davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
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. (WA)

XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX, I executed a mobile deposit of {$19000.00}. Bank of America accepted the deposit, then put a hold on the account stating the funds would be released by XX/XX/XXXX at XXXX. 

On XXXX, I called Bank of America and asked why the hold was placed because the last deposit I made from the same company, of over {$13000.00} was processed without any hold. The representative stated that there was nothing I could do and could not provide any details of why the hold was placed. 

I learned on XX/XX/XXXX that the check I deposited had been debited from the source account on XXXX. I called Bank of America and demanded that the hold be released. The representative, wanted me to accept a disclosure that stated a lot of requirements that I would be liable for in order to get access to my funds. I declined the disclosure. 

I have had an account with Bank of America for over 30 years and never had problems with a deposit. Further, the prior deposit from the same company did not result in a hold. While I understand that a hold can be placed, but the hold should have been automatically removed on XXXX when the funds were transferred to Bank of America from the source bank.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

Good morning I have a checking and savings account with suntrust bank. I am in XXXX, Georgia. I opened these accounts in XX/XX/2020. From day 1 I have had problems. First my name was spelled wrong, next, my address was wrong. like a fool I still allowed the bank to handle my direct deposit. I am now being continuously penalized and I feel that the bank is not showing the small account holder any benefit or customer service. as of today I have a checking account with a balance of - {$10.00} and a savings account with a balance of - {$240.00}. On XXXX, I transferred {$250.00} from my checking to my savings account tot purchase a laptop from XXXX for {$260.00}. On XX/XX/XXXX, I was informed I had an overdraft in my checking and savings account of over {$400.00}. this was due to the fact that the {$260.00} I paid for the laptop on XX/XX/XXXX was returned to my account without my authorization because overstock ad not collected the money yet. I found out that this was suntrust policy. My role in this was that I trusted suntrust and did not watch my account as closely as I should have. this gave me a false number o n my account giving the illusion that I had more money in my account than I did. as a result I withdrew more money than I actually had. on XX/XX/XXXX the money was withdrawn by XXXX and suntrust then charged every transaction between XXXX XXXX as an overdraft and fees were attached to my account. when I contacted suntrust customer service they explained their policy of returning money to your account after a certain period. I was not told this when I opened the account. After speaking with numerous agents over the phone and no one attempting to find out what had happened and being on hold for hours over qa period of 3 days a XXXX did the work and after seeing what had happened she took the overdrafts off leaving a negative balance of {$200.00} in both accounts even though my checking account was never overdrawn. I was told that when I make a deposit to either account both accounts would return to normal. This was done to my savings on XX/XX/XXXX due to direct deposit. However, the savings account, the account the was originally overdrawn did not reflect the payment and suntrust refuses to correct the situation. I am requesting that any monies be returned to me and my accounts corrected.
Consumer complaint received 2020-09-15
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 have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.
Consumer complaint received 2021-09-07
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: EQUIFAX, INC. (TX)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The unauthorized entries on my consumer report persist despite documented disputes. These fraudulent items resulted from identity theft and were never authorized by me. Your continued reporting of this information violates the Fair Credit Reporting Act and identity theft protection laws.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of American generated a statement for my credit card on XX/XX/XXXX. The statement shows the term as XX/XX/XXXX - XX/XX/XXXX. The new balance showed as $ XXXX. The payment due shows as {$230.00} due by XX/XX/XXXX. 

I scheduled a payment that day for {$96.00}. It posted to my account on XX/XX/XXXX, and Bank of America shows that payment as part of the next billing cycle on their website. After that I made payments of {$19.00} on XX/XX/XXXX, and {$150.00} on XX/XX/XXXX, for a total of {$260.00}. BofA also made a credit of {$0.00} on XX/XX/XXXX for " interest Ref BT XX/XX/XXXX ''. As of XX/XX/XXXX, BofA shows a balance of $ XXXX ( {$260.00} less than the starting balance ). No charges were made to the credit card during the period. 

On XX/XX/XXXX I called Bank of America asking why my account said I still owed them {$64.00}. I was told because I set up the payment on XX/XX/XXXX, even though it didn't show on the last statement, and is clearly showing on this months activity, their system wasn't counting the payment as being part of this period, and therefore I still owed them more money to meet my minimum payment. I scheduled another payment of {$65.00} on XX/XX/XXXX, which as of XXXX PDT XX/XX/XXXX is still showing as in progress on my checking account, and has not yet posted to my credit card. On XX/XX/XXXX a late fee of {$28.00} was added to my credit card account.
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

This company is nothing but a headache. I wish our loan was with someone else and not them. Complaining about them in detail would be exhausting. 

Here is my complaint : My father died recently. He has a will. As far as I know, his will should be active. What it says, should be enforced and not dismissed. As far as I am understanding, my sister and I are heirs to our parents house. We are successors-in-interest. 

In XXXX of XXXX, we received a contract confirming my sister and I as successors-in-interest. 

On XX/XX/XXXX, I had called in and spoke to a rep named XXXX. She confirmed to me that my father 's will means nothing and that I am not a successor-in-interest according to their policy. As well, they can not give me any information regarding my mother 's estate. Which is false, because before, I was confirmed as a successor and I was given information when asked. 

When I asked XXXX about the previous contract, she said that it was a mistake. How does a large company with plenty of people working to review paperwork, make a mistake?? 

I can't tell you how bad the communication is from this company. No one seems to be on the same page and there are too many people giving answers. Our point of contact XXXX XXXX is the worse. I already complained about him and he is still failing at his job. 

I need straight answers. CFPB in XXXX enacted rules regarding successors-in-interest. 

My father 's will states, " his executors ( his children ), shall take possession and control of his estate ''. If this does not mean anything, then he wasted money making this will. 

I want my name confirmed as stated in the contract given. I have already signed my portion of the contract. I was told by a representative that this was okay. His permission was given on a recorded line on Rushmore 's behalf. Not mine.

I was also told that my signed, notarized portion is not acceptable. Rushmore is now changing their answer. 

This company 's communication is a bunch of garbage. They flip/flop. They are not on the same page as stated above. It's beyond me how they are still in business. They have awful reviews, which does not bother them. 

I want this fixed immediately!
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I received an inquiry to buy a camera I no longer wanted that was being sold through XXXX XXXX on WednesdayXXXX XXXX. 
The individual, going by the name of XXXX XXXX/ XXXX XXXX , asked to process the transaction through XXXX  after caliming the XXXX XXXX option wasn't working. I received an email, looking very authentic, from " XXXX '' stating the transaction had occured. I then received another email saying that they couldn't process it because my account had a limit of {$400.00} receivable. The total cost of the item was {$500.00} and the individual had sent {$570.00}, inlcuding shipping for over night delivery. It said that he would need to send additional funds to increase my limit to allow for the full amount. He then sent {$830.00}. I then received another " XXXX '' email saying they all the funds totaling {$1400.00} and were going to deposit those funds to my XXXX once i refunded him the {$830.00}. I went to go do that as the email instructed, through XXXX and my bank account. 
I completed that transaction, having sent him the " refunded '' amount of {$830.00}. Only when i contacted my husband about it did he inform me I had been scammed. 
The scammer then continued to contact me via XXXX XXXX saying his account had been debited twice for the {$830.00} and that I needed to refund him that additional amount inorder to have my whole funds released and that if I didn't it would be reported. 
I immedietly contacted my bank, USAA, to attempt to stop the payment or dispute it to have the funds returned. They opened a fraud claim and said they would conclude their investigation in 3 days. 
I also made a police report as well as contacting XXXX and forwarding on the emails sent to me by the scammer. I also reported the conversation to XXXX. 

The evening of XX/XX/XXXX I received an electronic letter from USAA stating they had concluded their investigation and found no fraudulent activity. I called and the representative I spoke with informed me that they had contacted me at XXXX on the XXXX and spoke with me regarding the incident. No such phone call occured. I asked to appeal the decision and she stated she would start that and make notes that I was stating a scam, that I was asking for my funds returned, and that I wanted my claim reviewed again and I wanted to actually be contacted this time. She said the process will take 3 business days to conclude. I asked to be transfered to the dispute department to attempt to have my funds returned. She trasfered me but I never spoke to anyone as the line rang twice then stopped and was silent. 
I'm awaiting further contact from USAA 's fraud department regarding this issue and the results of their so called investigation despite my having sent documentation of the emails and chat conversation between myself and the scammer as well as the police report.
Consumer complaint received 2022-08-02
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. (FL)

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX THESE XXXX VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2024-10-14
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. (NY)

I have previously sued your company for negligence and non compliance, which we came to a settlement agreement, just a few days ago.These accounts wasn't included in the lawsuit so i am now disputing these inaccurate accounts. i assure you its in your company best interest to take my disputes seriously. This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated or deleted. So please investigate these accounts due to the inaccuracies that are being reported.
Consumer complaint received 2024-11-06
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. (NJ)

This Certified notice was sent to the party below, for chain, of documentary evidence XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, New Jersey XXXX SSN : XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Subject XXXX Dispute Under 15 USC 1681i ( 7 ) Request for Verification of Specific Accounts Dear TransUnion Dispute Department, I am writing to formally dispute several entries on my credit report that have been marked as 'verified as reported. ' Under 15 USC 1681i ( 7 ) of the Fair Credit Reporting Act, I am entitled to a prompt reinvestigation of any information disputed and to receive recent responses from each creditor or collection agency involved. I am requesting verification documentation to substantiate the accuracy of the following accounts : XXXX XXXX XXXX Verified as XXXX XXXX XXXX  Verified as Reported XXXX Verified as Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified as Reported XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Reported Please provide documentation and the recent responses from each of the above creditors and collection agencies indicating the specific methods and records used to verify the accuracy of these accounts on my credit report. I am entitled to a thorough reinvestigation and, as per 15 USC 1681i ( 7 ), request that I receive a response within 15 days.

If the information for any of these accounts can not be substantiated, I request immediate removal of the inaccurate or unverifiable information from my credit file. Your timely attention to this matter is appreciated, and I look forward to receiving a detailed response within the specified timeframe. 

Thank you for your cooperation. Notary : Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Just received a Notice of Default and Intent to Foreclose demanding a lump sum of money. The mortgage was transferred to them XX/XX/XXXX and they showed me 30 days late every month since and will not correct the credit report so we can't sell or refinance. I have lost several offers on the house and just found out we can refinance for 2.99 % and lower our payments but for this despicable company that is trying to steal our home and/or XXXX  us with all the harassment. We receive letters and threats every few days and always on Friday to wreck your weekend and always on holidays. My husband is a XXXX year old veteran with several medical conditions including XXXX ; and this company gave me an XXXX  and is interfering with me making a living and my jobs. I almost XXXX XXXX  every time I see a letter from them and/or do XXXX  XXXX  which is very painful for me since I have had XXXX XXXX. I can't believe you can't put them out of business and demand payment in full of our mortgages. I just mailed the XXXX payment on XX/XX/XXXX usps priority and they did not post it til XX/XX/XXXX so they could charge a late fee. How are you allowing them to remain in business. 
It also appears that this was triggered by your onboarding software, which I dispute as being legitimate and legal, and am requesting any and all information and details regarding the programming and software and what company or companies created it, are involved with it in any way, and whether they are a foreign company and have any affiliations with a foreign government. Specific details, names, addresses, dates, etc. 

I am attaching several exhibits.
Consumer complaint received 2024-08-16
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)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer 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 Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at First Premier on XX/XX/XXXX under the account number XXXX with a balance {$700.00}, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal credit card account opened at XXXX XXXX XXXX. These accounts have resulted in fraudulent hard inquiries, fraudulent derogatory marks, and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs, derogatory marks, or hard inquiries as reported. The aforementioned accounts, collections, chargers, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.