davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

on X/X/2017 I submitted an online dispute for a Chapter XXXX Bankrupcty Docket XXXX that does not belong to me. On X/X/2017 I received an email that was addressed to a person by the name of XXXX but included my Transunion file # XXXX stating that my dispute had been completed. I called Transunion and spoke with supervisor XXXX XXXX and advised her that someone else 's name appeared on my letter and that my information seemed to be comprised. She stated that the name XXXX that was sent on my letter to my email was incorrect and that the letter did actually belong to me. She advised me that the Bankrupcty that I had disputed had been verified. I asked her for the method of verification and the source of information since there was no way possible that a dispute of this nature could have been thoroughly investigated in 2 days. She advised me that Transunion sends a 3rd party to the Federal Courts to verify information. I asked her for the name of the 3rd party company and also the rep that was sent to verify the information. She said she does not have this information but that the 3rd party received verification directly from the IL Federal Court in XXXX IL. I called the Federal Courts ( XXXX ) and I spoke to XXXX. I asked her if anyone from the credit bureau or one of their 3rd party representatives had come in or called to verify a bankruptcy and she stated that the Federal Courts DOES NOT supply or verify information to the credit bureaus or any of their 3rd party affiliates. She said the credit bureau did not receive any such verification. Transunion has not thoroughly investigated my dispute and has lied about the method and source of verification. Pursuant to the FCRA this item must be deleted from the credit report as a thorough investigation has not been completed.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2013  to  XXXX     2013  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I signed up with a service called XXXX XXXX and linked my Bank of America account to it so that I can cash out on my paycheck early instead of waiting for payday. This requires that my account maintain a positive balance in order for them to send money to the Bank of America account. Bank of America has not maintained an active communication with XXXX XXXX to show the realtime balance in my account. As a result I am not able to cash out with XXXX XXXX and am limited in my ability to pay for things I need to survive. I need Bank of America to actively participate with XXXX XXXX so that I am not handicapped when my personal account is low in balance.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Experian is reporting  XXXX  negative amounts that are  all 7years or  more old.   I have spoken with them in prior months and they verbally agreed to remove them from my report to this date they have still not been removed. These accounts are as follow  XXXX   XXXX   XXXX  ...  .30 day la te  XXXX   XXXX   XXXX  ... ... ...  ..30 day la te  XXXX    XXXX   XXXX   ... ... Collection  XXXX  ... I have no idea who this company represents  XXXX   XXXX   ... ... . .. ... .Collection ... .rep  XXXX   XXXX    XXXX   XXXX   XXXX   who admits that the collection came to them with NO MONEY owed attached to it ... yet he claims that he is unable to remove it nor can he  XXXX   XXXX   XXXX   XXXX  and ask why he was sent my information  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX
Consumer complaint received 2015-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NC)

Fell behind in payments due to medical issues. I was told by Greentree Financial ( now Diatech ) that I qualified for a loan modification. I submitted the tools needed for the loan modification and was denied because I did n't have a conventional loan. I was told to pay {$4100.00} by XXXX XXXX, 2015 by XXXX different people. When I called XXXX XXXX to make the payment over the phone, they told me that I had to pay {$11000.00} plus attorney fees because it is in foreclosure.
Consumer complaint received 2017-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BTH Management (TX)

THIS ACCOUNT WAS INCLUDED IN A CHATER XXXX THAT WAS CONVERTED INTO A CHAPTER XXXX. THIS COMPANY CONTINUES TO TRY AND CONTACT ME AND HAS PLACE THE ACCOUNT ON MY CREDIT REPORT. BK XXXX
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

Hello, My credit report was used by a housing company manager from XXXX XXXX to deny my application for a lease. The company did not indicate as to how the assessment was conducted nor did they provide a copy of the report they used for the denial. 

As of XX/XX/XXXX, my report indicates only mortgage debt. I have paid off any derogatory payments which occurred due to a XXXX  in XXXX. 

It is imperative Im able to rent or lease which would improve the credit score for home buying. 

I need access to an updated a credit report which accurately provides leasing companies the information they require.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

In  XXXX  of  XXXX , I received a notice from   XXXX   XXXX   XXXX   XXXX   that my loan was being transfered to Shellpoint mortgage. They sent me a bill in  XXXX  and I have been paying. However, very prominently displayed on my statement ( attached ) is a demand for {$29.00},   XXXX   I was shocked. I called to inquire and the representative said it was legal fees from when I modified my loan with   XXXX   XXXX   XXXX   in  XXXX . I was told it would come off the  XXXX  statement. However, when I called in  XXXX , I was told that I might owe this money. How can I owe this money when the modification happened in  XXXX  and I have been current and paying my bills?
The second issue is that this mortgage company has put forced placed insurance on me when they know that there is no structure to be insured.  XXXX  of  XXXX , the house for this mortgage burned down -- only the land remained. Even though I have been living like a dog, in trailer without water or electricy, I work two jobs to pay my mortgage. That property is all I have. ( You can read about my struggles in w  XXXX   ). I would like help before I get caught in the bureaucracy of this crazy lender.
Consumer complaint received 2022-10-06
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)

Im accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 

15 u.s.c. 1681 section 602 A states I have a right to privacy.

15 u.s.c. 1681 section 604 A section 2 also, states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-06-08
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. (IL)

Hi there, I disputed inaccurate information on my Experian credit report twice in XX/XX/XXXX  and  XX/XX/XXXX . It was about unauthorized hard inquiries. I asked Experian to provide a verifiable proof I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of them via FCRA section 623. I asked them if they have no proof of any or one, I would like these inquiries to be removed immediately. I received the results from Experian and they didnt provide me with such proof and kept reporting those hard inquiries as inaccurate information. According to FCRA the following hard inquiries should be removed immediately : Creditor Name :   XXXX   XXXX   Date : XX/XX/XXXX  Creditor Name :   XXXX   XXXX   Date :  XX/XX/XXXX Creditor Name :   XXXX   XXXX   XXXX   Date :  XX/XX/XXXX  Thank you
Consumer complaint received 2024-02-08
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. (CA)

XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2022-03-03
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (NY)

I have had an american express card for 28 years, about 2 years ago there was fraud on the card and American Express closed the account and issued an new account number. At the time of the fraud I spoke with American Express and stated that no subscriptions should be carried over to the new card. However for the past two years, charges for XXXX XXXX  were charged to the cancelled card and transferred to the new card despite my express instructions at the time of the fraud that no subscriptions would be transferred to the new card. During the interim I contacted XXXX but they had my boyfriends information linked to the cancelled card number so I was unable to verify the information. I would like the charges to be reversed as they did not have my permission to charge on the new account with the old account number.
Consumer complaint received 2017-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX   XXXX ,  2017 Federal Trade Commission Consumer Response Center   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX  : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against  XXXX   XXXX   XXXX ,  XXXX , Transunion,  XXXX .  <P/> For the last 2 months I have filed more than  XXXX  disputes against  XXXX   XXXX   XXXX , reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved.  <P/> I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with  XXXX   XXXX   XXXX  to date. Today I received another letter from  XXXX  stating that  XXXX   XXXX   XXXX  has properly investigated my balance and is still reporting my balance as {$19000.00} since  XXXX     2017 (  recently updated i n May the s ame balance. I also received an alert from Transunion that my balance is {$19000.00} and has been so since  XXXX ,    2017 I co ntinue to send the same documentation to the Transunion,  XXXX  and   XXXX   ; I have called   XXXX   XXXX   XXXX   and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from  XXXX ,  XXXX  and  XXXX  as you can see the statement dates are the  XXXX  of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation.  <P/> I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.  <P/> Thank you for your assistance.  <P/> Sincerely,  XXXX   XXXX
Consumer complaint received 2017-06-08
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: EQUIFAX, INC. (TX)

Equifax has refused to properly investigate  XXXX  ( a collection company ) that has erroneously ( with malice ) reported the same debt, twice, as a new collection item. The double-reporting of this collection item is fraudulent. This company has also refused to submit documentation showing date of first delinquency.
Consumer complaint received 2022-03-03
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. (TX)

XXXX XXXX XXXX XXXX  DOESN'T READ COMPLAINTS. I have continually complained against Experian and XXXX XXXX XXXX XXXX ( XXXX  ) because they accessed my credit report without my permissible permission on XX/XX/2017. I continually request the permissible permission and have yet to revive. I know it does not exist. XXXX doesnt read the complaints and continues to label complaints This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. But then they contradict the above statement by stating Keep track of the original complaint numberXXXXso you can track its status and receive the company response on your Consumer Portal or by calling us. Doesnt make any sense.
Consumer complaint received 2017-06-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am a XXXX XXXX who spent this past semester studying abroad in XXXX. Before leaving to study abroad, a Bank of America representative suggested that we add my mom 's name to my savings account, so that she would be able to make deposits and any other actions on my behalf while I was out of the country. My entire life 's savings and a portion of my Federal Student Loan ended up being swept from my account and Bank of America put me in jeopardy of not being able to stay abroad and complete my semester. <P/>On XXXX XXXX, 2017, {$6000.00} was swept from my savings account with a description of " DEBIT FOR CHARGED OFF ACCOUNT XXXX XXXX. '' I called Bank of America and learned that the charge was made in order to pay my mom 's 2nd mortgage. I have tried calling multiple times from XXXX XXXX and each time, the representative on the phone either placed me on hold indefinitely, said they could not help, or said that my mom would have to call the mortgage loan line and get it resolved on her end. My mom never even ended up using our savings account, and never knew the routing number. The {$6000.00} purely belonged to me and her name was only added because of the recommendation from the BofA agent. We had no idea that there was any risk of the money being taken, and my mom was n't even aware that her name was on the 2nd mortgage which was taken out 10 years ago by my father. <P/>In general, the representatives I called were very sympathetic to my situation and would have like to help, but they could do nothing due to the policies put into place by Bank of America 's executives that allow them to take the life 's savings of a XXXX XXXXt without any regard to the circumstances. Due to Bank of America 's actions, I was in serious jeopardy of not being able to stay in XXXX and finish the semester. I had to borrow money from friends to be able to meet basic needs such as food and school supplies. I implore Bank of America to consider the morality and ethics of their practice and to make right of the dire situation that put my XXXX XXXX at risk.
Consumer complaint received 2023-01-27
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview is woefully understaffed for the loans they are servicing. They never answer the phones and it takes and rarely respond to email requests. They have acted with gross negligence handling this short sale request and borrower is being unnecessarily forced into foreclosure due to Bayview negligenc e.
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (PA)

I owned the property and was keeping it and I moved to another area. I planned on keeping the property and sell it at a later date but I was in a serious accident and XXXX XXXX XXXX and was out of work for 10 months and could n't pay it. so I have been in the process of a short sale for a year now and my mortgage company wo n't agree to the buyers amount to pay for the home, the mortgage company want 's more than it was appraised for. So they said it will go to a sheriff sale, If that happens they wo n't get half of what the buyer is willing to pay. The buyer is being being very patient, .I sent all the requested paperwork to the mortgage company to show I do n't have the resources to pay for the house.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (FL)

I received a charge on my credit card on XX/XX/XXXX for {$3400.00}. The charge was at a university in XXXX. About two weeks later I called about it and it was reversed along with several automatic monthly charges of XXXX that we discovered on while on the phone. On XX/XX/XXXX, I received a letter stating that after an investigation it was determined that the activity was valid and the provisional credit was reversed and I was being held responsible for the charge. I am not sure why. I have received 2 subsequent letters after a phone call by me : one stating that I was responsible on XX/XX/XXXX and another on XX/XX/XXXX stating, thank you for your concern we will fully investigate your concern and contact you if we need more information. Since then I have received no communication. When I call I am put on " terminal hold ''. I am a XXXX year old retiree who graduated college in XXXX. This transaction does not pass any reasonability test. Can you help me with this problem?
Consumer complaint received 2017-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (SC)

On   XXXX   XXXX  2017    I sent o ut a request for debt validation to the company AARAGON COLLECTION AGENCY in regards to ac counts  XXXX  and  XXXX  ( letter attached ). I have yet to receive any correspondence in regards to debt validation I disputed this company with all   XXXX    credit reporting agencies  as " no contract unknown debt '' I am in no legal binding contract with AAROGON AGENCY and I requested that the accounts be deleted or debt validation be provided. The have removed one ac count from my  XXXX  report but both accounts should be removed from all   XXXX   credit reporting agencies.
Consumer complaint received 2017-10-12
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. (MN)

There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted XXXX fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees.

Comment Account closed at credit grantor 's request.

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WELLS FARGO & COMPANY (NY)

XXXX   ( original creditor   XXXX   XXXX   ) calls my place of employment every single day, all day. They ask the receptionist to transfer them to my boss a nd after leaving messages on his voicemail they continue to harass the receptionist with several calls.