davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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. (OR)

On XX/XX/XXXX I received an email that XXXX lowered my limit on my XXXX credit card from {$5500.00} to {$3300.00}. I rarely use the card and most often remains at a {$0.00} balance, but had just recently made some purchases, of which is being paid off within the next 30 days anyhow, however, the limit they lowered it to was barely over the new current balance. The statement period then ended a few days later ( statement period ended XX/XX/XXXX ) and a small interest charge then applied, but my balance was still below the new reduced limit of {$3300.00} ( with the new interest charges, the balance was {$3300.00} ). Aside from the fact the lowering of the limit then lowered my score by XXXX points ( lets note how absolutely counter productive that is to lower a limit due to a random score review simply because a card is used, to which then only causes the score to lower more! ), I then received an alert today XX/XX/XXXX that my score was lowered even more because they were reporting my card limit as {$3300.00}, not {$3300.00}, and with the new balance as of statement end date of XX/XX/XXXX being {$3300.00} it was reporting as over my limit to which then caused my score to drop an additional XXXX points!!! So not only did lowering my limit for no true cause my score to lower, but now XXXX is inaccurately reporting my limit as even lower AND that I am over my limit!! Which is absolutely untrue!! So this is either fraud or incompetence, either way needs to immediately be corrected. This has impacted a home refinance I am currently undergoing and if it does not go through due to this, my next stop is an attorney! Note : Ive had this same card with the same limit for over 6 years, never been late, rarely carry a balance and almost always pay in full within XXXX months XXXX. None of this recent actions are justified.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

This collection of {$360.00} is being reported on my XXXX XXXX  account. The company has not sent me anything about this debt or what it is about or anything. I want it removed from my credit profile.
Consumer complaint received 2022-09-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX was paid off and this account is now 7 years old. This is in violation of 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-03-30
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. (GA)

XXXX Account # XXXX XXXX. XXXX  -- Account # XXXX XXXX. XXXX XXXX -- Account # XXXX XXXX. XXXX XXXX XXXX XXXX -- Account # XXXX XXXX. XXXX -- Account # XXXX XXXX. XXXXXXXX XXXX XXXX -- Account # XXXX XXXXXXXX XXXX XXXX -- Account # XXXX XXXX XXXX. XXXX XXXX -- Account # XXXX XXXX. XXXX XXXX XXXX -- Account # XXXX XXXX. XXXX -- Account # XXXX XXXX. XXXX XXXX -- Account # XXXX XXXXXXXX XXXX -- Account # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/2022 I requested a 1099C from 2 creditors that charged off the accounts. Per my accountant, I am required to file the amount charged off as income on my tax return. Per IRS website, the creditor was required to forward the 1099C to me once the account was charged off. 

Wells Fargo Bank ( account # XXXX ) and XXXXXXXX XXXX XXXXXXXX ( account # XXXX ) both were required to forward the 1099C as a result of them charging off the accounts. Neither creditor responded to my request which has put me in a negative situation with the IRS per my accountant.
Consumer complaint received 2022-09-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (UT)

Target sent an authorization {$44.00} ACH to my XXXX XXXX XXXXXXXX back in XX/XX/2022 to my account from their system without my permission I never submitted the approval it was done automatically without consent through their system. I have disputed the {$44.00} ACH directly with Target with no resolution and then I submitted a complaint with the bank as well.
Consumer complaint received 2022-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (OK)

. I have two loans with Conns XXXX XXXX. From XXXX of XXXX until XXXX of XXXX. Conns withdrew 3 payments from my accounts each month for the two loans. When i confronted them about it in XXXX ofXXXX I was told it would be corrected. 
From XXXX of XXXX until today ( XX/XX/XXXX ) they have refused to provide me with the requested records that show an adjustment has been made. I have spoken with their agents on 9 occasions and I have mailed them a certified letter requesting the information. The Balances on the Loans show no adjustment. I can't understand why they refuse to provide me the customer with my account information.
Consumer complaint received 2022-09-23
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. (MI)

in accordance with the fair credit reporting act transunion, XXXX and XXXX has violated my rights. 

15 u.s.c 1681 sectiom 602 a. states i have the right to privacy.

15 u.s.c. 1681 sectiom 604 a section 2 ; states that a consumer agency can not furnish a account without my written instructions.

15 u.s.c 1666b : a creditor may not treat a payment on a credit card account under an ope end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (SC)

The company advertises as a flex loan. When payment arrangements were made the company debited 2 payments within 1 week of each other without consent or contact. They do not make calls in regards to any balance, they just debited my account without any consent and would not return payments causing numerous overdraft fees. They also did not disclose that payments would triple when adding any additional to loan balance.
Consumer complaint received 2022-09-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

On or about XX/XX/XXXX of this year I received a phone call from an Amerisave Mortgage Corporation XXXX  XXXX XXXX XXXX  asking if I would be interested in a getting a home mortgage from their company. I happen to be searching for a home loan so there call was very timely. I disclosed to the agent my information including, current income status and source of income. credit information and access. I let the agent know that I am retired and on a fixed income. After checking my credit he let me know that I qualify for a FHA home loan. He also stated that I have to lock -in rate for the mortgage which would cost XXXX to lock in the rate at 4.5 % I did hesitate initially however I called back and agreed to the lock-rate and paid the XXXX The representative advise that they could give me a loan with a locked rate based on our conversation. He indicated I could purchase a home up to XXXX to my amazement since other companies had approved me for much less. I did question how their company could pre-approve for that amount and he stated that they are different because they don't spend any money on advertising. Anyway, I sent the agent copies of my income verification for both pension and social security. He checked my credit from the start and approved the above stated approval. He also provided a certified approval letter for the same amount up to with the loan amount of XXXX. However, once I found a house put down earnest monies the loan amount was changed three time and ended up being XXXX, no where near the certified approval. Nothing had changed my income was all verified before the approval letter was issued. They also had me bringing every bit of my access to the table and expected me and the sellers to simple accept we made a mistake with estimating your income. This is clearly a case of BAIT & SWITCH. Currently, my earnest money is in jeopardy along with the XXXX for the rate lock, the sellers has lost time and money keeping their home off of the market waiting for a closing to happen and trusting a certified pre-approval is a commitment from the mortgage company that the loan amount approved. Both seller and buyer agents have worked constantly trying to make some sense out of this mess. The mortgage companies response is only we made a mistake. After, conducting some on line research of this company I realized that in XXXX they were sued for the exact same practice. This is just unacceptable!
Consumer complaint received 2022-07-18
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. (CA)

According to 15 U.S. Code 1681e section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

There are multiple inaccuracies listed on my credit report from personal onformation, collection accounts, derogatory accounts and account statuses.
Consumer complaint received 2022-08-20
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. (MS)

I am not a third party ..... 

I have filed a complaint and due to that complaint my credit report is not reported properly it was not investigated properly because how could it be investigated properly when I alone looked at my credit report and found at least 18 violations now I read a few laws and seen that everything is supposed to be 100 % accurate on each credit file now due to that my credit is still not where it should be it and it is hurting me more now for that up for whatever reason I would like my credit report revised and fixed. Now I would like all errors violations fixed and compensated for all violations.
Consumer complaint received 2022-09-23
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: Resurgent Capital Services L.P. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : XXXX XXXX Account- # XXXX Resurgent/ Lvnv Funding- Account # XXXX XXXX XXXX XXXX- Account XXXX XXXX According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( XXXX ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. 

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 an 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. 

I send out several reinvestigation letters one XX/XX/2022, XX/XX/2022 and I have heard nothing from any, not even the letter stating they received my dispute or that my credit report was updated.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a major victim of identity theft and my personal information was compromised to a point beyond restoration. Recently, when I conducted a credit check I discovered that there are bankruptcies reporting on my credit report that were filed in the year of 2019. I never filed for a bankruptcy therefore, when I contacted the credit bureau to dispute the public records information inaccuracies they told me to contact the public records office of XXXX. I contact XXXX and I informed their offices of the fraud and they conducted their investigation and concluded that the information were fraudulent and removed the fraudulent bankruptcies from my credit report. However, the credit reporting companies have not removed anything from the report despite the public records investigation that deemed the information as fraud. I request that the credit reporting companies remove the fraudulent and inaccurate information from the credit report because these bankruptcies were filed fraudulently and I will provide the documents with this report regarding this matter. I was able to obtain the documents from the court of bankruptcy and from the very first page it implicates the fraud in this matter.
Consumer complaint received 2022-10-02
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Mortgage payments have been on time since XXXX, mortgage servicer transfer occured in XX/XX/XXXX. SPSS now the new servicer is unable to assist by reapplying funds which have been sent on time and ahead since before the transfer of the mortgage. Now instead of paying ahead, it looks like I am behind now on my payments, and the mortgage principle appears to be off as a result.
Consumer complaint received 2022-09-23
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On the evening of XX/XX/22, I deposited a large cashier 's check provided by my in-laws into my account for an upcoming large purchase for my wife and I. We are contractually obligated to wire the money to the seller by XX/XX/22. Upon completion of the deposit, the cashier 's check was put on an immediate hold. I was unable to follow up with the bank on XX/XX/22, and because it was a cashier 's check was not expecting there to be a hold on the money since it is guaranteed, being that it is a cashier 's check. On XX/XX/22 I contacted Bank of America support via phone to figure out why there was a hold, and if it could be removed. I was informed there was nothing that could be done. When I inquired if I should go to the bank where the deposit was made and speak to them there, I was told yes, they may be able to help. I went to the bank where I made the deposit, and after speaking with the teller I was told the hold was NOT placed by Bank of America, but by the originating bank, XXXX. I had to leave the bank and return to work, as I had already spent two hours trying to resolve this issue already. I then contacted XXXX directly, and was informed that there was no hold whatsoever, as I expected, because what I deposited was a cashier 's check; guaranteed money. I contacted Bank of America support once again, I was bounced through three different employees, and the third one informed me that the reason there was a hold on the cashier 's check was because of the amount. He said that because of the amount, that the check had to pass ACH inspection and there was no way to reverse the hold on Bank of America 's side. According to him, the earliest time the funds would be available will be at XXXX, on XX/XX/22. A full 24 hours after my contractual agreement ends. ACH validation is not required for cashier 's checks because the originating bank already guarantees the funds are available. I have been a client of Bank of America for over 17 years, and am appalled at the amount of run-around I was given by them, coupled with a flagrant lie that a cashier 's check " requires '' an ACH hold. If I can not renegotiate my contract with the seller, Bank of America will cause me to be in violation of a written agreement of funds. Funds, that should be there because I deposited a cashier 's check which immediately guarantees the funds are available. I have XXXX faith in Bank of America making this right with me, and wanted to provide this feedback as a cautionary tale for others.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (PA)

There was an unauthorized transaction on my account by a bank in XXXX called XXXX XXXX for {$800.00} on XXXX and another on XXXX for {$100.00}. I submitted all the proof that was needed to show that I didnt not authorize this and they have been just giving me such a hard time about getting me my money back.
Consumer complaint received 2022-07-13
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Experian was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$3000.00} US DEPT ED XXXX Balance : {$39000.00}
Consumer complaint received 2022-09-23
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. (MO)

On XX/XX/2022 I mailed letters to XXXX, XXXX and TransUnion. Here is my tracking : XXXX : XXXX XXXX : XXXX TransUnion : XXXX I requested to have inaccurate and misspelled personal information deleted from my credit report. My federally protected consumer rights have been obviously violated plus this is a violation of the Privacy Act which states a consumer has the right to dispute and remove any inaccurate information on their credit report. Not only was my information affected by the XXXX data breach, I have included the correct spelling of my name, address, birthday and provided the correct SSN number as well. according to the Fair Credit Reporting Act and the following sections listed below, my federally protected rights as a consumer have been violated : [ 15 U.S.C. 1681 ] ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. [ 15 U.S. CODE 6802 ] a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information [ 15 U.S.C. 1681s-2 ] reporting information with actual knowledge of errors. 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.