davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
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. (OH)

I would NOT have too be so stressed out and KEEP going through this if CFPB would DEMAND thise lying XXXX to remove these discharged accounts AT ONCE. But I see that's not happening. I am truly NOT understanding why I have to go through this. I have been through ENOUGH! I completely LOST EVERYTHING and i STILL have to fight to bring my credit report ACCURATE! That is my right as a consumer. To have my credit reporting 100 % accurate ..... 

I want everyone to witness the torture i am being put through. Trans Union is the absolute WORST. Only a few short days after i submitted the last complaint exposing the company ( Trans Union ) of fraudulently and illegally altering details on my credit report and actively reporting on an account discharged in an bankruptcy. The original loan company went out of business AFTER I filed my bankruptcy and which was several years ago. Trans Union never thought anyone would figure out the fraud reporting ring they have going on ...... But I did and will let the courts properly handle all the criminals. 

Days after my last CFPB report this is what I encountered from Trans Union. 
Trans Union retaliated on me as if this is a personal issue. Please see ALL attached evidence.
Consumer complaint received 2023-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Machol & Johannes, LLC (CO)

I have tried to contact XXXX on multiple occasions regarding an account they are reporting on my credit report. I have called and each time I call they say they don't have information on the account that Machol & Johannes does, and they transfer me to them and then I cant get ahold of anyone at this office, This debt was paid XXXX of XXXX I am submitting the settlement letter from machol & Johannes dated XX/XX/2021 and the confirmation of payment made.
Consumer complaint received 2022-03-29
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. (FL)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2016-01-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

In my previous correspondence and details of letters sent and no replies given by Wells Fargo Home Mortgage. I again have received another letter from an additional state agency. This letter dated XXXX XXXX, XXXX and received on XXXX XXXX, XXXX to my home since purchase in XXXX. This letter from State Foreclosure Prevention Fund, states. Your mortgage company may have informed you recently that you were late on your mortgage payment. If you miss a payment or payments, you XXXX be facing foreclosure on your home. I want you to encourage you to TAKE ACTION NOW to prevent that from happening. It includes the toll free telephone number/email address ( XXXX ) XXXX /www.ncforeclosureprevention.gov, signed XXXX . XXXX XXXX, Manager, Foreclosure Prevention Program. 
This letter comes on the heels of numerous correspondence sent into CFPB and directly to the XXXX portal and Wells Fargo Home Mortgage Executives and CEO 's. All while receiving robo responses and additionally responses to CFPB, stating they ( Wells Fargo Home Mortgage ) are unable to make contact with me. In all correspondence I include my home address, direct telephone number and email address. So to allege that no contact can not be made is categorically false. The semantics displayed by Wells Fargo Home Mortgage has now risen to a laughable level. All while never requesting the factual receipts and records of deposits by myself. It is my hope with the newly appointed point of contact, that Wells Fargo Home Mortgage could take steps to settle how they applied my payments, rather than send disparaging information to foreclosure prevention bureaus.
Consumer complaint received 2022-08-09
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (PA)

Chase Sapphire XXXX customer service said this account was already flagged and they sent me to the " security department '' for fraud. department. Which was closed after XXXX XXXX XXXX.. .at which customer service then got back on the line and told me to call XXXX tomorrow during normal business hours.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

i sent a letter to the XXXX XXXX XXXX address that they had on my credit report and it was not correct information, so it was return to me. So i sent a letter to Equifax asking them to delete the negative item for the reason of false information on the part of XXXX XXXX XXXX and has not heard from them. I will upload the letter that i sent Equifax to address the situation on XX/XX/2018
Consumer complaint received 2019-02-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened the Citi Wealth Management Act # XXXX on XX/XX/18 under promotion transfer asset over 100K get {$600.00} I did everything I required for that promotion and called many times XXXX since XX/XX/2018 But they are not honor that promotion, I only get XXXX from them.
Consumer complaint received 2023-03-30
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} ; XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX ) XXXX  Balance {$950.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Debt Recovery Solutions, LLC (CA)

I applied for a loan with a different company. I was paying the loan off when I got laid off my job and I got Covid and was in the hospital. I was trying to get back On my feet and forgot about the loan. I thought they were taking the money from my account. The company sold my account to a different company and in return, sold it to another company and now my account is being sold around to different company
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (AZ)

I feel that loan care has mis-reported my payments. 

I have paid every 30 days so if there was a late payment, there would never have been a time that there was a payment more than 30 days late. 

Also when the make up payment was received in XX/XX/2020, there were no instructions to apply to principal - and if that were a standard, then why wouldn't every underpayment have been applied to principal. 

There was never a late notice or phone call on this account, but there are notices on my other loan care loan.
Consumer complaint received 2024-01-22
Product: Credit reporting 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, this creditor has violated my rights under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604A also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

I received a limitation on my account early last year then i was notified in XXXX of XXXX that my funds would be released after being held for 180 days. When i contacted them after the 180 days they then again told me i had to wait an entire 180 days again. Yet here i have waited and contacted them today XX/XX/XXXX my funds have been held for over a year and they will not release them to me. Please help me i need this money for my family and i have waited and called the service department over 15 times and no one has any answers for me. The amount is {$8100.00} i would really appreciate it if you can get my funds to me as soon as possible thank you.
Consumer complaint received 2023-03-29
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. (SC)

On XX/XX/2021, there was an inquiry generated on my credit report titled " XXXX XXXX XXXXXXXX XXXX XXXX ''. This inquiry was not authorized by me nor do I have an account with this company. I have attached my cover letter along with my FTC report to this complaint.
Consumer complaint received 2020-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX I sent a letter to the bureaus in regards to my items being disputed in all forms of inaccuracy XX/XX/XXXX I got no response then I filed stating I was reporting them & certified these aswell.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

happened : I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abide by these laws.
Consumer complaint received 2022-07-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022, I applied online at XXXX for their XXXX Credit Card while trying to purchase airline tickets. The credit card promotion that convinced me to apply was {$100.00} Statement Credit if {$2000.00} spent during 1st 90 days, a {$99.00} companion fare at end of year, and XXXX frequent flyer miles. I received instant approval from Bank of America, and in XXXX received credit for the XXXX frequent flyer miles but not the {$100.00} statement credit, despite satisfying the {$2000.00} spending requirement. Bank of America has sent me required electronic disclosures and the credit card agreement, but no mention of the {$100.00} statement credit. After doing XXXX XXXX, I have found other XXXX XXXX credit card customers who have experienced the exact same scenario. I've spoken to Bank of America and there " researching '' the issue under ticket # XXXX, but I expect the same written response from them that the other online complainers got - can't find that XXXX XXXX promotion. Indeed, filing a CFPB complaint was listed as the only solution to the problem so here I am. What is upsetting is the deceptive trade practice ( AKA bait and switch ), either by XXXX  XXXX or B of A. Yes I want them to honor their advertising promotion, but they should want to do the right thing.
Consumer complaint received 2022-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

I began making payments in XXXX of XXXX. I have consistently made payments without fail. I have continuously worked for a state during this time. I consistently filed XXXX verification forms for calculation purposes along the way, especially when I changed jobs in XXXX and XXXX. Consistently, it has shown that my final payment will be made XX/XX/XXXX. ( I wasn't going to debate a single month 's error. ) When I hit the seven year mark, where my bank would no longer have the records of my first year of payment, Fed Loan Servicing sent me a XXXX calculation showing that the final payment would be made in XX/XX/XXXX. Suddenly, the company is claiming that I was given a year 's grant and didn't make my first payment until XX/XX/XXXX. Neither of these facts are true. 

My job was eliminated in XX/XX/XXXX, and I specifically took a job in Colorado to keep myself in the XXXX program. During this move, my computer with my copies of the XXXX calculations showing my payments was damaged and the files can not be recovered. 

I have asked Fed Loan Servicing to provide me with all copies of the XXXX forms that it has provided me over the past nine years. It has refused to do so. It is ignoring my concerns and requests. I know student loan companies are unethical and predatory, but this is patent theft and abuse.
Consumer complaint received 2022-08-09
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I have been a Citi customer for almost two years. I have the Citi prestige credit card. One of the benefits of the card is an annual credit of {$250.00} per calendar year everytime the card holder. On XXXX XXXX, 2018, I was issued a credit refund of {$250.00} from Citi which was to come in the form of a check to the mailing address I have on file. It was supposed to have been at my address 7-10 business days. The latest I should have received this was on XX/XX/XXXX. I contacted Citi through their chat and I was told to wait a few more days. I waited until XX/XX/XXXX and was fed up, I contacted Citi again, they told me that the check was " abandoned ''. I verified my address on file and it was correct. I was told that I would have to wait two days for the funds to go back into my account. I could then contact chat again for a direct deposit since obviously, the mailing check option did not work. I contacted Citi in two days and was told to wait another two days. On XX/XX/XXXX, I spoke to a rep, she told me a check has been processed. I was extremely frustrated at this point. I expressed my frustration to the rep and explained why I was upset with the follow up. A rep promised me I would be getting direct deposit because I did not feel safe being sent checks since Citi did not even know it was " abandoned '' until I said something and it has been about a month for me to even be sent this credit back. The rep closed the chat on me, it was at this point that I felt powerless and I had to go through another avenue for followup. I hope the CFPB can assist with this. I do not plan on going forward with Citi at this point. I have been with Citi for about two years, they were one of my first credit cards. Unfortunately, I do not matter to them and the safety of my funds is not important to them as evidenced by the terrible follow up and the fact that a rep closed the chat on me.
Consumer complaint received 2019-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding LLC is trying to collect XXXX on an account that was originally a XXXX XXXX credit card. They are suing me for an account that is not mine!. Case number is XXXX filed XX/XX/XXXX. Midland Fundings phone is XXXX XXXX. My credit took a huge drop. XXXX XXXX credit card was opened on XX/XX/XXXX.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

This is a follow-up to a complaint submitted on XXXX XXXX, XXXX, ( Case number : XXXX ). This concerns the fact that my current mortgage was sold by XXXX to LoanCare XXXX as of XXXX XXXX, XXXX. It is my understanding that according to CFBP regulations, the new owner of my loan must notify me within 30 days of the effective date of transfer. It is also my understanding that both my old and new servicers must notify me about the transfer of my servicing rights no less than 15 days before the effective date of transfer. I have received no notification from LoanCare or paperwork of any kind. I contacted LoanCare on XXXX XXXX to inquire about my loan and to obtain a Loan Number so I could make my XXXX payment. As of XXXX XXXX, XXXX, LoanCare customer service had no record of my social security number in their system and no knowledge of my loan. LoanCare stated that they will not charge late fees for the month of XXXX and that I will receive information sometime this week. However, I have received no written assurances that late fees will not be assessed, and when I asked to speak to a LoanCare manager, they cut me off. I am extremely concerned ( based on their current ineptitude, online reviews and a XXXX grade of " XXXX '' ) that they will charge late fees and my credit rating will be damaged as a result. I am also highly disturbed that this company will be handling not only my mortgage, but property tax and home insurance payments. I am sending this additional complaint to add information to the record should it be necessary to take legal action against LoanCare.
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (LA)

I had a beauty procedure done in 2011 and paid the full bill before they would let me leave the office and then 3 years later I get a bill saying i hadnt paid enough. Ridiculous and i will not be taken advantage of. I contacted the company at the time i recieved the eronious bill and also placed a complaint with the XXXX. Please remove from my file immediately. 
Thank youXXXX XXXX