davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, 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. (IN)

These account review inquiries on my TransUnion credit report I do not recognize. I have not done anything with this company. I would like these removed, even though they do not hurt my credit score.

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2021-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

This is a continuation of case # XXXX, which should have never been closed. 

LoanCare , LLC did call me in XX/XX/2021 as stated on the previous case and they did say they would send me my paperwork. They sent another incorrect package. 

Since then I have had several conversations with them, all customer service agents and their loss mitigation department have stated that my corrected documents are in the mail. 

They stated that my new payment would be due on XX/XX/2021 and the paper work would be sent out in a couple days. Well, 2 months and several phone calls and promises later, I still do not have the paperwork to remove my account from forebearance. 

They are deliberatley stalling so they can collect more money from the government funding during the Covid pandemic and not having any care that they are eating away at my equity that I had in my home by all thier delays. 

I want them fined and I want to be financially compesated for the delays that have decreased the amount of equity in my home. I want to be compensated for the over 40 hours of time I have spent on the phone with them trying to resolve this issue with them and their incompetent loss mitigation department. 

I HAVE BEEN ASKING SINCE XX/XX/2021 TO HAVE MY HOME REMOVED FROM FOREBEARANCE. THEY MUST BE VIOLATING FEDERAL REGULATIONS IN COLLECTING MONEY FOR MY LOAN FOR 6 MONTHS AFTER I ASKED THEM TO REMOVE THE FOREBEARANCE.
Consumer complaint received 2021-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (CA)

Bull City Financial has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX hardship and suffering through loss of XXXX  and XXXX. 

I was told by Bull City Financial that the item would be deleted if I paid. I did and the account is still being reported. 

Account information below : Account number : XXXX Date Opened : XX/XX/2017 Original balance : {$160.00}. 

I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Failing to honor the deletion of the account after payment was made in full. Account has been re-aged. 
Negligence. 
Unfair business practices. 

have suffered several financial and emotional damages due to this account. I demand to get the account removed from my records. I give you a deadline of 30 days to delete the account from my reports.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

Hello, and thank you for your help in advance. 
I sent a complaint XX/XX/2020 to you regarding fraudulent activity on my US Bank Reliacard. You replied to my complaint and let me know that US Bank is working on this issue as of XX/XX/2020. I still have not heard from them. ( Complaint ID XXXX ). 

I have a new issue to report. They finally released the {$4400.00} that was on my new card to me on Friday XX/XX/2020. This was Unemployment money that was building up on the card while it was on hold, pending Identity Verification. I was advised by Reliacard to take the money off the card as soon as possible, due to the high level of fraud on these cards. I immediately went to the ATM, withdrew {$500.00}. Then, went to my bank, had the bank employee transfer {$1000.00} to my checking account ( Daily Limit of {$1000.00} per transfer ). This brought the balance down to {$2.00}, XXXX. Plan to do this daily until all the money was transferred. 

On Sunday, I went to the ATM, to try and withdraw additional money. Checked the balance first, and noticed there was {$2000.00} missing, again. I tried to withdraw money, " Amount entered will exceed the daily limit ''. 
I immediately called US BankReliacard. I spoke to a Supervisor, XXXX. They will again send me fraud paperwork. She, for the first time ever, asked me for my email address. The email she had on my account was XXXX or XXXX. She didn't save it, too late to verify exactly. So, the name attached to this fraud is again XXXX XXXX, she lives in XXXX. We also have a phone number and home address, as well as her last 5 or 6 addresses. I am continuing to investigate this on my own. 

Today,, I went to my bank, and they transferred {$900.00} from my card to my personal bank account. There is actually {$1.00} on the card as of right now. 

Additionally, I have never been able to open an online account with US Bank. Apparently, this person I mentioned earlier had an account all along, using my information with her email address. I provided my email address to the Supervisor yesterday. She was stunned, and admitted to me that this is apparently how these 3 fraudulent transactions occurred. The daily limit to withdraw funds by computer is {$2000.00}. 

Thank you again for helping me. I have contacted the police, and will again file a police report. I am waiting for a call back from them. 

This fraudulent transfer of funds was at XXXX XXXX on Saturday, XX/XX/2020. It was done by computer. This information was given to me by the Supervisor at Reliacard. 

Sincerely, XXXX XXXX XXXX Sincerely, So, now she has stolen {$6000.00}. I am on my last week of unemployment, actively looking for work.
Consumer complaint received 2023-02-16
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : MN CHILD SUP Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-08-20
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: Franklin Collection Service, Inc. (CT)

On XX/XX/2019 Franklin Collection services reported a derogatory remark on my credit report for a collection of XXXX dollars. The original creditor was XXXX XXXX. I later learned it was my ex wife who open the account under my name with out my consent. I called Franklin collections to resolve this and get this remark off my credit report because I’m currently try to purchase a house. The told me “ pay the full price and we will remove it or pay partial and won’t take it off the credit report. I was met with rudeness and unprofessionalism. I have told them I had no knowledge of this account to which their response was rude and unsympathetic. I need this removed off my credit report and I’m even to pay a partial of the collection considering the account was open with out my consent.
Consumer complaint received 2021-05-26
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. (LA)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

I have contacted Equifax XXXX  times now ( XXXX  in XXXX, faxed them in XX/XX/XXXX and XXXX times this past week ) each receiving different responses regarding the block on retrieving my credit report. Today, I was told that I have nothing filed with Equifax, despite verifying with all my creditors that they have been sending the correct information to all 3 credit bureaus and Equifax specifically. I have had no issues receiving credit reports from XXXX and XXXX, only problems with Equifax. In XXXX, they asked for me to fax documentation verifying my identity, which I did send and never received a response back or any update in receiving my credit report. 

Today I have once again faxed my documentation to prove my identity to Equifax to pull up my file. This is extremely unacceptable and is getting in the way of my process of obtaining a home loan from a lender as a first time homebuyer.
Consumer complaint received 2020-10-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Experian Information Solutions Inc. (CA)

I notice a XXXX Checking and credit account open under my information without authorization and permission, I notice there's is predatory practice by the bank intuition to incurred a large amount of transaction without my permission or acknowledgment.
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX XXXX XXXXXXXX XXXX updated the payment history on this charged off/PAID account. They updated the payment history to this account that was closed and PAID in XX/XX/XXXX. Also, all of the payment history from XXXX, XXXX, XXXX, and was removed from this account. They reaged the account which dropped my credit score XXXX points on Equifax. This is the SECOND time this has happened with one of their accounts on my report which is ridiculous. This company is not reporting accurate information for this old closed PAID charge off debt that is severely hurting my credit report. According to the FCDPA they are in violation for not properly reporting the correct information nor have they provided documentation of the alleged missed payments on the closed account the information should have not been updated because there was no request to add missed payments or removed positive payment history. 

This account needs to be removed immediately from my credit report.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have notified all 3 bureaus that I am a victim of identity theft. In fact I have had an extended fraud alert on my credit for years and I am suppose to be contacted before lines of credit can be open. For the most part I am but for the following items and accounts I have not been. I let all 3 know that these are not my accounts or applications. It's been over 5 months since I did this and I have not received any update regarding the investigation or their findings. The items are still listed fraudulently on my account.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have notified all 3 bureaus that I am a victim of identity theft. In fact I have had an extended fraud alert on my credit for years and I am suppose to be contacted before lines of credit can be open. For the most part I am but for the following items and accounts I have not been. I let all 3 know that these are not my accounts or applications. It's been over 5 months since I did this and I have not received any update regarding the investigation or their findings. The items are still listed fraudulently on my account.
Consumer complaint received 2021-05-26
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

XXXX Open case no response, I contacted the company, as to their response, no feedback. Plus the entire process has not been answered. I asked as to why I wasn't told by Mr. Cooper, that I would be subject to a penalty and loss of VA eligibility, as well, as receiving documents of the end result. 

I received neither. This company, is continuing to discredit Veterans, and owes me a proper answer, not some XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FC HoldCo LLC (NV)

I have called costumer service because I was a victim of some of the names on my credit report and I would like to remove this hard inquiers on my credit report because customer services did not want to dispute it over the phone!
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX i was notified that wells fargo had closed my account no reason was given. I was mailed out the amount in my account the moment it closed of XXXX which was my remaining balance at time of closure XXXX a online business i had purchased a products from in XXXX XXXX. I had returned all the products and received a full refund in 2 separate payments. The last portion {$510.00} was returned to my debit card with Wells Z FARGO I made the purchase with on or around XX/XX/XXXX days after wells fargo closed my account when I contacted wells fargo they said it was never received because after an account is closed no refunds would go to my acct. about 6 phone calls back and forth XXXX produced documentation showing the transfer being received and I showed this to wells fargo and they located the transaction apologized and said they will send a check to my home for {$510.00}. I never received the check for {$510.00}. I continued to call and do three way calls with XXXX on the line and wells fargo would never be able to provide any answers and every phone call i had to go over the whole call because there was not much of a record keltwhere the money was and promised a manager would contact me back and I never received any returned calls from managers. This lasted from XXXX XXXX - XX/XX/XXXX till I the point representives with WF would put me on hold and never return to the call to assist me. They never can answer where the money has gone but mention j owed them money but could never produce for what and how much I owed wells fargo.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CO)

Please note : I'm making 2 complaints, one against Chase and one against XXXX as they are partners in this issue and neither satisfied the rewards as described. I applied for a Chase XXXX XXXX credit card XX/XX/XXXX ; I received communication in my XXXX - inbox XX/XX/XXXX stating they were reviewing the application and on XX/XX/XXXX stating the card had been approved. I initially applied for this credit card for the reward of an " {$250.00} XXXX e-gift card instantly, upon approval from XXXX '' ( see XX/XX/2021 letter from Chase ) and also for the " XXXX points after [ I ] spend a minimum of {$3000.00} ''. The offers have now changed and I can not find the original guarantee - however, in multiple contacts with Chase the offer was verified. I have not received the e-gift card. As of today, I have not received the points. I've sent multiple inquiries and have had multiple phone calls with both XXXX and Chase. In these communications I've explained that I have not received the 'e-gift card '. In each instance, neither company takes responsibility and both state that the other company is responsible for the issue. For both companies, they have stated both in writing and on the phone that the e-gift card should be provided by the other company. Please see the multiple letters and other documents provided. I'm hoping that this complaint will escalate the issue to higher level employees at Chase and XXXX that can help resolve this issue as I've requested that - I've requested communicating in telecons, I've contacted these companies and have no resolution. Please contact me with any questions/concerns. 

Thank you.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NC)

I would ask CFPB to investigate Lexis Nexis for violating my federally protected consumer rights to privacy and confidentiality under FCRA 15 USC 1681 and accurate reporting. 

Bankruptcy XXXX XXXX XXXX XXXX XXXX. 

I received a letter from XXXX stating that their public records furnisher verified the Bankruptcy to be accurate which they are reporting. I also contacted XXXX via phone on XX/XX/year>2024 and was told that Lexis Nexis verified the Bankruptcy to be accurate. 

Lexis Nexis sent me a letter stating that they do not have a Bankruptcy for me in their database and confirmed it via phone on XX/XX/year>2024 but XXXX is stating that they confirmed the Bankruptcy to be accurate. I need to know if there is an error on both agencies ' parts or if they are involved in unethical business practices.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This is a continuation of account number XXXX, submitted on XX/XX/2021 closed on XX/XX/2021. 

Although the letter received from the company ( XXXX XXXX ) states that there indeed WAS a mistake and the account was duplicated and would be corrected, I have since received letters stating that there was not an error and no corrections would be made.