davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
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. (IL)

There is information on my credit report that does not belong to me. Specifically, an account with XXXX XXXX ( account no. XXXX balance {$3500.00} ) and two ( 2 ) XXXX XXXX accounts ( account no. XXXX balance {$960.00} ; and account no. XXXX balance {$610.00} ). I can not count the number of times I have contacted these four ( 4 ) companies to report fraud and ask for these accounts to be removed. Yet, they continue to be listed on my credit report in violation of FCRA guidelines. I have already sent my FTC report to these companies and the accounts should have been removed a long time ago.
Consumer complaint received 2018-07-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

This company, SLS, bought our HELOC in XX/XX/XXXX. It took awhile to get everything to transfer over, but we finally had everything completed on XX/XX/XXXX when we deposited XXXX from back pay. Attached are 5 pages of transactions starting on XX/XX/XXXX and ending with XX/XX/XXXX. My balance increases daily, when the only transactions are DEPOSITS from my husbands employment. No one at the company seems to be able to answer any questions regarding what the wording on their forms mean, and when pressed for explanations, they say they will send an " inquiry '' to the accounting department. Then I am to call back in 7 to 10 days to find out the accounting dept 's response. I have done this once in the past, and when I called back 7 days later, there was no record that any request was even sent to accounting. And on pages 4 and 5, on XX/XX/XXXX and XX/XX/XXXX, there are so many transactions - reversals, single item receipts (? ), reversals, and Unapplied Funds Unidentified (? ). And all the time, my balance increases ( which means I pay more interest ) when it should be decreasing. Help me understand.
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (AR)

I am a victim of Identity Theft. I have requested to the bureaus on numerous occasion for the removal of fraudulent items that appear on my report. Those items are XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX To this day they have not been removed, and the credit bureaus, along with the creditors have no provided me with actual proof that I created these items. They have not produced any signature, or signed contract. I want these fraudulent items removed from my credit reports.
Consumer complaint received 2021-07-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (OH)

XXXX XXXX XXXX, Loan Officer NMLS XXXX, from Guild Mortgage ran a credit inquiry pull on my credit without first asking for my permission. I did grant him permission to perform a credit pull back on XX/XX/2021 for a pre-approval which expired 90 days afterwards. I did speak with XXXX 's branch manager, XXXX XXXX on XX/XX/2021 whom basically told me well they " assumed '' and just pulled my credit since the home my wife and myself are still contemplating on closing on would be XX/XX/2021. This home is a new build, but we are still considering and entertaining other options for a home purchase, along with other options for financing. I asked both XXXX and XXXX to reverse the credit inquiry and was told that isn't going to happen and to void and shred any documents they received as I won't be conducting business with them. 

Ultimately, I want them held accountable and forced to remove the unauthorized inquiry for all 3 of my credit reports with XXXX XXXX, and XXXX.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (CA)

I have sent multiple letters of dispute over the course of 5 months dated XX/XX/21, XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.
Consumer complaint received 2017-12-18
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. (GA)

1 ) XXXX XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be. 

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all XXXX bureaus. 

3 ) XXXX XXXX XXXX Credit Card does not show up on my XX/XX/XXXX report but shows on Transition & XX/XX/XXXX.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/XXXX, while on vacation in XXXX, I was drugged and robbed. My phone was taken, and my XXXX XXXX XXXX card was used for XXXX purchases, XXXX for XXXX XXXX and XXXX for XXXX XXXX. XXXX is trying to force me into paying these even though I was a victim of a crime. I made two disputes, and both were rejected, stating there wasnt enough evidence, and I was told to go back to XXXX and make a police report. There has been no proper investigation.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/XXXX, I received a letter from this company, indicating that my account had been closed. THEY closed it, based on an internal review, which included my credit score to determine my credit worthiness. Based on this review, they decided to close my account. This account has been inactive, but had a XXXX balance. This seems punitive, given that the account was paid, and when active, paid on time with no delinquencies. This does have an impact on my credit score/utilization. Contacted the creditor to resolve the issue, and they were unhelpful.
Consumer complaint received 2021-05-03
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: TD BANK US HOLDING COMPANY (MA)

Good Evening Target/TD Mgr ; XXXX and Cfpb ; Listen, Im shocked and perplexed today when I reviewed my credit report and still noticed that your company continues to report erroneous, misleading, incomplete information on my name for this Target/TD account # TARGET/TD Acct # XXXX. I downloaded the FCRA guide/law from FTC website several months and learned so much about consumer law. Its my basic understanding that if youre going to report information on my consumer credit report, you must ensure that youre reporting them 100 % accurate, timely and verifiable according to the provisions of FCRA. Well, this account is unverified and there is no way that you can continue it report on my credit and say that its verified. I also noticed that XXXX  removed it due to violation. Its reporting with multiple inaccuracies and inconsistencies. For example, there are different and questionable dates of last verified, last reported, last payment, dates of last active, and questionable dates of 1st delinquency. Each credit bureaus are reporting this in error, plus I already paid this account and I was told that in 30 days it would be removed from my credit report. Why only XXXX  removed it from my credit report? Why are there 30/60/90 CO status payment status after the account has been closed. This account is in violation of fcra and its unverifiable.
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, I deposited a check to Bank of America, in the amount of {$8000.00} but the check was payable to my wife. I deposited the check in my account. My wife told me not to deposit in my account. So I called the bank to cancel the deposit. The banker told me it was on hold. I asked why it was on hold, The banker told me the system automatically put the check on hold because it has a different name. The banker said the check may be rejected. The banker said there a debit transaction of {$8.00}, XXXX. He asked if I recognize that transaction. I told him I dont know that transaction. He told me theres a contact number by the transaction and I need to speak to them. The banker transferred me to business credit card department. I was told in the business credit card department that since I had balance on the credit card they took the balance out of my checking account. They did this without my knowledge. I told them its my wifes check. I told them since check is not in my name and fund is not mine, can they reverse the fund. The representative said since its in my account, its considered as my money. After I disconnected the call, I went the branch and told them the check I deposited, belongs to my wife. banker told me If the recipient name is different from the account holder, You can not make a deposit. I told to call the check processing department to find out more about it. I call back to customer service and they said I should talk to the fraud department. On XX/XX/XXXX, I called the fraud department and they said since the name on the check is different, the check shouldnt have been deposited. At that time check was on hold and debit transaction was pending. They said they will reject the check on XX/XX/XXXX midnight and will give me back the check in three business days. But the next day check looks like cleared So I called the customer service again and they transferred me to the fraud department. I spoke with someone in the fraud department again and they told me the check was cleared. I asked why them why the check was cleared after I was told the check shouldnt have deposited so check will be rejected that day midnight and will return it in three business days. The banker just told me check was cleared and no fund can reversed. I was told speak to their investigator. The investigator said they couldnt see image of the check so they couldnt help me. I spoke with fraud department and banker at the branch and was told the check never should have been deposited. 
I think they should give me back the check and Cancel the debit transaction that the bank of america business card department has withdrawn.
Consumer complaint received 2023-03-02
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. (AL)

You are still violating my consumer rights I asked you to investigate an account on my consumer file XXXX XXXX isn't accurate information. Also, you didnt do a proper investigation, infact you verified this account on XX/XX/XXXX  ( SEE EXHIBITS ). Delete this account because of failure to report notice of dispute. DELETE THIS ACCOUNT from file XXXX.
Consumer complaint received 2022-04-01
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 am a victim of Identity Theft. I have requested to the bureaus on numerous occasion for the removal of fraudulent items that appear on my report. Those items are XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX To this day they have not been removed, and the credit bureaus, along with the creditors have no provided me with actual proof that I created these items. They have not produced any signature, or signed contract. I want these fraudulent items removed from my credit reports.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

Accounts that do not belong to me are being reported on my credit. I did not give anyone permission to open these accounts in my name. I have called Experian and told them in the past that these are not mine & I have no knowledge who opened them for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. There is also 2 address listed that do not belong to me XXXX XXXX XXXX XXXX, IL XXXX & XXXX XXXX XXXX XXXX, IL XXXX. My name is XXXX. XXXX & they are also showing that wrong as XXXX XXXX. There are inquries for things I never applied for XXXX, XXXX XXXX, XXXX XXXX. I have filed and also provided a police report as well as identity theft report.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX XXXX XXXX/XXXX has discharged a loan and it still shows on my credit report as 129-149 days late. the discharge is due to the fact that should have NEVER been enrolled into this school in the first place.See document attached.
Consumer complaint received 2022-04-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

After 18 years as a CapitalOne customer ( both credit card and savings account ), I finally opened another credit card with the company despite never truly liking their banking policies. The reason being is that they were the banking partner of the XXXX XXXX  credit card. I recently did a significant remodel on my home ( paid 100 % in cash because I have a large amount of savings ) and had some large furniture purchases that I needed to make. CapitalOne offered double rewards on purchases made within the first 30 days of opening my account. I feel like this statement is misleading and fraudulent for the following reason. I purchased my couches on the date of account opening ( XX/XX/XXXX ). I paid my balance in full on XX/XX/XXXX. The funds were pulled out of my checking account at XXXX XXXX on XX/XX/XXXX and the balance posted to my XXXX XXXX credit card on XX/XX/XXXX. The statement closed coincidentally on XX/XX/XXXX and the statement showed a zero balance ( no payment due ) and a full credit limit. However, two days later when I attempted to make another purchase at XXXX XXXX for some additional furniture that I need, the payment was declined. This was repeated multiple times. When I called CapitalOne on XX/XX/XXXX, two customer service representatives, including supervisor XXXX, tried telling me that the payment had not posted to my account ( despite it showing that it posted on XX/XX/XXXX ) and that the funds were on hold due to not being received ( despite my bank having had funds debited on XX/XX/XXXX ). This being told to me despite everything showing that this was not the case and the available balance was being unjustifiably withheld. CapitalOne attempted to state that all accounts at the bank are maintained separately ( which working in banking myself I know that is not the case since banks do householding- for marketing purposes- and my accounts are all linked together already in their app, online, etc ). Attempting to state that a customer that was approved instantly for credit DUE TO MY RELATIONSHIP WITH CAPITALONE FOR 18+ YEARS with absolutely no credit issues, should have a payment on hold from a linked direct payment account ( XXXX XXXX XXXX with the CapitalOne for well over a decade, is unacceptable. Sending a statement that says my available balance is the full amount but denying that available balance when actually attempting to be used, is fraudulent, misleading, humiliating and deceptive. I will be canceling my savings account completely ( I have already pulled most of my funds from this account due to not being happy with CapitalOne in the past ) and will most likely be canceling my credit cards when they will not unduly harm my credit score for doing so. Extremely unhappy with CapitalOne 's practices and their customer service. I sincerely hope that this wasn't targeted toward me as a female and XXXX.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (GA)

XXXXstarted refinance process with Freedom Mortgage ( lien holder of current mortgage - est savings XXXXmonth ). Provided paystubs. 
XXXXinformed by lender that app was in underwriting. 
XXXX-received LOE for my previous address and my mother 's home. Provided same day XXXXXXXX-new estimated saving down to $ XXXXmonth. asked for explanation why the drop. 
XXXX-I determined I was being charged double for items already in escrow and being paid by current mortgage. Lender determined it was a " mix up '' and savings would be $ XXXXmonth. Did NOT receive any documents to sign indicating $ XXXXmonth savings only indication was via email. Lender never gave further explanation on how this happened. 
XX/XX/XXXX - cancelled refinance as never received documents to sign showing $ XXXX/month savings. 
XX/XX/XXXX - called and complained as never heard reason for " mix up '' which would have cost me money in long run had refinance completed. was told rates lower, savings now $ XXXXmonth. 
XXXXProvided current paystubs as that was what manager told me was needed to get this back on track. Received notification from manager paystubs received. 
XXXX-received request to esign XXXXesigned docs XXXXreceited LOE for previous address. provided again even though it was provided back on XX/XX/XXXX. 
XXXXreceived and esigned docs XXXXasked manager why i'm being asked for documents multiple times when already provided. Manager said he would handle that. 
XXXX-received phone call request for paystubs - were provided on XX/XX/XXXX and manager confirmed he received them. forwarded email that was provided on XX/XX/XXXX to caller. 
XX/XX/XXXX - request to re-run credit - i declined. lender had all documents needed by XX/XX/XXXX ( XXXX if you count multiple requests and responses for same documents ). 
XX/XX/XXXX received notification that i requested refinance be cancelled - this is absolutely not the case. Lender could not complete refi process even though they had all documents by XX/XX/XXXX ( XXXX see above ). Credit report expired XXXX. 
XXXX asked why loan could not be completed, why I was asked multiple times for documents already provided. Asked for lender to do one of the following 1 ) complete re-finance 2 ) remove credit inquiry 3 ) lender to reimburse me the monthly difference ( {$130.00} ) in current loan and refinance amount as they didn't complete refinance though they had all documents by XX/XX/XXXX ( XXXX if you count duplicate request/responses ) XX/XX/XXXX spoke to another manager who indicated a VP would contact me. 
XXXX - Had not received a response in over two weeks. I noted this refinance should have been completed by XX/XX/XXXX and I have made XXXX and XXXX mortgage payments at higher payment since refinance wasn't completed in time when lender had all documents to do so. Asked when lender will credit my account the missed saving due to them not completing the refinance. 

as of XXXX I have yet to receive any response nor have I received phone call as I was told on XX/XX/XXXX.
Consumer complaint received 2024-09-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: VELO LAW OFFICE (MI)

Third party garnish my checks for about almost XXXX  before when I filed bankruptcy they stop an returned my money after months went by my discharge letter was sent out an this company ignored it an still came behind my back an took more money from me through the state which was for about XXXX I was waiting on because I had filed my taxes they have violated my rights an they have broken so many laws as I have filed bankruptcy I would like my money back or I will sue this company an everyone involved the company is Sunhomes an the lawyer company is Velo
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (IL)

I made my phone bill payment two XXXX wireless on XX/XX/2024 {$65.00} was taken out of my account and the transaction was completed on XX/XX/XXXX my phone was shut off due to cash app asking for my payment to be returned to them which caused my phone to get shut off without even notifying me of any of this going on they can not give me a reason why my payment was sent back to them they're stating that they did not do that XXXX wireless is stating they did do that and I don't have a phone on I have a father who is very ill and has to have a phone at all times due to his medical equipment and they also have given me no reason for that and they're expecting me to wait 10 days for the payment to hit XXXX XXXX in order to give me the money back that should have never been taken out reverse back to them because it was completed payment my phone was on from XX/XX/XXXX to the XXXX for 10 days and then all of a sudden my phone was shut off I get no response no answers also with them I can not even add money to my account which I was able to do so many times but all of a sudden it just quit then my husband had {$2000.00} in his account and it got hacked and when he turned it into them they close this account out and will not give us our money back so I mean there's so many problems with this company that we don't even know where to begin
Consumer complaint received 2021-07-08
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: EQUIFAX, INC. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOT ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.