davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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. (NJ)

Ive have submitted a ( 3 ) disputes on this matter to no avail, constantly reporting accounts of missed payments, and charge-offs As accurate when it is in included in bankruptcy XXXX  XXXX. Its affecting my life I was recently turned down for school for this the adverse letter specified that I have late accounts and charge offs
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On Saturday XX/XX/XXXX I tried to log into my mobile banking app to pay my balance, it told me an account didnt exist with them, thinking this was some sort of error because they were updating there system I didnt think much of it. I reattempted to log in on Tuesday XX/XX/year> same thing happened it told me an account didnt exist with that information. At this point I thought my account had been hacked or something I called Bank of America right away and got ahold of a specialist who informed me my account had actually been closed. Up until this point my account has been in good standings and I have never made a late payment. I asked why my account had been closed to which they told me because of failure to provide documentation. I informed them I havent gotten a request for any documentation to which they informed me they sent out a letter in XXXX. After verifying the address I informed them I never got the letter, which is normal for letters to go lost. The rep tried to see if my account can be reopened to which it couldnt. Because the account closed my credit score dropped XXXX points and then they advised me to reapply for a card which would put another hard inquiry on my credit score which is not right. Regardless I was transferred to a resolution manager named XXXX XXXX who was condescending and no help at all. On top of all this I was never told how to pay my bill so I know they will send my account to collections to further impact my score. How is one simple letter that got lost enough to close a account in good standings and never missed a payment this is ridiculous my credit score is suffering because of this no other forms of written communication was given no emails nothing.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-11-06
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. (CA)

I am a XXXX XXXX and a XXXXXXXX XXXX  and recently i discovered recently that my identity was stolen and was taken advantage of to create fraudulent accounts and fraud inquiries. My complete name is XXXX XXXX XXXX and ALL accounts with incorrect and inaccurate names must be removed from my credit reports especially the fraudulent ones. I need your help to please delete these accounts from my profile asap : The fraud accounts are : 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 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  I also need your help in correcting my address and name. It should only be XXXX XXXX and XXXX XXXX XXXX XXXX XXXX California XXXX, nothing else. Thanks! I have attached here my FTC reports, ID, and proof of address. I haven't received my requested SS card yet. As a foreign citizen in your country, I kindly request for your assistance as I don't know much people who can help me with this issue. Thank you! i have noticed that I don't have credit history showing in XXXX. Can you also please fix that for me?
Consumer complaint received 2022-06-21
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confideniality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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
Consumer complaint received 2023-11-01
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  You replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! 
You have 10 days to send me all the required information. 
XXXX XXXX your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-09-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ENSURE HOME LOANS LLC (GA)

The complaint XXXX raised against XXXX was closed because XXXX  pointed the issue towards origination and that is Ensure homes.So raising this complaint. 

We went through 2 weeks of severe mental stress and loss of health because of negligence by Ensure home loans. We also ended up paying higher interest rate of 3.75 % versus 3.25 % which was originally promised to us, Ensure did not close the house on the scheduled date nor communicated to me in advance that we will not meet the closing date. Me and my family was in panic mode and was in stress to loose {$25000.00} earnest money. We were are sellers mercy. 

Below are the details of the problem : We were referred to the XXXX XXXX organization -Ensure Home Loans LLC by our realtor and we started working with them from XX/XX/XXXX. This company with our permission, locked the Interest Rate for the home purchase with XXXX XXXX at 3.25 % for 30 year loan -7 1/2 ARM with 20 % down payment. We got the appraisal report from XXXX XXXX  on XX/XX/XXXX for home ( XXXX XXXX XXXX XXXX XXXX  XXXX ) appraised for {$960000.00} with sale price being {$910000.00}. We also got the closing disclosure issued to us by XXXXEnsure Loans on XX/XX/XXXX on-track for scheduled closing date XX/XX/XXXX. XXXX/Ensure did not provide final CTC ( Clear to Close ) and we could not close the home as scheduled on XX/XX/XXXX. We did not get any information from them on the problem or the ETA to fix the problem. Finally on XX/XX/XXXX ( after 2 days of passing closing date ) we were told that the XXXX team got the appraisal report changed by same appraiser to {$800000.00} from previous {$960000.00}. Our family went through severe stress for 2 weeks as we were told to lose the XXXX XXXX earnest money, not knowing if we will be buying this house. Finally I had to take the problem on my shoulders to escalate the bank via emails via XXXX to XXXX XXXX XXXX presidents of XXXX to get some attention from XXXX. They apologized for the service breakdown and revised the product and finally I ended up paying higher interest rate and additional PMI every month. 

Questions : 1. Why no one from Ensure Home Loans or XXXX were worried about NOT meeting the closing and why are they so careless that the customer might loose {$25000.00}? 
2. Why was I not informed in advance that we will miss the closing date? 
3. Why was I not communicated on problems in appraisal report in advance? 
4. Why was the appraiser asked to change the home value by {$160000.00}? That too the same appraiser within the span of 10 days? 
5. How are we going to compensate the severe mental stress I went through for 2 weeks and financial loss due to institution 's negligence?
Consumer complaint received 2022-06-26
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. Also the credit bureaus took more then 30 days.
Consumer complaint received 2022-06-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C (TN)

Currently garnishing my wages even though they already have the money owed. The collection with XXXX XXXX is also still listed on my credit accounts with two different balances.
Consumer complaint received 2023-01-24
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. (FL)

YOU ARE MAKING IT EXTREMELY DIFFICULT TO GET A CREDIT REPORT WHAT IS THE PROBLEM WHAT IS GOING ON WHY EVERYTIME I TRY TO GET MY REPORT YALL SENDING ME THRU HOOPS AND SAYING YALL CANT VERIFY ME. MY INFORMATION WAS COMPROMISED IN YALL DATA BREACH AND NOW I CANT GET MY REPORT. YALL HOLDING ME BACK FROM APPLYING FOR A HOME. DO YOU WANN ABE HELD LIABLE FOR ME BEING HOMELESS?? IVE CALLED AND MAILED AND UPLOADED ALL THE DOCS YALL REQUESTED AND I STILL CANT ACCESS MY REPORT TAKE WHATEVER FRAUD ALERT FREEZE THAT IS ON MY ACCOUNT OFF NOW!!!! IT BETTER NOT BE NO NEGATIVE REMARKS OR DERROGATORY ACCOUNTS ON MY REPORT OR YOU WILL BE TAKEN TO ARBITRATION. YOU HAVE FAILED TO DO A REASONABLE INVESTIGATION AFTER I TOLD YOU MY INFORMATION WAS COMPROMISED BUT YOU STOP ME FROM BEING ABLE TO CHECK MY REPORT NOW. EQUIFAX YOU HAVE 4 DAYS.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I did not authorize any of these companies to check my credit report 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 2024-10-11
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: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Columbus Capital Lending, LLC, Miami, FL Branch (FL)

My name is XXXX XXXX. A CPA licensed in the state of Florida. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX # XXXX ) fraudulently used my information including my name, license number and letterhead to prepare a letter advocating for their client to get a loan. He knowingly falsified financial documents including Profit & loss statements in order to make the deal work. I became aware of this because XXXX lender reached out to me directly to determine whether I prepared such documents, to which I replied I did not. When I confronted XXXX XXXX on the phone about this, his reply was that there was {$75000.00} for him on the line. This type of person should not have the ability to be a mortgage loan originator as he is knowingly committing mortgage fraud.
Consumer complaint received 2024-09-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collins Asset Group, LLC (GA)

i received a letter from the XXXX XXXX about im being sued for a debt that has been written off as a bad debt that was bought from XXXX XXXX XXXX to Collins Asset Group, i went to court on XXXX the person repersenting collings asset group had a paper and ask me to admit to the debt that was charged off as bad debt from XXXX XXXX. the Document she showed me was signed by someone else not by me, i explained to her that the amount was higher than the charged off amount also that was not my signature, i said no it was forged by someone i had a loan with XXXX XXXX and i had to sign a contract and fax it back to them with my signature before the release the fonds. so after i denied the signature she wen in the court room and ask for a continuance, i did explained to her that i didnt give anyone to release information to a XXXX party with my ss # she said they can do that and dont need my permission, after we walk out of the court room she thew the papers in the trash outside the elevator, i just sent collins asset a certified letter asking for the signed contract with my signature on the documents also ask if they cant provide my hand written signature trying to collect its forgery.
Consumer complaint received 2024-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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.

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 2021-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

From my limited understanding, someone opened a XXXX account under my name on XX/XX/2020 and spent {$3400.00}. 

The original creditor is XXXX. Currently the creditor is Jefferson Capital System. One of their debt collector agencies contacted me a few months ago. I informed them the account was not mine. The account was opened under an email, physical address, and phone number that did not belong to me. 

XXXX  has already blocked the account from my credit score report. XXXX  denied my request to block the account from my credit report. I filed my dispute with XXXX  today. 

XXXX  requested further information from me in order to block the account. They were not specific as to what information they required. I hope that this complaint will help me continue to contest this fraudulent account.
Consumer complaint received 2021-08-20
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. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/2018
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

I tried withdrawing {$800.00} from a Chase ATM in XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. But I never received the funds. The ATM didnt print out a receipt or anything. Chase denied my claim.
Consumer complaint received 2021-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (IL)

After having made all of my payments on time for a debt that was originally not even mine due to an error at a hotel I stayed at, Midland Credit Management decided to file my account for collections multiple times according to XXXX. 

On XX/XX/2021, I had called the XXXX XXXX Law Firm to explain to them that I am currently in a XXXX XXXX  to be XXXX XXXX XXXX XXXX and XXXX XXXX and therefore asked to pause my payments. I was told there was nothing that could be done when I felt it was reasonable. I also was treated rather rudely and made to believe it was my fault to be XXXX and unemployed. 

After the call, I sent an e-mail to the lawyer in charge of the collection, XXXX XXXX He never responded to my e-mail to ask for further documentation when all I wanted was a pause for payment so I could resume once my income returned. 

This was highly unprofessional.