davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
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)

Credit bureau is reporting a bankruptcy on my credit report. I disputed with Credit bureau only to get a generic response that they investigated and the company reporting the information verified that the information was correct. I contacted the company which was the bankruptcy court that the credit bureau provided. I receivable Lester from them stating they dont deal with the credit bureaus or report any information to them. I sent this letter disputing the information again only to get the same generic letter back stating theY investigated and the company ( bankruptcy court ) verified to them the information was accurate which is false. This company is reporting g false information and I want it removed from my credit report because it is hindering me from a job promotion. My next step will be legal council unless this credit bureau company provides me with the names of whom they spoke with to verify this information so that I may pursue it further.
Consumer complaint received 2024-02-15
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. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am distressed that TransUnion have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. How did you verify the date last active & why this you re-aged this account? Also how did you verify the date of last payment? May I know your investigation resources? This misleading information has reporting on my credit profile for over a year. The last payment for this account was XX/XX/XXXX, therefore the date you have reported for date of last payment XX/XX/XXXX & date last active XX/XX/XXXX ( REAGED ) in inaccurate and wrong. Also this account has been in dispute for the past XXXX, why does it not state that in the comment section? You have charged off as bad debt. Dispute resolved, responded by grantor. It should state account in dispute. 
The following information therefore needs to be re-investigated and removed from my credit profile for immediately Account : XXXX XXXX XXXX XXXX I respectfully request proof of your investigation. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. In this complaint accompanies a copy of my TransUnion credit report showing proof of the inaccuracies reporting on my credit profile.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have attempted to dispute items reporting on my credit profile with Transunion to update my personal credit information. They have failed to update or correct the inaccurate information they are reporting. I feel as though not only are they violating my rights as a consumer, but these inaccuracies could be negatively affecting my financial and personal well being as it relates to my credit report. 

They are currently reporting the following items on my credit report incorrectly : Date of birth Home address Employer Phone number I have reached out to them on multiple occasions in an attempt to correct these incorrect items on my credit report and they have failed to respond to my request or update my credit profile.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

Discover closed my credit card account which I had maintained in good standing for more than 30 years due to inactivity. The cfpb should stand on the side of consumers in this matter, since the entire world was effectively shutdown due to the COVID 19 pandemic in 2020. It is unconscionable that big business can use a computer default to close accounts and concurrently negatively impact credit scores. I am XXXX years old and like the majority of Americans, I followed CDC, federal and state guidelines to shelter in place for 2020. That Discover Card apparently continued their practice of closing accounts during the pandemic makes them the worst of business players. If nothing else Discover Card is the poster boy of bad business behavior during this most difficult time in world and American history. Over the years I most often used DC to shop at XXXX but in recent years XXXX is mostly closed, so my use of the credit card was limited to paying off accumulated debt and balance transfers. In my defense, Over the years I have paid off more than {$20000.00} in debt lo Discover Card and certainly they received interest on my debt. I rate them poor in business practice and consumer confidence.
Consumer complaint received 2016-10-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (TX)

Without notifying me, BBVA Compass closed both of my accounts and withheld the funds previously contained therein. I later learned that they had done so based on derogatory information received from XXXX XXXX. BBVA Compass did not provide any notice as to their use of this information. 
BBVA Compass also held and restricted my access to the funds taken from the closed accounts without notifying me. BBVA Compass would have held the funds indefinitely if I had not acted in a way so as to regain control of them.
Consumer complaint received 2015-09-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (FL)

I was charged XXXX NSF fees by BBVA compass bank and they placed these charges on my account discriminately and did not post these fees as the charges posted. I requested all XXXX NSF fees reversed and the bank refused and only credited/refunded XXXX of them. Futhermore they charged these NSF fees after XXXX deposits were pending on my account.
Consumer complaint received 2020-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-02-04
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. (IL)

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 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 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 severe XXXX 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 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (CA)

I received a notification from Eastern Account System of Connecticut, INC dated XXXX/XXXX/16. The statement indicates a balance of {$77.00} due from the original vendor, XXXX XXXX XXXX. The notice reads : Your account has been placed with this office for collection. To avoid further collection activity, pay it in full. If you can not pay in full or have a problem, contact this office. 

On XXXX/XXXX/16 I contacted XXXX XXXX XXXX to inquire about a recent bill I received from them indicating a balance owed of {$21.00}. In my discussion with XXXX XXXX they verified my service was disconnected on XXXX/XXXX/16. I was being billed for unreturned equipment. This equipment was returned on XXXX/XXXX/16. The CSR from XXXX XXXX indicated that my account would be updated and a credit balance of {$55.00} would be returned to me. I then asked the CSR if this account had been submitted to Easter Account System of Connecticut and the CSR responded by saying no. 

I then attempted to call Eastern Account System of Connecticut on XXXX/XXXX/16 and the number listed ( XXXX ) only goes to voicemail.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX, account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2015-06-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (FL)

An employee stole my daughter identity and went to regions bank of XXXX and opened up a business account added my daughter and her self on the account my dauther had no knowledge of this bank address in where account was opened is XXXX XXXX XXXX XXXX XXXX fl XXXX contact person foe the bank that know what happen is XXXX XXXX
Consumer complaint received 2022-07-20
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX, account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

In XX/XX/XXXX My loan was sold to LoanCare Mortgage as it has been sold multiple times since I purchased the property in XX/XX/XXXX with 20 % down under a conventional loan. The property was purchased for {$200000.00} and now has a balance of {$120000.00} with Loan Care. I have not had PMI since the property value is {$340000.00} and the loan to value is under percentage of 20 %. Loancare immediately started to charge and has continually charged me a Private Mortgage Insurance even though I have written 4 letters and 4 phone calls advising them to refund and stop charging Private Loan Mortgage. In XXXX I created a message within the portal to advise them to stop the PMI and either credit my mortgage or refund me the difference. Today I received a letter from that inquiry stating that they will continue to charge private mortgage insurance because I did not make a request, I have missed a 30 day payment and a 60 day payment in the last 12 months. I have included my payment history on the property for the last 24 months with no missed payments and also included the last 6 years even though it was through other loan providers. The last 2 times I called loan care I was hung up on and transferred back into the auto que without notification. Loancare has consistently violated the Frank DDod act by illegally charging XXXX XXXX XXXX and making a false statement. Please investigate.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I had a XXXX XXXX account from XXXX XXXX, XXXX through XXXX XXXX, XXXX. From XXXX XXXX through XXXX XXXX. They reported I was 30,60,30,30,60,90 days late. Which shown up on my TransUnion report. It shown bad marks from them on my XXXX report. I do n't have access to the XXXX credit report.
Consumer complaint received 2016-12-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (KY)

1st conversation with Midland - Date Unknown The representative from Midland Credit Management called explained that I had a debt from XXXX in excess of {$2000.00} and that they wanted to settle the account. I asked them to mail me proof and to give me payment options if everything checked out. They explained that they were n't going to mail me anything and that the only payment they could take was over the phone via debit or credit. I told them that I would not ever give them any of my account info but I would be willing to mail a cashier 's check if the debt was real and if they were who they said they were. They said that they could not accept payment in this fashion and could only take debit/credit. They then threatened me with a lawyer. I told them if they want anything from me, they need to mail me a verification of the debt, then I hung up. 

XXXX/XXXX/16 I spoke with XXXX XXXX from Midland Credit Management. He, again, explained that I had a debt of over {$2000.00} to XXXX and that he was a debt collector trying to resolve the debt. I explained that I had reviewed my credit report and the charge off, according to my credit report, was under {$1000.00} and that I would like written explanation about the debt that I owed along with proof that he is who he says he is. An account manager got on the phone and told me that all of this could be handled with conversation and that they had already mailed an explanation of debt to my old address ; one I had not lived at since the end of XXXX, 2016. I asked that she mail another explanation of the debt to my new address so I could have it in writing. She said that she would not be able to do that because their system would n't allow them to resend letters. She then went on to explain that time was not on my side and that the debt would be turned over to an attorney. I told her to go ahead and do that. 

XXXX/XXXX/16 I spoke with an individual who did not identify himself but did say he was from Midland Credit Management. He called trying to collect a debt on a XXXX XXXX account. He also said that he is trying to avoid the account being turned over to an attorney. I explained that I spoke with someone in XXXX and requested that a letter be sent to me explaining the debt and for conformation purposes that they are who they say they are. The gentleman explained that they had no record that they had ever spoken with me. He also gave me the same story that they could not send a letter or fax one to me because they have already sent two, none of which came to me. I asked the gentleman to please mail me a letter identifying my rights, identifying themselves and explaining the debt ; then I hung up.
Consumer complaint received 2022-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CT)

Two bill payments sent from my XXXX account to BMWF have not posted as of today, XX/XX/XXXX. The payment amounts of {$100.00} and {$68.00} were scheduled to post today, XX/XX/XXXX, according to XXXX. Previously, a bill payment in amount of {$50.00} did post on time, delivered on XX/XX/XXXX, did not post until XX/XX/XXXX. I've spoken with BMWF rep, was advised there is an issue with bill payments posting, it does not appear the issue was fixed.
Consumer complaint received 2022-02-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (WI)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, My Address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX WI XXXX. My email is XXXX, XXXX. My Mortgage Co. Name : Planet Home Lending. 
I filed a complaint with you few months ago. 
Planet Home Lending said because my Ex-sponse XXXX XXXX Name is on the Mortgage first, My name is on Second, I don't have any Authority to sell or Refinance or ask for a Forbearance. I filed for divorce in XX/XX/2020, Our Court date was XX/XX/2020, He Moved out by XX/XX/2020. My Alimony is about $ XXXX. I am Unemployed no benefits since XXXX.