davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
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. (IL)

On XX/XX/2021, I sent a letter to TransUnion a verified asking them to verify the validity of a bankruptcy they are reported on my credit file they then responded to me with a letter stating that it was verified through XXXX. Then I went directly to XXXX to dispute the item in question XXXX came back to me saying they could not verify the items in it was deleted from their database on XX/XX/2021. 

I then went back to TransUnion on XX/XX/2021, showing them that the bankruptcy was deleted from the XXXX profile. Informing them if they can not provide the source of verification that this bankruptcy needs to be deleted from my credit profile immediately as it is defaming my character. TransUnion XXXX responded to me that the bankruptcy was verified through the bankruptcy court I also provided to them on XX/XX/XXXX as well as XXXX and XX/XX/2021, that the bankruptcy court provided me a letter on XXXX the XXXX 2021, stating that they do not provide verification of bankruptcies to any credit bureaus. Credit bureaus are responsible for verifying bankruptcy through third-party agencies in the third-party agency that TransUnion indicated that this bankruptcy was verified with XXXX  who was unable to verify this allege bankruptcy as accurate information in removed from my profile as accurate information. According to the FCRA the credit bureaus must report accurate verified information in this information is not accurate nor is it verified, and they are refusing to delete this information, TransUnion is out of compliance with by law and this is affecting my credit profile. 

This item needs to be deleted from my credit profile immediately within the next 30 days. 

XXXX XXXX XXXX : XXXX
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE (NJ)

I have a mortgage with XXXX XXXX. Prior to refinancing the mortgage was with XXXX XXXX XXXX. I have been on a " XXXX XXXX XXXX '' going back to a least XXXX if not longer. I was asking some questions about the how the payments get applied to the account and learned the program is run by a third party named XXXX. When I researched XXXX on the internet I saw litigation was taken against XXXX for what amounted to false advertising of the product. The research indicated XXXX was ordered to pay back affected customers. I don't recall ever getting any type of correspondence or notices about this ruling, and I don't think I ever got any reimbursement. How can I find out more about this? If the program is not legitimate, why is it still in business? I'm still enrolled in the program.
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I was notified by email last week that an account was opened at Citizens bank in my name. I did not open the account. Today I closed the account with the fraud department at the bank and they told me to also open an account here. So someone stile my identity and I'm reporting it to you
Consumer complaint received 2022-01-10
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)

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.
Consumer complaint received 2023-04-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CO)

I am a victim of Wells Fargo Mortgage Modification Lawsuit. I was incorrectly denied Home affordable mortgage modification under the HAMP Federal Assistance Program from XX/XX/XXXX to XX/XX/XXXX. I have Lots of dated information showing communication and proof of my statement. My home was put in foreclosure and I was forced sell XXXX XXXX. 

XX/XX/XXXX, I was given a number to call Wells Fargo by CFPB concerning my complaint. When I called I was told by Wells Fargo, XXXX, that my mortgage unable to qualify and was not included in the CFPB settlement. 

Wells Fargo, its doing the same things they did before the lawsuit, not compliance, lying and denying to solve the issues. 


Complaints : Submitted to Wells Fargo XXXX CFPB XX/XX/XXXX Case number : XXXX Other agencies Respectfully, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

AND ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX ACCONNT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSON STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX  XXXX XXXX is way out of line with this reporting a missed payment from XX/XX/XXXX as late in XXXX XXXX XXXX XXXX and XXXX of XXXX almost 3 years XXXX  my dates are off a little but 3 years is a lot to long to wait to report it late payment
Consumer complaint received 2021-11-09
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: I.C. System, Inc. (NY)

I XXXX XXXX am a victim of identity theft and fraud. XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (CO)

My mortgage has been sold twice now. The currently company is Fay Servicing XXXX XXXX XXXX and they have been giving me inconsistent information over the past month and a half. I was in a forbearance with my original servicer, XXXX XXXX, after losing my govt job of 11 years when I had to report my supervisor for falsifying govt documents. I was suddenly and unexpected in a terrifying situation, but was trying to find my way through. XXXX XXXX put me on the forbearance until I found a new job, with the promises of either paying interest only or principal only on the outstanding balance, or adding back into the loan. When I went to make my final forbearance payment and had successful employment again, I was told that my loan had been sold. The next company, XXXX XXXX XXXX (  XXXX ) never answered their phone, had recordings their offices were closed and did not communicate with me. I finally was able to talk to someone who said I needed to resubmit the paperwork I had submitted to XXXX XXXX for a refinance or some payment plan. They denied all efforts and stated they were going to take my home. Covid hit and my loan was then sold to Fay Servicing. XXXX  never notified me that they sold my loan. Fay told me that I again needed to fill out paperwork and that they " would run the numbers until a repayment plan would fit my needs. '' That they would help me get back on track ( I now had a new job with significantly more income ). I had to talk to a different person each time because the person assigned to my loan would never call back. I submitted all the requested paperwork on XX/XX/XXXX and again on XX/XX/XXXX with the assurance that they were in the business of helping people and that I needed to give them 30 days to work this out. After calling the acct manager 's supervisor numerous times, he finally called me and was extremely aggressive, judgmental and hostile toward me. I asked to speak with his supervisor and he refused - it's all on their tapes, if they actually records calls. I filed a complaint with the legal dept who said my file was missing many documents. I asked for a new account manager but was refused. Now, 30 days later I called for an update on my payment plan and to see when I can make payments I was told " nothing has been done on your account ; there is no payment plan. '' The acct manager documented I need to pay all or nothing and they would foreclose in XX/XX/XXXX. I again left messages for the supervisor and the legal department. No one will call me back. No one has done what they said they would do. My requests have been for one consistent person to talk to, to help me figure this out, to ask me questions if needed and to get this on track. All requests are being ignored. I don't know who else to contact because they are not doing their job, the account manager presents as emotionally unstable and intentionally avoiding doing his job. PLEASE HELP ME!!!
Consumer complaint received 2022-01-11
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)

XXXXDepartment of Education is reporting inaccurate information to my personal credit reports. This is a violation of the Fair Credit Reporting Act. I have reached out to the company multiple times and they have not complied with my request. I sent letters requesting for the inaccurate accounts be deleted from my credit report. I informed them that they were violating my rights. This is violation of FCRA law 15 USC 1681 and 15 USC 1681 a ( 2 ) ( a ) ( I ). 
First letter sent XX/XX/2021 Second letter sent XXXX XXXX XXXX company sent me a letter XXXX XXXX stating no knowledge of wrong reporting.I have attached a copy of that letter.
Consumer complaint received 2018-03-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

My wife and I were denied a XXXX XXXX XXXX. 
The reason given was that we opened 5 or more credit cards in the last 24 months. 

I think XXXX has incorrect information and can not get help from Experian to correct or find out what cards I have opened in the last 24 months. 

Many letters and phone calls have been made to both. 

Can you please help me? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX home XXXX cell XXXX XXXX
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (SC)

I got the CitiBank XXXX XXXX in XX/XX/XXXX due to a promation giving 50,000 miles. I remodel and resell houses so I make a lot of large purchases. The probelm began when I purchased a house in XXXX and wanted to build miles so I charged to the XXXX XXXX Since it was just opened, my credit limit was only {$7500.00}. When I got near that amount, I would pay off the card so I could continue to use it. 
The issue is that Citibank " holds '' the payment for 10 days although this is an electronic transfer payment directly from a bank account. I have an XXXX, XXXX XXXX and XXXX cards ; none of them do this. You pay by the time of day stated and it's posted that night. I thought the " holding '' period seemed convenient for them as the statement closed on XX/XX/XXXX so they would have to have it posted before the next bill went out. Maybe, maybe not but I couldn't ignore it. 
I called several times about this. The last time was after I made a payment for {$7800.00} from a XXXXXXXX XXXX account that posted in my account on XX/XX/XXXX. 
( XX/XX/XXXX XXXX - XXXX XXXX Credited {$7800.00} ) When it had not posted by the XX/XX/XXXX, I called and was told it had to clear to be sure the money was in my account. I countered that if the money wasn't in my account, they wouldn't have paid it. He then said if I paid by debit card it would clear immediately ; well, that is basically what I did. Payment from the bank is exactly like using a debit card remotely since it was impossible to swipe a bank card to pay it. We had additional conversation about it including that it wouldn't " clear '' until XX/XX/XXXX. This sounded ridiculous and just wrong. I wanted to use the card to purchase cabinets but couldn't so used another card. I just wanted the miles with XXXX. I called again on XX/XX/XXXX as it still had not been processed even though it was taken from my bank account on XX/XX/XXXX. Again, I was told multiple reasons why " holding '' was their policy and it would not clear until XX/XX/XXXX. At that point, I closed the account as it was of no use to me and their practice of " holding '' funds for such an extended period seemed illegal to me. This has to violate some banking regulation! They are holding people 's money and using it for extended periods of time before processing payments. That must add up to millions of dollars they can profit using other people 's money without permission while the customer has no access to it. Thank you for anything you can do about this. It won't help me but it can certainly stop them from withholding money from consumers while they make use of their money.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS ON XX/XX/2020. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER WELL OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS ON XX/XX/2020 AND STILL HAVE YET TO RECEIVE ANY RESPONSE. I EVEN GAVE THEM EXTRA TIME DUE TO COVID-19. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX/XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ;
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

Below I have copied and pasted a fraudulent text message that was sent to my phone on XX/XX/2021 at XXXX XXXX. The link provided in the text message was identical to the Chase mobile app. After clicking on the link, I answered approximately six personal questions, thinking it was my bank verifying my identity. If I'm not mistaken, I might have provided my social security number. Unfortunately, days after I received this text message I had fraudulent activities on my bank account. A portion of my money was withdrawn from an ATM in XXXX, XXXX. 


Due to unusual activity, we have temporarily locked your Chase account. Please visit : XXXX XXXX XXXX Phone number associated with text message : XXXX ( XXXX XXXX XXXX
Consumer complaint received 2021-01-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NV)

On XX/XX/XXXX I paid XXXX to sallae Mae for our agreement to pay {$220.00} of interest in addition to {$110.00} for the principal. My due date was XX/XX/XXXX so I decided to pay it early with extra. When I did this I received a hit to my credit score because they didnt process my payment instead I received numerous emails and calls telling me Im late on payments and that ironing the risk of delinquency. In addition, to receiving a hit to my credit score. I ended up calling sallae Mae and speaking to them and they said theyre sorry and that they would fix it but I would still need to pay XXXX on XX/XX/XXXX. I then asked them why cant they use my XX/XX/XXXX payment for the {$220.00} payment they then agreed and then I asked would I get the {$110.00} left over back which they added they would add to the principal instead. Shortly after this I took another hit to my credit score. Following this I recently called sallae Mae again and they informed me theyre fixing it in the system and that they will fix the hits on my credit score. The balance was decreased on my score but I still have had my score drop 60 points just off of a mistake they made all because I chose to pay them on time. I lost my Job due to corona virus and still have not been called back to work. They have no agreed and have been very abrasive when it came to lowering my payment during this crisis from the start. They also told me I have to pay {$150.00} to go into forebearance and even though Im not working at all even though before corona i have been a enrolled in direct debit and Ive always paid on time. I just feel like this company is very crooked in their business practice.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Friday XX/XX/2021 XXXX XXXX of Bank of America put a hold on my credit card ending XXXX without any notice and with no clear reason. 
Since then, to unblock my card, I had to make repeated phone calls to the XXXX XXXX with waiting time 40+ minutes, let alone, by their request, was forced to visit their branch having massive waiting lines too and all of this in vain because, to date, my credit card is still not working.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

Ive reached out several times and summitted complaints regarding the inaccuracy of this account, its coming back verify. Sending me a copy of a bill isn't validating anything. I've reached out to XXXX XXXX  many of times and i was told they don't have assess to this account and it was sold so to a collection company, which XXXX is still report.But CFPB send me a email that their wasnt going to investigate. I spoken to some higher up and i received a email which I'm submitting for prove which he stated over the phone it was a mistake and he was submitting it to be removed and also a copy of my credit report which you can see the information is inaccuracy, XXXX XXXX removed the inaccurate account.
Consumer complaint received 2022-01-11
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: CBC Companies, Inc. (PA)

Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was harmed by XXXX a Credit Reporting Agency via invasion of my right of privacy. I was informed of this trespassing against my rights specifically 15 U.S.C. 1681 - Fair Credit Reporting Act by XXXX a credit reporting agency on XX/XX/22. According to 15 U.S.C. 1681a definitions of the Fair Credit Reporting Act, I as a natural person possessing an open end credit plan was harmed by XXXX with the invasion of my privacy by furnishing accounts labelled as exclusions to a consumer report under 15 U.S.C 1681a ( d ) ( 2 ) ( B ), in addition my credit information was given out without my consent resulting in a numerous amount of inquiries now present on my consumer report not attached to accounts further invading my right to privacy as a consumer. Pursuit to 15 U.S.C. 1681n XXXX  is now Civilly Liable to pay me for the damages as well as the hardship caused by the damage caused to my reputation as a consumer in the value of ( {$1000.00} ) per inquiries not attached to an account as well as ( {$1000.00} ) per account furnished by invasion of privacy and inaccuracy as an exclusion from a consumer report.