davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (GA)

Selene Finance is not giving us credit for mortgage payments that we made by putting the payments in suspense accounts and not crediting our account. As of XX/XX/XXXX our statement showed that we are {$0.00} past due. Selene accepted this payment on XX/XX/XXXX. About two weeks later we get a " Notice of Default and Intent to Accelerate.

This company appears to be using unethical, possibly illegal practices and trying to push a intent to accelerate to take customer home. This type of behavior should be investigated.
Consumer complaint received 2019-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

The reason for my complaint are based on a number of factors. First and foremost, we encountered a hardship which lead to our loan falling behind. As a result, I reached out to my servicer Mr. Cooper in XX/XX/2019to explore all retention options available in effort to avoid foreclosure such as a repayment plan, modification, or any other home retention program. I was advised that they would open a "Workstation" and submit a package to me for consideration and to wait for the package to arrive.On XX/XX/2019, I called back and spoke with an associate by the name of XXXX which advised me that my loan was denied for the Flex Modification on XX/XX/2019. She was unable to provide an explanation. Furthermore,I questioned how was this possible if I never received the Loss Mitigation Package nor was any information supplied. XXXX was unable to answer my question. She advised me that a denial letter had not been generated and to allow 7-10 business day to receive and that there would be detailed information pertaining to the denial. We never received this letter. In speaking with a friend, I was advised that I had a "Right to Appeal" and that I had 30 days from the date of the denial letter (Never received) to appeal. From the date of denial provided verbally on XX/XX/2019 through XX/XX/2019 and after several attempts to acquire the denial letter, one never came. As a result, e-mail communication was sent to my case worker onXX/XX/2019 formally providing a "Written Appeal". I called back on XX/XX/2019 and was able to confirm that the appeal was received and was being reviewed by the assigned associate.XX/XX/XXXX, I was advised that my modification was denied and that I would receive a denial letter concerning why they were not able to offer a modification. That letter never came. I called back onXX/XX/2019 after not receiving the letter to determine if I was ever considered for a repayment option. I was advised no. Obviously this answer was concerning as I requested for consideration of all retention workout programs and that was not done. 

It is my belief based on what has occurred over the past several months that my loan was not adequately reviewed for all retention options. I am XXXX years old and I do not want to lose my home. Between the income my wife and I receive, we make sufficient income to prove that we have the financial ability to retain our home and all we want is an equal opportunity to be considered for a program that would allow us the opportunity to reinstate our mortgage through a repayment plan option. I currently have XXXX  toward the total arrears and all we need is a little more time to bring this loan to a current status. During this entire time, I have made multiple efforts to make payments on my mortgage however; Mr. Cooper refused all payments.
Consumer complaint received 2022-07-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 also states a consumer reporting agency can not furnish an account without my written instructions.

I have never shopped or did business with this company, XXXX. I have never had an account with them.
Consumer complaint received 2022-04-27
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: ALLY FINANCIAL INC. (AL)

I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for this creditors to pull my credit. 

- Ally Financial ( XX/XX/2021 ) - Ally Financial ( XX/XX/2021 ) - XXXX XXXX XXXX  ( XX/XX/2021 ) - XXXX XXXX ( XX/XX/2021 )
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I contacted USAA. At first I thought it was fraud but I realized it was something that my husband authorized. However, it is absurd that there is zero protection against business transactions through XXXX. Why distinguish between business and personal if its all the same?
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (NY)

I sent out an Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a second notice, Notice of Default and Attempt to Cure, on XX/XX/2021. 

My rights under the FDCPA have been violated and this company has committed fraud.
Consumer complaint received 2021-05-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Refinanced XXXX  mortgage loan, closing date : XX/XX/2020. XXXX XXXX rec 'd final payment from XXXX ( closing attorney ) who apparently mistakenly short-paid XXXX in the amount of {$4900.00}. Upon realizing this mistake, they corrected within 48 hours ; additionally offered a letter of accountability. XXXX reports " late mortgage '' payments for XXXX and XXXX on my credit report through XXXX and Transunion. I have made four attempts to correct with the previous lender and credit bureaus ( offering them supporting documentation ) and they will not remove the negative remarks from my credit report. Letter of accountability clearly states the human error lies with the closing attorney. Furthermore, {$4900.00} on a {$210000.00} pay off marked " two days '' past due date does not justify TWO 30-day late penalties on my credit reports. 
The result of this has caused credit limit decreases totaling {$7400.00} and credit denial for new credit accounts or increases, three creditors have even completely cancelled access to existing credit accounts with a reasoning " recent late mortgage '' payments -- which I have zero. I pride myself on a stellar payment history to my creditors. 
PLEASE help me with a remedy for fair credit reporting for this unique situation. 
I have worked very hard to build my credit -- to have blemishes I can not control is unjust. 
Thank you
Consumer complaint received 2017-12-21
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. (FL)

My credit reports with transunion, XXXX and XXXX show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXXXXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.
Consumer complaint received 2017-12-20
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: Experian Information Solutions Inc. (OR)

I opened an auto loan with XXXX XXXX in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I paid every month and was not late once, EVER. As of this year I filed bankruptcy on XX/XX/XXXX Due to the issues I continually had with the car, my lawyer and myself thought it would be best if I included the car in my bankruptcy. I still continued to pay my car payment monthly up until the company came to pick it up from my home. My monthly payment was due on the XX/XX/XXXX of each month. I did not pay my payment XX/XX/XXXX because at this time I had already told them They could pick-up the car and that It would be included in my bankruptcy. My due date for XX/XX/XXXX would have been XX/XX/XXXX, they picked the car up XX/XX/XXXX. On XX/XX/XXXX they reported to the credit bureau as a charge off! 1. This should re reported as " included in bankruptcy '' OR " dismissed ''. This is not a charge off at all. I have told them about this and it still has not been fixed, I have also disputed this with Experian who is reporting this, and the dispute came back as " valid '' They said the company who reported the charge off ( XXXX ) certifies that the reporting is correct. How can that be? How can they report me as a charge off, when it should re reported as " included in bankruptcy. '' Also it is my understanding that a charge off has to be 120 days or five missed payments, in order to be defined as an actual charge off. When they reported this as a charge off, I was not even 30 days past due, I was only 2 weeks past due technically. Please look into and have this fixed.
Consumer complaint received 2019-08-15
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. (TX)

Equifax and XXXX  are reporting incorrectly ( 120 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages 6, 7, and 8 of the attached credit report. ) This account has been paid in full since XXXX, 2019 and should not be reporting on my credit report. This account has been closed. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year>, an unauthorized charge for {$200.00} was withdrawn from my account. The vender XXXX XXXX XXXX XXXX XXXX. I was never in that merchant
Consumer complaint received 2018-02-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC. (SC)

Ally financial has been calling me in an attempt to collect my aunts debt. The first time I told them that was illegal and they continued to call me. When I called them to put an end to the harassing calls they said well maybe you can just talk to your aunt to get her to pay her bill. This is the exact thing I was calling them to tell them I wouldnt do.
Consumer complaint received 2024-03-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Credit acceptance repossed my car in XXXX I paid all repos fees & car payments to get my car back when I went to get my car back I reported damages that was made to the vehicle nobody reached out however they have charged me XXXX for XXXX XXXX XXXX mind you I cant pay no mor than XXXX a month bt they insisted that I had to pay double now they are trying to repo my car again I really need help they are robbing my poor behind blind please help
Consumer complaint received 2017-12-24
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. (AZ)

My XXXX XXXX and XXXX XXXX XXXX XXXX credit card is lost/stolen. The fraudulent charges/transactions dont belong to me. The balance on these 2 accounts dont belong to me, because both of my credit card accounts with XXXX and XXXX XXXX is lost/stolen.
Consumer complaint received 2022-04-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NV)

On XX/XX/18, XXXX XXXX ACH debited my personal checking account for {$3800.00}. I have never had a XXXX. My wife is the only other signer on my checking account and she has never had a XXXX. And we certainly did not authorize our checking account to be ACH'ed. 

The transaction description on my checking account is as follows : Pending ACH Debit ORIG CO NAME : XXXX XXXX CO ENTRY DESCR : CREDITCARD SEC : WEB XXXX XXXX XXXX XXXX Link to more information in a new browser window. {$3800.00} My bank stated the phone number they showed for the transaction was XXXX. When I call this number, it says 'Settlement Department ' and refers you to leave a voicemail which I did. 

I tried calling all the customer service or complaint numbers that I could find for XXXX XXXX. They all go to the same place. I was told that there is nothing they could do because I don't have an account with them. I tried to get them to refer me to a different number where they could help me, but they said there wasn't one. 

I only want to understand how XXXX XXXX has my checking account info and why they attempted to ACH it. I'm worried my identity has been stolen or bank account info compromised. Or that Barclays simply made an error and someone fat-fingered an account number. I didn't want to file a complaint here, but there doesn't seem to be any way to contact someone in the company that can tell me what happened.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am entitled to a free report from TransUnion every 7 days per the new covid regulations put in place. I have tired to obtain my credit report from TransUnion through the free annual credit report website and have been denied several times. That is unfair. TransUnion needs to make my reports available to me electronically immediately. 
Thank you
Consumer complaint received 2020-12-04
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. (GA)

There are several items reporting on my credit file as a result of identity theft. The following items are not mine : Names : XXXX Names : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX - Bal : {$0.00} ( XXXX and Experian ) XXXX - XXXX XXXX XXXX - Bal : {$1300.00} ( XXXX, Experian, XXXX ) UNKNOWN - XXXX - BAL : {$75.00} ( XXXX ) XXXX XXXX - Bal : {$1000.00} ( XXXX  ) XXXX XXXX - Bal : {$0.00} ( XXXX and XXXX ) The following late status is incorrect. Please remove the following inaccurate late reporting from the following accounts : XXXX XXXX - I was never 30, 60, 90, 120 days late XXXX/XXXX - I was never 30 days late Unauthorized Inquiries : 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 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Bureau of Fort Walton Beach, Inc (MI)

I checked my XXXX credit report and on XX/XX/2020 a creditor reported. XXXX charge and I researched the company as I didn't know the creditor and I have never received services from this creditor. I checked BB and looked at the complaints and many were in the same boat as me with the same amount of XXXX. Please assist. The creditor information as follows : XXXX XXXX XXXX XXXX XXXX Other {$550.00} Status Date Reported XX/XX/2020 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 2 Years, 0 Months Credit Limit Not Reported Highest Balance {$550.00}
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (CA)

XX/XX/XXXX I realized my debit card had been compromised ( since BMO took over Bank of the West ). Over {$500.00} worth of charges were on the card that I had not done. ( I used the card to pay bills, XXXX, XXXX ) but there were over {$500.00} worth of FRAUDULANT CHARGES THAT WERE NOT MINE. I reported it XX/XX/XXXX. I received a reply from BMO on XX/XX/XXXX listing the XXXX AND XXXX CHARGES that were being investigated. Progressing through XXXX, they credited my account randomly for charges not mine at XXXX, XXXX, etc. for a little over {$150.00}. THEY HAVE REFUSED TO REFUND MY {$330.00} FOR XXXX  CHARGES I DID NOT DO. ( I am XXXX XXXX XXXX XXXX XXXX  and if I want an order from XXXX 's, XXXX, XXXX XXXX, and others ... I get in my car and drive there. Most are less than 5 minutes away! Nothing has ever been delivered to my address where I have lived for almost 45 years. I do not do XXXX OR XXXX XXXX! ). I have called them over XXXX times and talked to XXXX different people ( a couple were very rude and a few of them did nothing but say " I am sorry ''. ) I have written their " FRAUD DEPARTMENT '' ( XXXX ) over 10 times begging them to call me and explain. Yesterday I finally had a supervisor named XXXX call me and said she had investigated and they were supposed to call me... ( when? '' no one knows when? ). She referred to " duplicate '' charges ... but none of these charges I am referring to our duplicates ... and they are ones that BMO actually listed on the letter they sent me XX/XX/XXXX. I just want my {$330.00} put back in my account... so I can pay off my credit card and leave this bank. ( Charges were attempted numerous times after this debit card was closed or there was no money in the account, so it didn't go through ). During this entire time, I was dealing with the loss of my husband, getting his accounts settled, court, etc. and was not getting paper statements to know what was happening. Losing my mind, I just kept putting money into the account and not asking for an accounting. This is a terrible way to treat XXXX XXXX TERRIBLE.
Consumer complaint received 2022-10-11
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)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2018 Balance : {$1800.00}
Consumer complaint received 2019-08-15
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. (CA)

My complaint is against Transunion credit bureau. Back in XX/XX/XXXX I sent them a letter regarding the following account : XXXX XXXX Bank Account # XXXX, open : XX/XX/2012, status closed with {$0.00} balance. The letter was to indicate the credit bureau that the mentioned account was fraud related. I also sent them a Federal Trade Commission Report indicating what had happened. So the removed the mentioned account and suddenly when I checked my reports I saw that they re-inserted the fraudulent account. I want Transunion Credit Bureau to remove the mentioned account as soon as possible like they had done, due to fraudulent activity. Im attaching the 2 reports, one without account and the other with the account back. Im also attaching letter I sent them back on XXXX with FTC report. PLEASE REMOVE ACCOUNT, IM A VICTIM OF FRAUD.