and who did you talk to seen me proof of who you talked to or to closed the horses mouth JUST SEND THE ORIGINAL SIGNED DOCUMENTS??? IF YOU HAVE THEM SEEM LIKE I 'm the only one that sending proof I have been asking for this info since the beginning of XXXX and all I got from you were we have verified these account I have n't seen who and what you have did to provide the info.. please send asap Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. 
That 's a lie Equifax You sent out another letter saying contact the creditors by name per your company name How did you Know that If I did n't disclosed the items?
Consumer complaint received 2016-06-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

Since XXXX I have paid for our original 6.5 % mortgage. 
{$1400.00} X XXXX = {$510000.00} {$150000.00} to fleet mortgage {$360000.00} {$49000.00} to XXXX {$310000.00} {$200000.00} to XXXX {$100000.00} {$100000.00} to the modification From OUR {$52000.00} escrow we paid {$44000.00} to credit cards In XXXX XXXX we paid off all of the credit cards the escrow and all principal and interest due on the loan. We have {$220000.00} equity Plus {$47000.00} We have {$270000.00} CREDIT. NOT a {$270000.00} balance. 
I gave Ocwen written notice that I did not want any more credit and wished to close the account. I want them to release the lien. They have {$50000.00} for the 2 % interest I paid them on NOTHING. 

RELEASE my LEIN
Consumer complaint received 2016-08-13
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (DC)

Dear Sir. I have applied for a Barclaycard Cash Forward Credit Card to Card Services, XXXX. XXXX XXXX, XXXX, DE XXXX ; My Application XXXX was rejected on XX/XX/2016 on the grounds " Too many new accounts opened ''. First, this is not a valid reason for rejection. The real reason for the rejection is discrimination on the grounds of age, race, religion and national origin, specially since I was invited to submit my application based on my credit report. However, when Barclaycard looked at my full profile, they were moved to discriminate against me based on their prejudice. The denial of this credit is, therefore, in violation of the U.S. Laws against Discrimination. CFPB is hereby requested to take action against Barclaycard for the violation of the Law. Thanks.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2019-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/XXXX I opened a account with Td to take advantage of checking bonus of XXXX. I did NOT go to a third party website and didnt click on any offer. I went to the td website. I selected the Convenience checking account to earn XXXX. The offer was on the website. If it wasnt I would have never open the account. I've called to verify this after opening the account in XXXX which can be verified by my call log. Then I called today the supervisor says I might of went to a third party website which completely false. I bookmarked the offer page from the td website and so to say there was no offer is misleading and is simply false advertising and bad customer service. I have attached my phone records showing the calls that took place and want this escalated immediately when I've made sure to do everything correctly. This is deceptive business practice This was the website I orginally went too on XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX