davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX. 

Account name : # DEPT OF ED/XXXX  Account number XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX has violated my rights. 

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 2021-06-23
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: Experian Information Solutions Inc. (SC)

On XX/XX/2021, I ordered my free annual credit reports from all three credit bureaus ( XXXX XXXX, and Experian ). The automated system verified my information, and it stated that I would receive my reports within 15 days. By XX/XX/2021, I had not received my reports. As a result, I filed a complaint with this organization against ALL THREE CREDIT BUREAUS ; however, this organization sent the complaint to XXXX, but it was not sent to the other two bureaus. It is a violation of the law for your organization to interfere ( or allow someone else to interfere ) with the very process you were established to protect! With that said, I am re-filing this complaint, and I expect your cooperation in sending it out to ALL THREE CREDIT BUREAUXXXX and simultaneously. Additionally, when I called the phone numbers provided for all three bureaus to inquire about my reports, they were not truthful, and there were technological issues present at all three bureaus. The technological issues prevented me from ordering my reports.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-06-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

I completed a full loss mitigation application for a loan modification with PHH/Ocwen Loan Servicing. 

I have been trying to get PHH/Ocwen to correct erroneous information and errors on my mortgage since the onset of Covid. I had several critical sources of income cancelled due to Covid. 

My home has forced placed insurance that should have been removed in XX/XX/XXXX. 

My home has purchase mortgage insurance which is not proper by HUD and FHA guidelines. My home has a value no more than 70 % of the loan mortgage balance. 

Taxes and payment calculations are erroneous and have been so since XX/XX/XXXX. 

PHH/Ocwen hasn't modified and forborne my loan since Covid was declared by the President of the United States PHH/Ocwen made an offer to modify my mortgage during the Covid Pandemic that wasn't compliant with federal law, Executive Orders of the President, Congressional directives in the CARES ACT, and related laws in XX/XX/XXXX, and the American Rescue Act.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CO)

Hello, Not necessarily a huge deal but it could be misleading to many other customers and create false expectations. 

I recently opened an account with Chime ( Bancorp Bank and XXXX Bank ). They required direct deposit for my of it's feature to open up, which is fine, but there are many little clauses and protocol they go through unbeknownst to us consumers. 

As for me, I would like to used their mobile check deposit feature but after fulfilling their requirements, or so I thought, they responded by saying it takes 30 days or so for review and other risk based factors. 

I am pretty mindful of this but had I known it would take 30 days to do a simple mobile deposit I might have gone else where. They advertise it as an immediate feature unlock after receiving your payroll deposit based on their phrasing and how it was advertised but apparently not. 

It's just a little frustrating to be lead to my conclusion but be told after some confusion that there are other steps involved. 

Enclosed it how they present their features Also their call center/customer service doesn't really help you resolve any of the issues you may happen to have
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of 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 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
Consumer complaint received 2021-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Over thirty days ago, I wrote to each credit reporting agency ( TransUnion, XXXX, & XXXX ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 TransUnion, XXXX, & XXXX have not responded to my dispute and therefore they must remove from my credit file all information disputesd in correspondence. under the FAIR CREDIT REPORTING ACT, TransUnion, XXXX , & XXXX had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from TransUnion, XXXX, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.
Consumer complaint received 2021-06-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Healthcare Collections-I, LLC (AZ)

At XXXX XXXX on XX/XX/2021 I received a call from a number I wasn't familiar with. The lady on the phone asked for me by name. I asked wgo she is and where she was calling from..she gave me her name but no business name ... she wouldn't give me the name of her business..she just kept asking if I was XXXX. She even insisted that they have spoken with me before..I asked a THIRD TIME for the company name ... at this point I told the representative that when asked the name of her company, she HAS to give me the name. She then said " nevermind '' and hung up on me ... I called the number back and the answered buy a different name then hci ... I talked to a rep and explained what happened and told her its and fdcpa violation and she snickered like I was wrong ... I asked for their dept that handles these types of violations and the said they have no such dept..and they have no ways of handling these types of complaints. I have called them several times to ask them how the handle these violations and none of their reps can answer me other than giving me another number to call to speak to a " manager '' ... I am appalled that there are collection company still allowed to break with the fdcpa laws..and have no repercussions ... something needs to be done here..this is completely illegal behavior..THEY DID NOT SWEAR AT ME ... but I selected the 'communication option ' as they broke the law by not giving the name of their company when asked three times and hanging up on me
Consumer complaint received 2021-07-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 I sent out a dispute letter to the credit bureaus requesting them to correct the status of my payment history. They have not responded to my request in this matter or provided any reason for there not to be a change.
Consumer complaint received 2021-07-21
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. (WI)

Due to unfortunate circumstances, I was forced to file bankruptcy. The account with XXXX XXXX XXXX, is still showing as a write off/charge off on my credit report with a date of XX/XX/XXXX. However, it was included in bankruptcy. To have this account report as a write off when included in a bankruptcy is essentially a violation of the Bankruptcy Injunction and a violation of the FCRA because it is inaccurate and violates my consumer rights. 
I've been trying since XX/XX/XXXX to resolve this with the company and even though they've been sent proof of bankruptcy and proof of the discharge of debtor, they refuse to remove the account or fix the error in reporting.
Consumer complaint received 2022-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP (MO)

In XX/XX/2022 I informed US Bank of a fraudulent charge to my checking account. This charge led to an advance being issued to my checking account from my US Bank Reserve line. 

My first conversation with US Bank ended when the agent informed me that I was deceased, and that I would need to physically bring a copy of my own death certificate to a US Bank branch in order to have my account closed, and then hung up on me. 

I called back and received instructions to dispute the charge, and I submitted the necessary paperwork to dispute the charge to US Bank and it was reversed in my checking account. 

I instructed US Bank that I wanted to have both checking and reserve lines closed upon resolution of these items, and specifically provided instructions that any funds should be returned to the Reserve Line prior to closing the accounts. 

I learned afterward that US Bank disregarded my instruction to have balances resolved in the accounts prior to closing them, and the Bank began to issue me late fees for the balance of the Reserve Line account. At the time, the only balance in the Reserve account was the amount that US Bank had advanced to my checking account. They claim to have issued a cashier 's check with my funds but as their records will show that check has not been deposited. 

I have spoken with nearly 20 representatives of US Bank in a three month period trying to resolve their processing errors and collect the balance of my checking account- which should have been about {$7.00}. This is now between 8 - 10 hours of my own personal time.

US Bank has reversed multiple late fees, and I have personally paid the balance of the Reserve line, despite not having received any of the funds that were in my checking account at the time it was closed. I have learned that as I have worked with US Bank to try to resolve their initial error that they have reported my account as delinquent twice to credit reporting agencies. Since discovering the initial error, I have informed multiple representatives of US Bank that this error needed to be resolved definitely before any credit agencies received inaccurate information as a result of US Bank 's mistakes. 

I have found not a single person at US Bank that can take ownership of the mistakes that have been made to date, or drive for resolution of their inaccurate reporting to credit bureaus, or ensure that a check is sent with the amount US Bank owes to me. Every associate either informs me that I have the wrong area. Several have simply hung up on me. Multiple times I have been transferred to an area where the phone was answered and I was hung up on without anyone speaking to me. The telephone number listed for Consumer Report Disputes is not monitored. I have the direct line to a manager in their customer service area, who will not return my phone calls.
Consumer complaint received 2021-07-09
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)

These accounts should be excluded from my credit report and you are in violation of 15 USC 1681a ( 2 ) ( b ). Pursuant to 15 USC 1681a ( 2 ) ( b ), any authorization of a specific extension of credit indirectly by the issuer of a credit card or similar device. I authorized these companies to extend me my credit back to me by issuing my credit card, which is my social security card pursuant to 1602 ( l ). You are also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) because you are reporting information about transactions between me the consumer and a person making the report which should be excluded from my consumer report. So these accounts should be excluded from my credit report under federal law. I demand that these accounts be deleted from my credit report immediately since I am a federally protected consumer under title 15 chapter 41.
Consumer complaint received 2021-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2021, I made an ACH transfer from my Small Business account at Bank of America to the Recipient at XXXX, for the amount of {$3000.00}, and was confirmed that the fund will arrive by next business day. 

However, the fund never arrived, I have worked with the recipient but XXXX stated they never received the transfer. I contacted ACH Department of Bank Of America and was advised that the transfer had been successfully made on Bank of America 's end, and that there are no other options aside from filing a claim with them. 

As of now ( XX/XX/2021 ), I have not received any further update from neither banks. My account has been deducted of {$3000.00} since XX/XX/2021 and the last communication was from Bank of America on early XXXX, affirming that they have completed the ACH transfer, and the only option is for them ( Bank of America ) to do a " courtesy '' reach out to XXXX  for review. There is no case being shown in my Online Banking account and no further update since XXXX.
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (NV)

CREDIT CONTROL CORPORATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (CA)

American Credit Acceptance report inaccurate payments and balances. My balance was {$9000.00} in XXXX I have made 3 payments {$510.00} in the months of XXXX, XXXX and XXXX and my balance on my statement says {$8500.00}. it should be a lower balances
Consumer complaint received 2021-06-23
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: Paramount Recovery Systems, L.P. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

The Credit Report Agency did not Deleted after the Bank send Deleted From file as you see thank you.
Consumer complaint received 2021-06-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I sent transunion a response letter about inaccurate, unknown, and incomplete items on my credit report, and today XX/XX/2021, and 70 days later, I still have not received a response from them. They completely ignored me. Section 611 ( a ) states that failure to investigate the disputed item within 30 days gives a reason to immediately remove said items from my report. It has been 70 days, therefore I need these items deleted promptly. It is exhausting and stressful, I have been going back and forth with Transunion, I demand these account to be removed immediately or I will file for litigation due to the constant stress this has caused me.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 I sent out a letter to the three bureaus about the personal information on my report. I listed my correct information and requested them to remove all other personal items on my report. Its been 2 months since I sent this letter and they have yet to make any changes.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To whom it may concern : In XX/XX/2021, somebody tried to deposit a blank check into my account. I was immediately contacted by the bank and was told that the check could not be processed due to insufficient funds in the depositor 's account. I do NOT know who this person is, and why they tried to deposit a blank check into my account. I told my bank this, asking that they ignore the transaction. I was contacted by the fraud department a few days later and I explained the situation again, as I noticed my account had been frozen. 

Prior to this incident, I had never had any issues with the bank, and I had certainly never been in this kind of situation. I am an attorney admitted to practice in the State of New York, and would NEVER involve myself in fraud. I was the victim of fraud and I kindly ask that the bank investigate this further and remove this report from my account immediately. I have been employed at a law firm for 2 years as an associate and all my paychecks used were made directly to this account. It was my only checking account and now I have to deal with this inaccurate report that was caused by no fault of mine. Please remove this remark immediately. 

Kind regards, XXXX