davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (SC)

XXXX XXXX  last four of account number XXXX. 
There is to much incorrect information on this account. All of this incorrect information is hurting my score. 
It is showing as a charge off but is showing a balance and a past due amount which should not show if it is in collections. Also the date of the last payment is showing on XXXX at XXXX but on TransUnion and XXXX it's showing XXXX. Also the date last active is different on all three.
Consumer complaint received 2021-12-01
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. (MI)

i have contacted all XXXX credit bureaus as well as XXXX XXXX XXXXimes challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX  year history it is not uniform across the board which it should be...
Consumer complaint received 2021-12-01
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. (MI)

i have contacted all XXXX credit bureaus as well as XXXX XXXX  times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XXXX XXXX XXXX XXXX ( webbank company ) was paid in full and I requested that the account respectfully be closed as " paid in full, closed at consumers request ). I fought back and forth with petal in updating my balance and closing my account. I ended up mailing correspondence to transunion credit bureau with my last petal statement, proof of payment, and a paid in full letter from petal. Transunion reached out to petal to confirm if my documents where all accurate. Petal card reported to transunion that the account for XXXX XXXX had not been paid in full and was still open, violating the FCRA
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/2021, I requested full disclosure under truth in lending, under notary via certified return receipt mail for proof of claim that the following companies XXXX and XXXX XXXX are in fact the creditors of my account. Both companies has dishonored my request.
Consumer complaint received 2021-02-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC (NC)

Starting onXX/XX/XXXX and every day after for multiple times a day I've tried calling, emailing, and faxing novad for a pay off request and have yet been successful receiving it. I'm being told there is noone I can speak to and they keep putting in the request and can not do anything else.
Consumer complaint received 2022-05-01
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. (MN)

The following accounts listed on my Trans Union, XXXX and XXXX credit report are fraudulent, unauthorized and not my accounts : 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 2021-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Huntington Debt Holding LLC (FL)

I have been trying to reach Huntington DH at ( XXXX ) XXXX about a debt showing on my credit report. This is the phone number showing on my credit report. I called on XX/XX/2021 and left a voicemail. I called again on XX/XX/2021 and XX/XX/2021 and left voicemails each time. No one called me back so on XX/XX/2021, I searched for the company on XXXX, found the company website and called the phone number listed of ( XXXX ) XXXX. I left another voicemail. 
On XX/XX/2021, I still had not received a call back from anyone so I reached out to XXXX XXXX which is showing as the originator of the debt. I called XXXX XXXX at ( XXXX ) XXXX. A rep told me it was transferred to another agency called XXXX XXXX XXXX at ( XXXX ) XXXX. When I called that number, the rep said the account was transferred to Huntington and gave me the phone number of ( XXXX ) XXXX. I called that number and spoke with XXXX, who said that I called XXXX XXXX XXXX but they are affiliated with Huntington Debt Holdings. XXXX told me the account was outsourced to XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. I called that number and spoke with XXXX around XXXX. XXXX asked for my name but she could not find an account. She then asked for the last XXXX of my social and still did not find an account. She asked for my full social security number and then put me on hold. She came back to the phone, said she was still trying to locate the account, and put me back on hold. After being on the phone and on hold for a total of XXXX minutes, XXXX came back to the phone, said her whole system crashed, asked for my phone number and said she would call me back. I still have not heard back from XXXX or anyone else from this agency or anyone from Huntington which is the debt agency showing on my credit report. 
I would like this account removed from all three credit bureaus and I would this debt to be cancelled. No one can tell me what the account is, what it is for, or who it originally came from. No one can provide documentation showing this debt or who the debt even belongs to. This debt is not mine and there is proof of an actual debt.
Consumer complaint received 2019-03-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I called TransUnion a few months ago. There were numerous hard inquiries that I noticed on my credit report that I never authorized. I called TransUnion, first having SEVERE difficulty getting through to someone, and then being transferred back and forth between representatives which was frustrating and unprofessional. When expressing my concern with the representative, he told me that there was NOTHING at all he could do, instead directing me to write letters to the companies who performed the inquires to ask them to remove it. He offered to give me the addresses, but I declined. I feel as though TransUnion abandoned me, leaving me with nowhere to turn, as I thought they were going to help. Their lack of care and attention had caused severe harm to my credit score, leaving unauthorized inquires on for an extended period of time. I put my credit profile on a freeze for a period of time because of these but still have no resolution. 

They were as follows XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX I - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Dear sir/lady : I invested some money in Coinbase.com to operate with cryptocoins. 

Coinbase did lock my account during about 5 months ( from XX/XX/XXXX thru XX/XX/XXXX ). That is, they DID not let me recover my money during 5 months. 

My account was locked for no reason whatsoever. The did not send me any explanation nor attended my complains ( I opened 5 tickets ). 

The time when my account was locked was a period of high increase in cryptocoin value. Many other clients were blocked at the same time. I have a strong suspicion Coinbase simply operate clients money as they like, blocking your account when it holds a high value and releasing your account when market is down. 

There are many cases reported in forums : https : XXXX https : XXXX My account was released in XXXX. I got my money ( what was left ) out right away. 

Please take a look, I think this is just a fraud. 

Best regards and thanks
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (GA)

on XX/XX/2021, I requested full disclosure under truth in lending, under notary via certified return receipt mail for proof of claim that the following companies loanDepot and XXXX XXXX are in fact the creditors of my account. Both companies has dishonored my request.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (VA)

I applied for a mortgage through the Loan Depot company. My agent 's name is XXXX XXXX. I was told via text message that I was disqualified. The agent said the underwriter when I called. because no one sent me any info about my reason for denial except in a text message I called their customer service number and the XXXX said my application was never processed. Now my credit score is lower and interest rates are 2 % higher. I applied on the XXXX, XXXX.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once  identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX Capital One Bank XXXX Checking Account was frozen due to XXXX funds being deposited, the bank requested XXXX tax returns and bank statements showing the tax refund being deposited. As well as an official form From the XXXX stating that the loan funds were paid back in full and the loan is now closed out. I filed a complaint before on this matter Capital One was supposed to return the funds to the lender and close the account, its been almost 8 months and the bank is still holding the money and wont release it to ether the lender or to my self. There is no longer an active loan due to the pay off in full and its been 8 months and the law states the bank needs to return the fund from the account in a reasonable amount of time. 8 months is NOT REASONABLE IN ANY SITUATION. 
I want my funds and the account to be closed there is no reason why it should take 8 months to return funds and close an account. The amount the bank is holding from me is {$2100.00}.
Consumer complaint received 2018-02-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I am being bullied and forced into foreclosure or bankruptcy by Chase.I qualify to assume my deceased mothers mortgage which I have paid on time since XXXX, but they will not modify the loan, even though I have been accepted into Chase Banks Assumption and Modification program. 
I need to use XXXX in equity out of the XXXX in equity existing in the property and extend the repayment. Without this modification its going to force me to bankruptcy or foreclosure even though as I said, I have the ability to repay my debts if they would modify the loan. 
Since XXXX I don't qualify for a mortgage anymore even though I am current, have a XXXX credit score and pay {$970.00} per month currently under my deceased moms name. That payment is based on XXXX, financed in her name in XXXX. 
Now I owe XXXX on a house worth as high as XXXX per their own value assessment. In reality its worth XXXX, that's XXXX in equity. I want to use XXXX XXXX of my own equity, add it to the XXXX owed, and make payments on XXXX for 30 years at 4 %, which is XXXX XXXX  monthly, plus my taxes etc. of XXXX XXXX  monthly, or {$970.00} per month, all creditors paid off, still their customer, raise my XXXXredit score and remove {$750.00} of MINIMUM payments per month now, the thing forcing me into bankruptcy/foreclosure. I can't afford the mortgage payment AND the minimum card payments, why can't I use my own equity to solve this problem and avoid bankruptcy! Its win win for XXXX XXXX!
Consumer complaint received 2018-02-15
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. (CA)

On XX/XX/XXXX, i sent a requests to XXXX  and Transunion to have them investigate several inquiries that are listed on my credit report. My request was made because there are several inquiries that simply are not inquiries that I initiated, I requested as per the Fair Credit Reporting Act Section 604 ( a ) ( 3 ) ( a ), asking that they send me an application with my name on it in it's original form proving that I was indeed the one who initiated these request. On XX/XX/XXXX, I received correspondence from XXXX stating " inquiries are factual record of file access '' and each inquiry remains on my report. Upon calling XXXX on XX/XX/2018, the representative stated that he would not help me and that I had to try and have them removed on my own. I called Transunion on XX/XX/2018 and ironically was told by their representative the same thing using the exact same wording, I had also written XXXX asking for the exact same thing and they complied and removed every single inquiry that was listed because there was no proof they could produce that shows I initiated any one of those requests. Therefore, I am asking that you look into XXXX and why they would they me they could not remove something, that's clearly erroneous, from my report that they continue to report causing my credit score to drop and causing financial harm to me and my family.
Consumer complaint received 2021-02-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I signed up for a checking and savings account at citizens bank on XX/XX/XXXX with the promotion as detailed below : " Get a bonus of {$300.00} when you open a new one deposit checking or Platinum checking account and make a direct deposit of {$500.00} or more within 60 days Get an additional {$200.00} when you open a new green savings or platinum savings account with a minimum of {$15000.00} not currently on deposit with Citizens Bank and maintain that balance for 3 months ( this must be the initial deposit according to comments ) Get an additional {$100.00} when you do both '' I have been credited for the checking account portion of this promotion, but have yet to receive the other {$200.00} & {$100.00}. 

I have contacted citizens bank on numerous occasions to get this resolved, but they have not credited the account in accordance to the stipulated pay out date which was listed on the application. 

I have contacted citizens bank via their online Secure Messaging portal on various occasions over 3 months for a total of roughly 15 messages. I have contacted them over the phone on XX/XX/XXXX, which they did not answer the phone and again this morning on XX/XX/XXXX which they hung up on me after 47 minutes on the phone. 

Citizens bank should credit my account for the correct portion of the bonus as stipulated in the application and as I have met all of the terms. 

This is unacceptable and not what I signed up for.
Consumer complaint received 2021-05-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (NV)

My credit report shows the amount owe for the collection company the amount of {$490.00} with original amount {$340.00}. I was told they could not settle the payment but instead I needed to pay {$580.00} in order to have it paid in full and removed from my credit report. After giving rude communication I asked to speak to supervisor who then proceeded to tell me if I was looking for a discount I want not going to get one and theres nothing they can do. I paid the {$580.00} without any problem but was denied to pay the amount my credit report was stating which was {$490.00} I overpaid because Fidelity said it was a must I had to. Not cool
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

In early XXXX, we requested Mr. Cooper remove this property from the forbearance program and that we would pay any back payments owed. Instead, Mr. Cooper placed this loan into a deferral modification which has created a tremendous headache for us as we are trying to obtain another mortgage loan with a different lender. 

For 5 weeks we have requested Mr. Cooper correct what they did. I have talked to 10 different customer service reps, received multiple conflicting responses ; most recently 2 weeks ago when I was told they they would correct the problem and remove the modification in '3-5 days ' only to be informed after the 5th day, the modification request " had been rejected '' with no explanation as to why. I was then told the process had to 'start over again ' ( on or about XX/XX/XXXX ). I have emailed and called the 'dedicated customer service ' rep I was supposedly assigned every day ( as well as email ) for an update on this status only to receive ZERO response providing any status as to this request.

This is one of the worst customer service experiences I think I have ever experienced. Mr. Cooper was able to place this loan into the program I did not request in a day yet 5 weeks have gone by and one of the largest mortgage servicers in the US is unable to reverse this mistake. 

This issue has seriously impeded my ability to secure other financing and it is going to probably cost me $ XXXX to seek an alternate solution for something Mr. Cooper SHOULD have resolved 4+ weeks ago.
Consumer complaint received 2019-06-11
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: Experian Information Solutions Inc. (CA)

I requested verification under federal law asking Experian, XXXX and XXXX to send me written verification of items they are reporting on my credit report. I have been asking for written verification of any contract or document bearing my signature sent to me for the last several months. 

They continue to report inaccurate information and wont send documentation that the items they are reporting is in fact mine.
Consumer complaint received 2022-05-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (LA)

Mr. Cooper/ Nationstar are able to get away with lying on your modification documents. They offered pandemic forbearance help. At end of forbearance period they sent loan modification for extension papers with my ex husband 's name on it to sign. He had.nothing to do with the loan... We have been divorced for a few years when I got this loan. He was not there and name is no where on closing documents. I've sent proof. I've filed complaints on their website ... spent hours on phone transferred to person to person. So a lot people I've talked say these people ore lying and trying to get my house. I've heard this company screws people. There is no way I can pay the lump sum. These people are forcing me into foreclosure. I just don't understand how they lie and get away