davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-08
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: Experian Information Solutions Inc. (MD)

My husband and I have tried multiple times to put in disputes with Experian for the mortgage information from XXXX, XXXX.. The latest was XX/XX/XXXX for myself and XX/XX/XXXX for my husband. We previously filed complaints through CFPB last year to fix the reporting on our other credit reports and they responded that they would. Nothing for Experian has changed. I filed a previous dispute of this information with Experian in XX/XX/XXXX after I realized that the information still had not been updated after the 45 days from the letter we received from XXXX, XXXX XXXX, XXXX incorrectly reported that we were late on our mortgage XX/XX/XXXX, XX/XX/XXXX, XXXX 2016 and that it was closed in XXXX 2016. We signed over the property in XX/XX/XXXX for a deed-in-lieu of foreclosure and provided that documentation to Experian along with a letter from XXXX, XXXX that they were going to submit the change to the credit bureaus. In this letter it also provided our payment history. According to their own admission XX/XX/XXXX, XX/XX/XXXX and XXXX 2016 should be removed as being late since we no longer were in ownership or attached to the property. I 've been able to fix XXXX and XXXX to a point but Experian does not seem to really review the information we are providing.
Consumer complaint received 2017-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (LA)

I have been receiving multiple phone calls, sometimes per day. Blocked numbers, spoofed numbers, etc. The agents are dismissive when I tell them that the debt was sent to them in error. I applied for and received a credit card but did n't end up using it for my dental work. I have the receipt for the cash payment. I 've tried calling XXXX XXXX - where the debt seemed to originate - but they say that once the debt has been sold they can not retrieve the information that would clear my name. 

The agents from this company, Credit Corp Solutions, have heard all of this information but do not seem interested at all in it. They repeatedly say that they only want to discuss how I can pay them. If I try to disengage the conversation because I am driving or my children need my attention, the agents will firmly try to keep my attention to their call.
Consumer complaint received 2021-11-18
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$330.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$24.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$84.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Owed : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX****Balance Owed : {$2300.00}
Consumer complaint received 2019-10-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC (NJ)

The XXXX XXXX has moved this debt collection to another Collection Agency and mailed separate letters to me and my wife who was upset for a debt that no longer with us. The name of New Collector is : Radius Global Solution, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX The XXXX XXXX XXXX XXXX XXXX that was supposed to be under XXXX XXXX was reported as stolen to the Police Department in XXXX New Jersey. Probably, this was happened on XX/XX/2018. There was nothing reported news after that but a letter after a month that it was retrieved by the XXXX for a reason. It was known that this was sold to another person therefore the Registration is under a different name. 

This is related to : CFPB Case # XXXX XXXX XXXX Account # XXXX Whatever our obligation is all harassment asking for the amount of {$8500.00}, a hindrance for us since I am relying an income only with pension money with so much bills including a Student Loan. Hopefully, I have nothing to say but we are helpless, obligating a property that is no longer with us. Thank you very much.
Consumer complaint received 2021-11-03
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: CITIBANK, N.A. (LA)

I have been promptly paying my charges. To date, XX/XX/2021 I have made a total amount of charges for {$530.00}. To date, I have made a total amount of payments in the sum of {$560.00}. This being a secure credit card, for which I deposited {$200.00}. So, I should show an available credit balance of {$230.00}. But my available credit balance shows as {$0.00}.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XXXX at XXXX am my checking account was charge for a transaction of {$4100.00} via my debt card. My debt card had not been used physically for the over 4 months. My checking account only had roughly {$1400.00} in it, however my Wells Fargo credit card is linked to my checking account as an overdraft feature. My checking account was left with 0 dollars and my credit card was left with the difference of around 3,400. Never in the 15 years with Wells Fargo have a made a purchase of that amount physically using my debit card. I filed a claim with Wells Fargo and the investigation determined it was a valid transaction. This is the same bank that denied me to pull out 4,000 dollars from their bank due to fraud activity when I was physically present and showed them my ID, used the debt card, and pin. I am just mind blown how a transaction at that given hour was authorized.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (IL)

I received a credit card from Comenity bank- THE XXXX XXXX XXXX  card. I did not request or open this account. It is a full on card with number, expiration and CV #. The letter said subject to credit approval. I checked my credit report and it did not show up. 

The next day I received a letter saying there was irregular activity on the account so it was suspended ( still - never activated by me ). Told me to call the fraud line XXXX. If they didn't hear from me it " may be permanently closeed ''. 

I called and was on hold a very long time. Gave up. Looked for another option - report on the site? email? nothing. I called again and was on hold over an hour with no identification of how long it would take. Then they disconnected me. I tried again and the same thing happened. 

Apparently there is no way to talk to them so I give up. I put a fraud alert on my credit report. 

I should not be spending hours of my time to remove this. Please CLOSE THIS ACCOUNT AND FIND OUT WHO IS TRYING TO FRAUDULANTLY OPEN AN ACCOUNT IN MY NAME!
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Universal Payment Corporation (NY)

I wrote to Universal Payment Corp in XX/XX/2021 concerning derogatory reporting on my credit report and requesting proof and validation from them that they have the right and authority to post on my credit report. 
I did not enter into a contract with this Company ( Universal Payment Corp ) but I entered into a contract with INVENT HELP which is not a consumer credit contract. 
This Company is reporting derogatory on my credit report and it is not so and they don't have any right to do so.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX
Consumer complaint received 2019-10-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

This company has purposely witheld my mortagage payment because I filed a previous complaint. I mailed my XXXX payment on XX/XX/XXXX and they didnt post to my account until the XXXX of XXXX. This was right after I filed a complaint with your bureau because of other issues I had with them. In addition, they tried to process an ACH in early XXXX for XXXX when i told them not to do until end of month. They said they cancelled it so therefore, I had to issue a check mailed on XX/XX/XXXX ( other bills mailed to other service companies on same date all recevied by XX/XX/XXXX except for Freedom ) so I wouldnt be more than 30 days late. 

I have always paid my bills on or around last week of month without problems. They also said my XXXX payment was late but it was presented to my bank on first of XXXX and Freedom posted the same day on my account. According to a Freedom employee, this can not be possible. The day they post is the day they receive then it takes a couple of days to be presented to my bank. 

Also, said my XXXX paymentw asnt received and it turned out it wasnt late. 

I requested recors of all postings to my account and matched with my bank statements and found that Freedom is inconsistent with how they post to account and sre inefficent with handling mail. 

This has been reported as a late on my credit and undoubtedly will effect me financially. Also, I was charged overdraft fees because they tried to process ACH beofre it was supposed to. I even told them this before and after they porcessed it and they did it anyway. 

I called them no less than 15 times over the last three months trying to get things resolved but things kept going in a circle. 

NOTE : Icould not attach files because they are hard copies so I can only fax bak statements shwoing history over last several months..
Consumer complaint received 2022-08-05
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)

I am a victim of identity theft. A criminal has used my social security number to apply for and obtain credit lines with multiple different lenders.. There are numerous fraudulent credit inquiries that are unauthorized reporting to my TRANSUNION credit reporting agency as well as fraudulent credit card accounts. These items are unauthorized. I have filed a XXXX XXXX Police report and submitted a Federal Trade Commission Identity Theft. 

I have submitted a fraud investigation request to TRANSUNION, however they are unwilling to dispute and remove the fraudulent inquiries that are listed below. 

Fraudulent Accounts XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-29
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: WELLS FARGO & COMPANY (AZ)

Today is XX/XX/XXXX. 
Since XX/XX/XXXX the problem continues with XXXX XXXX  XXXX XXXX XXXX ( from Wells Fargo Bank ) that I paid in full does not appear on any of my credit reports with XXXX, XXXX, or XXXX for 5 years. Please read attached letter.
Consumer complaint received 2020-05-18
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$690.00} XXXX XXXX   XXXX {$410.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX   XXXX {$10.00} XXXX XXXX XXXX XXXX {$6200.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$290.00} XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$170.00} XXXX  XXXX XXXX {$2100.00}
Consumer complaint received 2020-05-06
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. (AR)

l received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$18000.00} XXXX   XXXX {$280.00}
Consumer complaint received 2019-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (PA)

I was never given any written notice regarding this collections. This is from a hospital stay years ago and I have paid for that stay in full along with my insurance. If something went unpaid, I am sure I could refute it with insurance paperwork or receipts, however, the company refuses to send me anything in writing and has informed me several times that I need to " simply pay the debt without questioning '' which I do not believe is a good idea with medical debt because I have been burned so many times in the past thanks to changes in insurance, honest mistakes and overlooked payments, especially with the hospital in question!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX
Consumer complaint received 2020-01-20
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 submitted a police report of a burglary which resulted in my identity theft back in XXXX. The company still have not deleted the wrongfully-reported debt of {$2400.00} in XXXX.
Consumer complaint received 2020-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

XXXXspoke with supervisor XXXX about the interest being charged ( XXXX ) on a daily basis, in addition to the APR of XXXX. The amount of the loan was for {$600.00}. I will end up paying 3X 's as much ehich is unfair to me as a consumer. In addition, they are not sending me any transaction receipts or anything. They have been received their funds back and much more. They are robbing me as a consumer. I have tried going on their website, Amplify funding.com, yo retrieve my info but was unable to access the site.
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/ 2020 I was offered to open an account at Bank of America. I transferred {$100.00} to the bank. I was then informed days later that for some reason they decided to close the account almost instantly. I was told I would receive the money back within 3-5 business days. I am still waiting!!!
Consumer complaint received 2020-05-18
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. (GA)

An account has been re-inserted to my credit file after it was removed. The bureaus are also still reporting a public record which is out of date and inaccurate.These items are to be updated every 90 days with the courts. Trans Union as well as XXXX continue to report a bankruptcy in my previous name.
Consumer complaint received 2021-11-03
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)

XXXX XXXX XXXX XXXX shows my paid off auto loan as still open and in addition to that it fails to show a payment made on XX/XX/2021.
Consumer complaint received 2020-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (VA)

THE LENDER OFFER DEFERRED PAYMENTS FOR A ( FEE ). THE LENDER FAILED TO INFORM US WHEN ACCEPTING THE OFFER THAT IN THE EVENT OF A TOTAL LOSS ANY GAP CLAIM WOULD BE DENIED. WE HAD AN ACCIDENT XX/XX/XXXX RESULTING IN A TOTAL LOSS AND WHEN I CONTACTED GM FINANCIAL TO INFORM THEM I WOULD BE MAKING A GAP CLAIM THE REPRESENTATIVE INFORMED ME THAT IT WILL BE DENIED DUE TO THE FACT WE ACCEPTED THEIR OFFER OF DEFERRING PAYMENTS ON THREE SEPARATE OCCASIONS. I ASKED WHY WAS THIS NOT DISCLOSED BEFORE AND I WAS TOLD THEY HAD NO WAY OF KNOWING I WOULD BE IN AN ACCIDENT. XX/XX/XXXX THE GAP COVERAGE WAS DENIED AND GAP INSURANCE CANCELED. MY INSURANCE MADE A PAYMENT OF {$8600.00} LEAVING A BALANCE OF {$2600.00} I CALLED GM FINANCIAL AND AGREED TO PAY ANY LATE FEES BUT REQUESTED THE REMAINING BALANCE BE WAIVED DUE TO THEIR FAILURE TO DISCLOSE INFORMATION THAT WOULD FINANCIALLY IMPACT ME. HAD SPEAKING TO SOMEONE WAS VERY DIFFICULT AS THE REPRESENTATIVES HAD NO TRAINING ON HOW TO HANDLE THE MATTER AND WOULD CONSTANTLY INTERRUPT ME AND TALK OVER ME. I WAS HUNG UP ON AND HAD TO CALL BACK A TOTAL OF FOUR TIMES TO GET A SUPERVISORS VM ( THAT NEVER CALLED BACK ) I WAS TOLD TO WRITE A LETTER WHICH I DID XX/XX/XXXX AND THE FOLLOWING MONTH CALLED BACK AND SPOKE WITH XXXX ( ID XXXX ) WHO TRANSFERRED ME TO HER SUPERVISOR XXXX XXXX  VM ( STILL NO CALL BACK ) I REACHED OUT TO AN ATTORNEY AND SUBMITTED A LETTER WHICH HAS NOT BEEN ANSWERED. OUR NEXT STEP IS TO FILE WITH SMALL CLAIMS
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Onity Group Inc. (OH)

WE HAVE LIVED AND FINANCED OUR HOME VIA A VA LOAN SINCE XX/XX/XXXX AND HAVE NEVER BE LATE EVER.OVER THIS 30 YEARS OUR MORTGAGE HOLDERS HAD CHANGED TO NO LESS THAN 8 INSTITUTIONS.THE MORTGAGE CO. THAT HELD OUR LOAN WAS XXXX XXXX AND AFTER THE COLLAPSE OF THE MARKET IN XX/XX/XXXX, XXXX CONTINUED TO RECEIVE AND PROCESS OUR LOAN FOR AT LEAST EIGHT MONTHS BEFORE WE EVER NEW THAT THEY HAD SO OUR MORTGAGE TO OCWEN ! A DEBT.COLLECTING AGENCY! WITH A CREDIT SCORE OF OVER XXXX ( ITS MUCH HIGHER NOW ) ALL OF A SUDDEN OUR CREDIT REPORTS STARTED SHOWING UP A REMINDER OF A BANKRUPTCY FROM THE XX/XX/XXXX'S AS IF OCWEN WAS DOING ALL IT COULD TO TARNISH OUR CREDIT REPORT BUT IN THE MEAN TIME THEY REFUSE TO INFORM THE CREDIT REPORTERS THAT WE EVEN HAVE AND ARE MAKING REGULAR MONTHLY TIMELY PAYMENTS.I DID FILE SOME REPORTS AND DID GET A CONFIRMATION FROM OCWEN AND THE MENTIONING ON THE REPORT OF A MANY YEARS AGO BANKRUPTCY STOPPED AS WELL AS SOME KNIT PICKING REPORTING HAS STOPPED.WE ALSO HAD A LOAN MODIFICATION DONE WHICH FINALLY GOT OUR INTEREST DOWN TO 4.1 % AND OCWEN WAS FORCED TO DISCHARGE XXXX OF PRINCIPLE OFF OUR DEBT BUT ONLY TO REAR ITS HEAD 15 YRS. DOWN THE ROAD IN THE FORM OF A BALLOON PAYMENT IN WHICH WE WHERE ADVISED BY  THE COMPANY THAT HANDLED AND PROCESSED OUR MODIFICATION THAT IF WE PAY ABOVE THE {$390.00} PER MONTH MORTGAGE PAYMENT AND PAY THEM {$450.00} THE BALLOON WO N'T HIT THUS THAT IS WHAT WE HAVE BEEN PAYING THEM.BECAUSE OF NOTHING WE DID WE ARE STUCK WITH OCWEN A COMPANY FINED XXXX BY THE FEDERAL GOVERNMENT FOR BANKING PRACTICES THIS COMPANY REFUSES TO REPORT MY WIFE AND MY MORTGAGE PAYMENTS ON OUR CREDIT REPORT AND I HAVE BEEN ASSURED BY THEM IT WOULD BE CORRECTED IT HAS N'T! I AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN WORKING ON RAISING MY CREDIT REPORT WHICH HELPS MY WIFE 'S IN TURN BUT AFTER I AM XXXX SHE WILL BE WELL PROVIDED FOR BUT SHE HAS FAR LESS CREDIT IN HER NAME SO OCWEN 'S FAILING AND REFUSING TO REPORT THAT WE DO INDEED HAVE AND MAKE REGULAR PAYMENTS AND THIS OMISSION DOES AND WILL DO HARM TO MY WIFE XXXX XXXX XXXX! ONE OF THE THREE CREDIT REPORTING CO. RAISED MY SCORE TO XXXX! AND THE OTHERS HAS ALSO IMPROVED, WONDER WHAT OUR SCORES WOULD BE WHEN ON THE LIST OF CREDITORS IT SHOWED A 30 YRS.HISTORY OF ON TIME PAYMENTS BUT AT LEAST, FAILURE OF OCWEN TO REPORT YOUR MORTGAGE AND TIMELY PAYMENTS IS CRIMINAL AS THEY ARE NOT A MORTGAGE LENDER BUT A DEBT COLLECTING COMPANY ABLE TO SKIRT THE LAWS THAT NORMAL LENDING PRACTICES ARE FOLLOWED.I WANT TO KNOW WHY THIS SITUATION HAS NOT CHANGE AND OCWEN BE TOLD TO FOLLOW THE LAW AND REPORT OUR MORTGAGE TO THE PROPER INSTITUTIONS THAT DEMAND SO.