davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (TX)

I reported all 3 major credit bureaus TransUnion, XXXX, and XXXX that the collection from XXXX in reference to XXXX XXXX has serval inaccuracies. Transunion is reporting a date of last activity XX/XX/XXXX, XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX all different dates across the 3 bureaus. Also Transunion is reporting an account status as open and this is a collection account it can not have an open status. XXXX and XXXX are reporting on account status as closed and again different and inaccurate across the bureaus. These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without paying a high interest due to these inaccuracies. 
XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX High Balance : {$400.00} {$400.00} {$400.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$400.00} {$400.00} {$400.00} Closed Date : -- -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Collection Services Other Collection Agencies Other Collection Agencies Account Status : Open Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Account informationdisputed by consumer , meets FCRArequirements Customer disputedaccount - reported bysubscriber.

Consumer disputes thisaccount information Affected by naturaldisaster Subject has not satisfieddebt. 
Original Creditor : XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type :
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION (NJ)

On XX/XX/2021 I took a check to deposit into my checking account for the amount of {$4600.00}. The check was from someone who bought a snow plow from me off XXXX marketplace and overnighted the funds to me. The teller named XXXX in The XXXX NJ bank branch cashed the check with no issues and said the money will clear in a few days. On XX/XX/2021 money in the amount of {$4600.00} cleared in my account, at which point I was able to withdraw {$600.00} with the same teller as well as move {$2000.00} into my savings account. On XX/XX/2021 I went back into the bank with the same teller to remove money from my checking account, at which point the teller named XXXX who has helped me through this entire transaction process tells me my account is overdrawn {$2600.00} for a returned check. I asked how is that possible when the funds were made available to me? She said the check was a fraudulent check and was sent back. I asked the teller why she didnt put a hold on my check until the funds were properly checked by the other bank, which in this case is XXXX XXXX The teller had no answers for me. She apologized about not putting a hold on the check, which she should have because that is to protect me and my account. I have been a member of this bank in good standing for 15 years and I was treated terribly. I had to file a police report for the snow plow I was out and now for the money XXXX XXXX refuses to help me get back. I have tried talking to the highest person in charge, I get the run around.. no call back nothing. I am so disappointed in this situation. The bank froze my account to try and see what they can do to rectify this problem. Ive had my account frozen for three weeks now! This is so unacceptable.
Consumer complaint received 2021-04-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (OH)

Regarding forbearance, which I engaged until XX/XX/XXXX. In XXXX, I signed modification papers, sent them and made the first payment in XXXX. Then I sent the second payment in XXXX and it was returned to my bank. On XX/XX/XXXX, I contacted Flagstar about it and was told they hadn't returned any payments - I showed them proof but they keep ignoring my request for help - and the fact that I'd notified them in XX/XX/XXXX of my divorce and Successor In Interest status. I have gone back and forth with them on several issues, to which they want to verbalize but do not want to put information in writing to send to me so I can actually look at it and make actual INFORMED decisions, unlike the modification I was forced to do in XX/XX/XXXX and the verbal arrangement ended up not matching the written - choice was sign it after making payments for 3 months or lose my house. 
In XX/XX/XXXX/XX/XX/XXXX, I submitted information after the forbearance had continued, to the loss mitigation department. They send letters stating information is missing and I keep resubmitting what is on the list but they won't send me a list of what's missing only a notice. 
They have not complied with several requirements - some of which deal with things being done in a timely manner. I file complaints, they jibber jabber and then the complaint gets closed even though all I am asking is for information about financing, missing documents, etc to be sent to me in WRITING - whether it be by Fax, Email or Mail. And they simply flat out refuse that they don't have to put anything in writing at my request..I have to call and talk to someone - from the same department that misled me two years ago. I have financing set up with another mortgage company but until this matter is resolved by Flagstar I can't move forward to assume the mortgage.
Consumer complaint received 2022-01-14
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. (TN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.
Consumer complaint received 2022-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc. (MI)

On XX/XX/XXXX I requested verification of the debt from the debt collector as well as for itemized breakdown of procedures and cost of care and also to include a copy of my wet signature stating that I gave authorization to release my medical records to a third party. In my opinion I'm pretty pretty sure it is a violation of HIPPA laws for them to obtain my medical records. I did inform the that they were in violation and that I may have to take action. Plus have reason to believe that the Account numbers are wrong too. 

The total cost of the debt is {$1000.00}
Consumer complaint received 2023-08-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (MA)

my tenant ' XXXX app wasnot working and he had to send me money through cash app on XX/XX/XXXX. 
cash app system doesn't allow me to link my bank acct after many correct tries inorder to transfer it for free in XXXX  days. but they do allow bank atm card which in this case you can only choose instant transfer for {$22.00} fee. 
i tried to ask for help with no result, they are blaming my bank, but i do this often with XXXX with no problem at all. 
i need to get my money back and i dont want to pay any fee according to their own rule. i dont know what else to do. 
please help
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/2021 my credit card was fraudulently used to order carryout food at a merchant that exists more than XXXX miles from my home. I submitted a dispute with Citicards and the charge was initially reversed. The merchant also disputed the charge and provided Citicards with the information they had from the transaction. This included a phone number that does not ( and never has ) belonged to me and an email address that I do not recognize. With this information Citicards sent me a correspondence ( requiring a signature from me ) to my website profile with them. They DID NOT however send the letter through XXXX  mail and therefore I was unaware that it existed. Once I did realize it existed I submitted it to Citi 's fraud dept. and this is where I have hit a wall. Citi 's foreign call center operatives assure me that this will be reversed in my favor and that they have submitted this to the " back office '' ( an office that I am not allowed to communicate with by the way ). I have been promised call back from supervisors and this has not happened. It is now a full week of business days and I continue to wait for resolution on this matter. The disputed amount is for {$38.00} at a merchant in XXXX XXXX, FL that calls themselves XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

XXXXXXXX XXXX  credit acceptance closed my account with me still making payments after they had closed the account then on XX/XX/2019 XXXX the account back up and came to repo the XXXX XXXX XXXX from me and closed the account again. Then reported it to the credit agency as a {$0.00} balance then reported a {$3400.00} balance and now reporting a {$9900.00} balance. When trying to get the car back I was given the incorrect information about where the vehicle was located. I was given your information from XXXX Yesterday after fight with them all this time!
Consumer complaint received 2022-01-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Service Finance Holdings, LLC (CO)

In response to complaint ID XXXX What is the next step? 

I refuse to pay for a product that I did not receive. I have a signed contract and renderings from XXXX XXXX of what we agreed on. Nothing was done correctly. Not the floor coverings, not the walls, not the paint, not the room sizes, not the ceiling heights, not the fixtures, not the missing shower bench, not the missing show niches - NOTHING. 

I find it very self-serving that Service Financial can not provide a recording of an alleged voicemail for a {$15000.00} loan agreement while I am able to archive and review the hundreds of voice mails, text messages and emails between XXXX XXXX XXXX XXXX. 

XXXX XXXX employment was terminated after this project and we believe that it was due to the fraud he committed with this project. 

It is now clear to me that not even the owner, XXXX XXXX, was aware of the promises that his employee made in writing to me. ( See email dated XX/XX/XXXX - Page 10 of XXXX XXXX Request Attachment package XXXX ). In that email XXXX XXXX admits that he does not have a copy of the contract that he signed off on to Service Financial. 

Service Financial provided me a bill that shows the final payment was released prior to the project being finished. ( Page 6 of XXXX  CFPG Request Attachment package XXXX ). First payments of XXXX and XXXX were paid on XX/XX/XXXX and XX/XX/XXXX to start the project. The final payment from Service Financial was not to be paid until the project was completed per my contract with XXXX. The project was never finished. 

Somehow XXXX XXXX convinced Service Financial to release the funds early and without my knowledge. Service Financial released the funds without even talking to me. I was not aware that XXXX received the money until I got a bill in the mail. 

When I brought the fact that I got a bill from Service Financial in the mail to the contractor, I was told that I had to pay the bill or XXXX  would stop working on the project. I was XXXX  and looking at a construction mess in my home with a contractor telling me that he would walk away with my down payment if I stopped paying Service Financial. XXXX XXXX kept insisting to just wait until the finished product. Every time I would bring up a problem he would threaten to quit and told us to wait until he was finished. I waited 8 months for them to finish a contracted 6 week project. They never completed it. 

The builder owes us money because the project was not done on time and not completed to specification. 

By releasing the funds before the project was completed, Service Financial left me with no leverage to get the job done correctly. The contractor took the money and gave up. 

Again, I ask Service Financial - What is the next step?
Consumer complaint received 2022-07-08
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. (GA)

I, XXXX XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX : ACCOUNT # XXXX XXXX XXXX  XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX XXXX.
Consumer complaint received 2022-01-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ME)

Was given 3 student loans from sallie mae one for {$7400.00} with an interest rate of 8.375 %, the second {$26000.00} with an interest rate 6.625 % and the third for {$23000.00} at an interest rate of 12.375 % after taking a forbearance in 2012. Now the only option Navient can give me to get a lower interest rate is to have my parents refinance their home, probably so it's no longer a 'student loan ' and not their problem. I am looking for actual options.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-03
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. (NC)

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. XXXX XXXX XXXX # XXXX, has violated my rights. XXXX. XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 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.
Consumer complaint received 2020-08-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

I was quoted for interest rate of cash-out refinance with 4.125 % interest rate and XXXX. Therefore, I cancelled the mortage loan with XXXX XXXX XXXX that was almost closed in beginning of XXXX XXXX approved and ready to close ) to go through the loan with Loan Depot since I saved paying XXXX loan point. The loan officer from XXXX XXXX XXXX informed that he could not match the pricing that Loan Depot offered me and so I should move forward with Loan Depot. The loan officer from Loan Depot ( XXXX XXXX XXXX also informed me that the appraisal that I had with Mega Capital Funding could be used in Loan Depot since it was not from XXXX XXXX XXXX the exception company not allowing transfer of appraisal ). However, later he informed me that the previous appraisal could not be used and I had to pay for the new ones ( XXXX appraisal for XXXX refinances ). I did not complain about it and just paid for both. After appraisal was completed and the loan was approved, XXXX XXXX informed me that he quoted me single family resident and the loan point increases to XXXX point in order to close. I informed him that this is not my mistake, but his, and so the company should pay for it. He refuses. 

I also have another loan with Loan Depot that I cancelled from XXXX XXXX XXXX to go through with Loan Depot ( 4.125 % and XXXX loan point ). I did not hear anything back regarding this loan and the loan agent might pull the same trick by increasing the loan point.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This is a follow up complaint top ARS. ARS stated XXXX reporting of an unpaid collection account is not a violation of a cease communication request, which refers to contacting the consumer regarding the debt in question. 

The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium in accordance to 15 USC 1692a ( 2 ). 

A credit report is a medium that you're communicating with me the consumer indirectly! 

ARS claims once again that the FDCPA doesnt apply to them and they continue to violate my cease and desist! 

I have given ARS over a month to cease communicating and they still continue to so. 

I have rights as a consumer that i will not continue to let this lousy third party company who stole my identifying information to violate. 

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, excep to advise the consumer that the debt collectors further efforts are being terminated. 

Im not paying it and you need to cease and communication directly and directly before i sue your XXXX under the FDCPA. 

You make a choice, XXXX or XXXX
Consumer complaint received 2022-07-08
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: HCFS Healthcare Financial Services of TeamHealth (IL)

In accordance to the Fair Credit Report Act XXXX XXXX ; Account Resolutions ; XXXXXXXX XXXX XXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXXXXXX, XXXX ; XXXX XXXX  ; XXXX. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address
Consumer complaint received 2020-07-13
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. (GA)

I need some help with my credit file there is a issue with my information not being correct. 
I am applying for a new job and my correct DOB is XXXX my correct SS is XXXX. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. PLEASE DELETE THE FOLLOWING INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX There is a account on my credit that I never done business with from XXXX XXXX  # XXXX. I have never had a XXXX Credit card in my life. 
There was a issue with someone using my ID or credentials to apply for credit/loan I have never apply for credit with the following companies : XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX