davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, 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, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION (AL)

I have made purchases and the money is put on hold for my account balance which withhold it from my available balance. When money is deposit into my account the amount is removed once again. Also, I have made an purchase and the money is removed from my account then once I return item the amount is not put into my account for my available balances. These items are not deposited into my account because the dates in my account are not correct meaning it do not show the actual correct amount. I have noticed this several times, however, once I reported it to my bank they say the dates are not showing duplicate withdrawals which it wouldnt because the dates are wrong. I have proof how I have purchased something then return the item and the amount was not available but shows how it was put into my account on the date I purchased it not the date it was available. Therefore, it wasnt any money available in my account.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

THERE ARE XXXX BANKRUPTCIES REPORTING ON MY CREDIT STATING DISMISSED IN XXXX & XXXX THAT DO NOT BELONG TO ME. THE CREDIT REPORTING AGENCIES HAVE REFUSED TO DELETE, NOR PROVIDE PROOF THAT THESE ITEMS BELONG TO ME. THEY ARE HURTING MY CREDIT AND WONT ALLOW ME TO QUALIFY FOR A MORTGAGE. THEY SHOULD NOT BE ALLOWED TO REPORT INACCURATE INFORMATION THAT CAN CAUSE DAMAGE TO A PERSONS CREDIT.
Consumer complaint received 2016-12-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (CO)

Our business has between 1-3 business checking and savings accounts ( I believe ) with Key Bank. The member who had sole access to the accounts died XX/XX/2016. XX/XX/2016, the business voted on a resolution to allow me access to the accounts. XX/XX/XXXX, I met with XXXX XXXX at the XXXX XXXX branch of Key Bank with all the documents my estate administration attorney advised. Almost two months later, there is always an excuse : unexpected training, illness, the only person who can help is in XXXX, etc. I even have XXXX of the account numbers, and need access. The business has come to a halt while I continue to wait for Key to make progress.
Consumer complaint received 2016-02-12
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (GA)

I 'm having a problem with netspend I requested a card and it 's been almost a month and have not received it so I requested a new card to be expedited through XXXX. I called back for a tracking number and they could n't provide one because a card was never sent out. They have my tax refund and do n't even release it to another netspend card, that I, have. Can you please help
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (PA)

American Honda Finance received my XX/XX/2021 auto loan payment on XXXX XXXX, 2021 ( due date XXXX XXXX, 2021 ). However, XXXX misapplied my payment to the wrong account of a related family member. I received a collection call from XXXX when the account went 30 days past due. I requested XXXX to correct the misapplied payment, which they did. However, they did not reflect the true payment date of XXXX XXXX. 
My credit history on XXXX and XXXX reflects a 30-day delinquency, which has significantly impacted my credit score unfairly as the payment was received before it was due, which tells me that XXXX has not correctly reported my account history to the credit bureau agencies .

I have attached a screen shot of my payment history from my American Honda Finance account.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (PA)

I have reached out to the company concerning the late payments listed on my report. I was told by a representative that during the months that my payments were deferred due to COVID 19 I would not receive any late payments. The creditor failed to hold up to the deferment contract that i signed and have violated my rights. Please update and remove the late payments that are listed for the months during COVID 19
Consumer complaint received 2017-10-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: EQUIFAX, INC. (NJ)

Equifax is showing 90 days late with XXXX XXXX. My car was totaled and had GAP coverage. The GAP insurance short paid XXXX, through no fault of my own. They are now chasing me for the money owed by XXXX, which I think is illegal. Now my credit is ruined because of there nefarious actions.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I have a Public Record listed on my credit report that is inaccurate and incomplete such as a Bankruptcy that Experian is reporting. The Federal law requires that the credit reporting agencies provide mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Experian numerous times for VALIDATION that is competent evidence bearing my signature, name, address and telephone number of each person they have contacted to VALIDATE this bankruptcy and they have failed me only to return stating that it has been verified with no substantiation whatsoever. I have received a letter from Federal Bankruptcy Courts stating that they DO NOT report information to the credit reporting agencies, but yet Experian is saying they have verified it with Federal Bankruptcy Courts, and I know they do n't because the information they are reporting is inaccurate and incomplete.
Consumer complaint received 2021-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

A complaint was filed with your Agency against Rushmore Loan Management in case number XXXX, and on XX/XX/XXXX, a response from Rushmore was filed with your Agency, reversing their position that I was not eligible to remove PMI, prompting your Agency to close the file on my initial complaint. I immediately requested from Rushmore that an appraisal of my property be conducted with the understanding that I would pay the said appraisal fee. Rushmore acknowledged receit of my correspondence and assured me that said request had been sent to their appraisal office for action. Severally, I was informed by Rushmore that it would be done. This issue of appraisal was supposed to have been escalated, but nothing came out of the escalation. I spoke with a couple of supervisors concerning this issue, yet it is yet to be addressed.

Rushmore is not providing me the reason it is dragging its feet on this matter. I would appreciate your Agency involvement one more time on this issue.
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (UT)

I have a home mortgage with Caliber Home Loans. I 've been working with them on a loan modification. As part of the modification process, I 've fallen behind on my payments because they are refusing to take payments while the loan modification is in process. I 've submitted all the paperwork and responded every time they have asked me for more information. At the same time, they have initiated foreclosure proceedings and set a sale date for my house.
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Brelvis Consulting, LLC (AK)

I contacted The Student Loan Help Center in hopes of having my student loans forgiven since I am an XXXX service member.They appeared very interconnected with the U.S. Department of Education and informed me that there was a high chance for my loans to be completely forgiven. They informed me that they could help me by consolidating my defaulted loans for me in exchange for a payment of {$900.00}. Although I gave them my personal information such as my SSN, address and debit card number, I feel my sensitive information was mishandled. I am now aware this third party does not need to be involved in the consolidation of my federal loans. I am also currently having those payments refunded to me through my bank and there is a pending investigation for fraud. I wish to inform the community of this organization so that XXXX soldiers will be aware of this scam.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to reach out to TransUnion credit bureau since XXXX 2015 to inform them of the fraudulent and in accurate data they are reporting in the case/report number referenced above. To date it has been almost 6 months and I cant tell you what is going on .... all I know is that I have filed a identity case with the FTC and I have submitted a police report to them but I have not heard back and the XXXX accounts are still on my credit. 
This is a nightmare for me. The XXXX accounts that I do not recognize/that were not originated by me are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX
Consumer complaint received 2017-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the  XXXX   XXXX   2016,   XXXX  $ were debited on my account on a ATM with the code of my card in  XXXX   XXXX .   First of all, I had my card with me the before and the day it happened. I have never been to  XXXX   XXXX  and I do n't even have my driver licence and I ca n't rent a car.   I was at m y   XXXX    school this day, and I have a letter that certifies that I was in  XXXX   XXXX  this day.     After few reflexions, I think what happened was that I 've been to an AT M ( w here I 've been few times ) and this ATM copied my data ( the number of the card and the code ) and copied the card with the number and the code.     I had explain this many times to Bank of America, by phone call and letters and they always said that my case ca n't be refund because they have the number and the code of my debit card.
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

I tried to purchase tickets from a seller on XXXX. He provided his phone number and email address for the ticket purchase. Once I sent the payment he deactivated his XXXX account and his phone number provided ( it was a XXXX XXXX XXXX ). The name he provided for me was XXXX XXXX but once I sent the money via Zelle it stated his name was actually XXXX XXXX. I never received the tickets promised. I did contact my bank to try to stop the payment but all they did was file a report.
Consumer complaint received 2021-06-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (HI)

I have noticed in the past three months, since XX/XX/XXXX, when I filed a joint action against Equifax for their data breach of XXXX, my credit score has dropped 100+ points. I am requesting a full investigation why Equifax is reporting a credit score of XXXX. Meanwhile, as of XX/XX/XXXX, XXXX is reporting a credit score of XXXX & XXXX is reporting a credit score of XXXX. I have contacted Equifax on several occasions & their representatives have basically no valid answers. This is hurting my credit profile & I demand to know why?
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2020 XXXX  {$88.00} XX/XX/2020 XXXX XXXX XXXX  {$10.00} XX/XX/2020 XXXX  {$160.00} XX/XX/2020 XXXX XXXX XXXX {$140.00} XX/XX/2020 XXXX XXXX XXXX {$170.00} XX/XX/2020 XXXX XXXX XXXX {$210.00} XX/XX/2020 XXXX  {$95.00} I contacted Chase bank to dispute the charges because those transactions were unauthorized, so I waited 2 months till the bank sent me the letter, informing me that the transactions were valid.
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (IL)

I made a purchase at a merchant during complete chaos at a concert with XXXX people. I ordered:XXXX prints ( @ {$60.00} ) XXXX prints ( @ {$60.00} ) XXXX prints ( @ {$30.00} ) XXXX XXXX XXXX prints ( @ {$60.00} ) XXXX T-Shirt ( @ {$40.00} ) For a total of {$2200.00}. The employee told me XXXX amount, but put a different amount on the receipt, and then never offered me a copy of the receipt. It was n't until the next day when a notice popped up on my phone that showed a total charge of {$3100.00}. I disputed the charge with AMEX and was declined because the merchant says " prices were posted. '' That was not my dispute. My dispute was the merchant was incompetent and over charged me. In talking with several people I know, and reading messageboards, this was a huge problem with the merchant. But, guess who takes the fall? Me, an {$840.00} overcharge, and AMEX gets their fees, the merchant gets their fraudulently obtained funds, and the little guy gets a stick in the eye and is out {$840.00}! What a fun outcome for everyone but the consumer! Dishonesty pays I guess.
Consumer complaint received 2017-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (VA)

I attempted to work with XXXX XXXX at the local office on this but she just blew me off, stating she did n't have time call this number. XXXX BB & T charging me over draft fees when I clearly had the funds in the account to cover said debit. Agent stated something about a pending fee that held the funds and the very next day that pending was also charged an over draft fee, These erroneous action of theft of my money caused a snow ball affect. I have balanced my account now and it should be stable. I want the funds returned to me that BB & T stole from me. I spoke with XXXX this evening and she even said in our talk that the actions of the bank is to hold these funds when in pending, as such this cause additional charges against me. Under a general ledger I had the funds to cover the debits and should not of been charged Over Draft fees. Funny XXXX stated they should n't of charged me but would n't remove these fees. 

Banks use what ever means they can to steal money from us hard working Americans and this needs to end.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

My complaint is concerning my mortgage info being removed from our, my husband and mine, credit bureau report. I recognized the problem when I viewed our credit reports on XXXX XXXX 2016. I was told by, XXXX of XXXX ( Dispute dept. XXXX ), that our mortgage info had been removed by HFC, Member HSBC XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX, phone # XXXX. XXXX told me that she knew that HFC removed the info, because XXXX database showed an exclusion code from HFC, and that sometimes businesses removed info for maintenance or optics reasons. I then called XXXX on XXXX XXXX 2016 and spoke to XXXX a supervisor, who told me that for business reasons, HFC temporarily suspended reporting on all their mortgage info to the credit reporting agencies, because they did not want to report anything negative. My response was, " when you pull info from a persons credit report it reflects negatively and will cause the credit score to decrease which would affect your customers negatively. '' He then told me that he did not know if or when HFC would be putting the info back and that I would have to fax my complaint to their Credit Bureau Dispute and Inquiry dept. The fax which was given was XXXX. I asked him would this dept. be able to add our mortgage info back to our reports. He said, no ... my reason for filing this complaint. I have never heard of such a thing and without notifying the customers. Is this even legal? I am also concerned, because this mortgage was applied for in the state of Arizona and I recently saw an XXXX news report in XXXX 2016 about lawsuits against this company.
Consumer complaint received 2016-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION (NY)

Two years ago XXXX, we applied for the XXXX XXXX XXXX savings program through M & T and were subsequently approved by the representative we worked with ( who is no longer an M & T employee ). Since then, we have successfully completed the program, making the monthly payments on time, and have completed the required counseling sessions. At this point, we have met with our loan officer several times, had all of our documentation in order, and successfully procured a mortgage loan. We were informed yesterday of a condition of the XXXX XXXX XXXX program that would have disqualified us from being accepted into the program ( I was a XXXX within 6 months of XXXX ), yet M & T approved us anyway. The person we met with checked all of the criteria for the program off for us without confirming with us that is that met the criteria, and only had us look at and sign page XXXX of a document. As a result, we did not receive the XXXX that would give us an additional {$7500.00} toward closing costs. We were told by M & T that they would do nothing to right this, despite the mistake being theirs.
Consumer complaint received 2016-07-20
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Williams & Fudge, Inc (FL)

Debt collector continues to call my family members daily even after they asked him to stop. He also disclosed private information about my debt to XXXX of my family members. And is using his name when he contacts other family members. Also calls my phone and their phones repeatedly throughout the day.
Consumer complaint received 2024-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX