davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Equifax is in violation of FCRA for failure to follow the procedures on the below accounts XXXX XXXX # XXXX inacurrate payment history- inaccurate payment status inaccurate date of last payment-no notice of dispute during or after investigation. 
XXXX # XXXX payment status inaccurate - no notice of dispute during or after investigation. 
Section 1681i ( c ) of the FCRA provides : Whenever a statement of a dispute is filed... 
the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof. 
15 U.S.C. 1681i provides the procedure by which a consumer reporting agency ( " CRA '' ) must abide whenever a consumer disputes an item contained in his or her credit file. 
Section 1681i ( a ) outlines the reinvestigation that the CRA must undertake after the consumer notifies the CRA of the dispute. 
Section 1681i ( b ), in turn, permits the consumer to file a " statement of dispute '' with the CRA in the event that the reinvestigation fails to resolve the dispute. 
Finally, Section 1681i ( c ) requires any consumer report produced subsequent to the filing of the statement of dispute to clearly note the dispute " and provide either the consumer 's statement or a clear and accurate codification or summary thereof. ''
Consumer complaint received 2022-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A. (NJ)

i was a victim of identity theft i use my information to open credit card accounts with best buy and macys they are from the same bank citi bank, they have been calling me regarding a debt and sending letters to my house, without me authorizing those cards now They want me to pay accounts that were not authorized by me, accounts that I do not personally use, please I need help to solve this problem.
Consumer complaint received 2024-02-20
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-06-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WI)

I would like to file a complaint against the banking institution of Wells Fargo XXXX XXXX XXXX XXXX XXXXXXXX Wisconsin, for improper representation of receiving a XXXX Home Equity line of credit. I feel that XXXX XXXX XXXX, who was the acting personal banker at the time didnt give me the detail information to make the best financial decision about this type of XXXX Home Equity line of credit for me and my family. I wanted to purchase a car and do some minor home repairs, with the majority of the loan for the car purchase. I had a meeting with top personal banker XXXX XXXX XXXX who was willing to assist me in that financial decision. The XXXX Home Equity line of credit was for {$30000.00} and after eleven years of paying since XX/XX/2007 I still owe {$23000.00}.
Consumer complaint received 2020-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MN)

My account was " frozen '' on XX/XX/2020 ... ..no notice or reason given. This account is a JPMorgan Chase account in their " private banking '' program. I have been a customer one way or another for 25 years!!! 

They are not holding my checking account of {$63000.00} ; then are now holding XXXXederal Funds in the form of my Social Security in the amount of {$1600.00}. 

Since I can not get any answers I HAVE TO ASSUME FRAUD OR THEFT!!!!! 

As you can imagine I have numerous checks returned and non-payments!!!
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PLAZA HOME MORTGAGE, INC. (FL)

I have contacted XXXX and XXXX about this issue numerous times in the last year and have gotten no resolution, I am told to contact the creditor that refuses to correct the information even though I have a court issued Discharge and Creditor matrix proving that the accounts are being incorrectly reported. The accounts are : - Plaza Home Mortgage  this account was included in the bankruptcy and is still showing late and does not reflect as being included in bankruptcy.
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

On XX/XX/2020 I received a letter from NewRez mortgage company stating that they had purchased my account and payment was due XX/XX/2020. I had automatic payments made to my previous mortgage company XXXX Mortgage. I immediately sent an email to no avail. Then I was told they would get the payment from XXXX in fifteen days. However, to date they have not credited my account the {$1200.00} per month I paid and were deducting what should have gone to my principal from my account. 
I sent them a letter, as well as XXXX. They have threatened me with credit reporting ( until covid ). 
I do not feel I am required to pay a mortgage twice. It is their responsibility to collect all monies when they purchase the account.
Consumer complaint received 2018-06-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/2016.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2020-07-15
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. (OH)

- My name is XXXX XXXX, last four of my SS # IS XXXX.My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by COVID. Not only did I have the virus and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE! MY ACCOUNT IS NEGATIVE {$140.00}! I WAS NOT TOLD BY GOING INTO A FOREBARACE, THIS WOULD PUT MY ACCOUNT OVER THE CREDIT LIMIT! This should be illegal! My credit is ruined because of this! This is a UDAPP VIOLATION AND A CARES ACT VIOLATION!
Consumer complaint received 2018-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

We received a letter from XXXX XXXX in early XXXX of this year stating we were due an escrow refund from 2016 of almost {$850.00}, and that if we didn't do anything the money would go back to the state. We filed paperwork asking for the money to be issued to us as a check, and emailed it to XXXX who replied she had received it on XX/XX/XXXX and it would take 7-10 days to process after which it would be mailed to us. 2 months later and we still haven't received the check despite two further emails to XXXX, one to customer support and a phone call - all of which went unanswered.
Consumer complaint received 2018-06-18
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. (PA)

I have tried to work with Trans Union, XXXX  and XXXX for over a year.

They refuse to investigate and acknowledge the letter form the US Federal Court.
Consumer complaint received 2022-09-11
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX 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 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted proof of Payment to the credit bureau showing that the account with XXXX XXXX XXXX was paid in full and should be removed. The company instead changed the status to charged off as bad debt which is incorrect. I submitted my paid receipt and I am also attaching it here for your records again. This account is not charged off it is paid in full.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MI)

I would like to link my personal PNC checking account to the XXXX XXXX Savings program and apparently PNC doesn't allow that. Currently the interest rate with them is .56 APY and I want to jump before this goes away. Please advise.
Consumer complaint received 2018-06-18
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (GA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2018.
Consumer complaint received 2022-09-11
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX 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 2020-04-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (MD)

On XX/XX/2020 I received an unsolicited email from Loan Company Lendumo. I was advised that the loan that I applied for has been approved and I needed to contact Lendumo. I immediately sent an email advising that I have not and will not apply for any loan with this company. Until this day I have not even heard of this company. 

On XX/XX/2020 I received a second email from Lendumo advising that for me to cancel this loan ( that I never applied for ) I would have to contact them by telephone to have my application withdrawn. I sent a second email to Lendumo advising for the second time that I have not and will not apply for any loan with this agency. I also requested that they stop contacting me ( at work ).

This is an unsolicited transaction and I am filing this complaint to have something done about and to this fly by night agency.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXX XXXX Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.
Consumer complaint received 2022-09-11
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX 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 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

I was under a financial hardship after my divorce and been laid off from my employment that caused me to be behind with my mortgage payment, I have tried several times to seek assistance with my current mortgage lender. Now I'm employed and my area has been affected by COVID-19 causing my income to decrease so I contacted the mortgage company again for assistance with a forbearance program that was approved on XX/XX/2020 but when I call to make the payment I have been advised that it was cancelled. I have been on the phone calling the mortgage company and no one can give the correct answer why the forbearance was approved and than cancelled.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (WA)

On the XXXX XXXX XXXX XXXX, credit accounts with Dell Financial Services ( dfs.dell.com ) were converted to credit accounts with a bank called : Comenity ( d.comenity.net ). By mid-XXXX, Comenity began reporting XXXX credit accounts to the credit reporting agency : XXXX ( XXXX ). Despite multiple requests with Comenity Customer Service to correct this error ; and, submitting disputes through XXXX directly, Comenity has continued to report XXXX different accounts with different balances to XXXX. This has negatively impacted my credit for approximately XXXX months now.
Consumer complaint received 2022-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C. (MN)

I originally received a warning which stated Gurstel Law Firm was going to be garnishing my wages on XX/XX/XXXX. I promptly reached out to them to confirm the debt was mine as I did not recognize the debt. I was attempting to purchase a home at the time so I was very aware of my credit score and any debt owed. While calling I was transferred to the attorney, XXXX XXXX. Through confirming my SSN and date of birth we had come to the conclusion that it was not my debt owed and it was my father 's debt. My father and I, unfortunately, have the same name with the exception of XXXX and XXXX. I was told by XXXX that he would make note of it and all was cleared and notice was sent to not garnish wages. 

XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that Gurstel Law Firm would be garnishing my wages once again, for the same debt with the same file number. Clearly, XXXX did not make a note in the file. I immediately reached out to XXXX to resolve the issue. He was not available. XX/XX/XXXX I was able to get in contact with XXXX again and he was not as pleasant. Through once again confirming my SSN and date of birth we found it was not my debt, once again. This time I asked what he was going to do to ensure I did not keep facing penalties of my father 's debt, to which he was unable to offer any definitive answer. I then informed him of how this is considered fraud, and in direct violation of the FDCPA to which he responded " I don't need to take legal advice from you. '' While, no, I am not licensed to practice law. I clearly have a better understanding of it than some of the attornies at the aforementioned collection agency.
Consumer complaint received 2022-09-11
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: Credit Karma (WA)

Credit karma approved my times for loans and credit cards.I applied many times and was denied and it made my credit score go down.They sent me many notifications from their app saying I was approved and through email.My credit went down and they told me it would not affect it.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint against TransUnion regarding inaccuracies in my credit report. On XX/XX/2023, I sent a dispute letter to TransUnion requesting an investigation into the following inaccurate items : Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX with Reference Number : XXXX, and Bankruptcy : U.S. Bankruptcy Court with Reference Number : XXXX. 

In addition, I disputed incorrect personal information listed on my credit report. 

Despite my efforts to rectify these inaccuracies, TransUnion has failed to address the discrepancies in my credit report. These errors are negatively impacting my creditworthiness and financial well-being. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/2023 stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report.
Consumer complaint received 2020-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (MA)

Over the past few months, I have made extra payments on my mortgage by including extra money with my monthly payment. Normally, when I would send extra money with a monthly payment, any money above my minimum payment would be applied to principle. In XX/XX/2020, I sent extra money, but this time it was used to make three minimum payments instead of going toward principle ( thus keeping my principle balance higher and forcing me to pay more interest ). This is also keeping my balance above the threshold at which I qualify to have my private mortgage insurance canceled. If all my funds had been applied to principle how I intended, my balance is low enough that my PMI should be canceled and the premium removed from my minimum payment. On XX/XX/2020, I sent a letter to the error department at TD Bank. I have only received confirmation of receipt, but the error remains. I called in XX/XX/2020 and the person on the phone assured me it would be taken care of. The error still remains. I should not have to pay any more PMI premiums. TD Bank is engaging in the practice of misapplying my payments to make me pay more interest and to keep me paying my PMI premium.