davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (TX)

To Whom It May Concern, This is a formal demand for a detailed explanation of the steps your agency has taken to ensure the accuracy of the items listed below under 15 U.S.C. 1681i ( 7 ) Method of Verification. As mandated by law, a consumer reporting agency is required to provide, within 15 days of my request, a comprehensive description of the procedure used to determine the accuracy and completeness of the information in my credit report. This includes the name, address, and telephone number of any furnisher of information contacted during the reinvestigation. Previously, I informed your company that I am a victim of a data breach and identity theft, and I filed an official report with the Federal Trade Commission ( FTC ), which I have attached for your reference. I demanded that all fraudulent information be immediately blocked and removed from my credit report, yet you have failed to comply. The following fraudulent items remain on my report, which is unacceptable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately!
Consumer complaint received 2021-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MJ Altman Companies, Inc. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX M J ALTMAN COMPANIES I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious M J ALTMAN COMPANIES I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-05-07
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 — Their investigation did not fix an error on your report
Company: William D. Meeker Enterprises, Inc. (IL)

XXXX XXXX XXXX XXXX XXXX pulled my credit report without my consent. 

The lender advised they would NOT make a hard inquiry onto my credit report. I advised XXXX  of this and they stated that even though the inquiry was made ILLEGALLY, they would not be removing the inquiry from my report. 

I contact XXXX  I contacted the creditor who pulled the report illegally and both refused to correct this. 

The report was pulled by : CIC Mortgage Credit In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX The original Organization is : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (NY)

I am writing this letter to express my deep dissatisfaction and frustration regarding the recent threats of repossession of my car from GM Financial company. My name is XXXX XXXX, and my husband and I have been clients since 2017. Recently, we have experienced a series of devastating losses : both my mother and his father passed away. In light of this tragedy, it is incomprehensible that they do not show even an ounce of empathy or compassion towards us. 

We are aware that our payments are behind schedule ; however, with my husband taking care of most bills, it has become increasingly difficult to catch up on our car payments. Furthermore, the thought of someone coming into our private property to repossess the vehicle is absolutely outrageous and illegal in many states across the nation and I believe New York its one of them, correct me if Im wrong.

We would like that, if possible, stop calling us multiple times a day and sending us threatening emails related to repossession. We have decided that we will only respond to written correspondence from you due to the constant phone calls demanding payments at our workplaces which makes us feel deeply uncomfortable, the constant calls and letters are not helping the situation. We understand that this is a difficult situation for both of us.

We understand our responsibilities as clients and were not denying it, but we also know what rights we are entitled to as well, and know thats why we are here to contact the Consumer Financial Protection Bureau.
Consumer complaint received 2020-05-07
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. (CA)

I tried to refinance my car today XX/XX/2020 and I was not eligible to do so because when they checked my credit report there were several accounts in negative standing. I was not aware of any of these accounts because none of them belong to me ; I didn't open any of these accounts and I did not allow anyone to open these accounts in my name using my personal information. I have o idea who is responsible for opening these accounts on my behalf without my permission but I have already filed a police report with the information I currently have. I did not gain anything from these accounts such as money, goods, services or any other type of benefit and I never made any payments towards these accounts. I do not have any type of contract or agreement with any of these companies and I never gave them permission to access my credit information. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-07-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing to you today regarding my American Express business account XXXX that was opened by XX/XX/2019. 

I don`t want to extend this complaint so long. Just want to say that I am really surprised on how American Express is reporting a business account as personal. 

This can not happen! 

I have made my reaserch, and all the proper documentation to make Amex`s job eassier is attached. Please send the attached documents to Amex. 

Thank you, CFPB.
Consumer complaint received 2020-05-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

On XX/XX/2020 I, XXXX XXXX XXXX XXXX XXXX submitted an application for refinance with AmeriSave. We were assigned to XXXX XXXX and was asked to completed submission of documents which were done within 24 hrs and also to pay for appraisal and then a third party would contact us to schedule. We were advised due to the Cov-19 that the appraisal could be a drive by due to safety concerns especially since we have new born. We advised we would like a drive thru appraisal. We were then contacted by the appraisal company on XX/XX/2020 and appraisal was scheduled for Thursday, XX/XX/XXXX at XXXX. 

On the XXXX person knocked on door to perform appraisal and asked to come in ; we advised the appraisal is a drive by appraisal due to COV-19 and therefore there will not be a need to come in. <note> Appraisal Company : XXXX XXXX XXXX XXXX was retained by AmeriSave Mortgage Corp., XXXX to coordinate real estate appraisal of our property located at XXXX XXXX XXXX  ; XXXX, TX XXXX. 
guy advised he would just take a moment to take few pictures of the home and that was it appraisal would be done and submitted to us within 2 business days. 

It is now XX/XX/XXXX and no delivery of appraisal has been provided to myself, nor XXXX XXXX, nor staff of AmeriSave. We the home owners have attempted on several occasions to contact them, as well as, AmeriSave alleged did the same and have not gotten an appraisal. 

On XX/XX/2020 XXXX contacted myself XXXX XXXX and advised they finally received a response and was advised the appraisal was cancelled. 

Conclusively, we have a mortgage/appraisal company that has taken money from us without delivery of services that will not respond to calls or provide delivery of services paid for. We have made several calls to AmeriSave complaining about the matter and asking to step in and assist and still no resolution. We now had our credit ran which took an hard hit and dropped our scores and money taken from us and no refinance due to lack of appraisal. 

Were asking for immediate course of action to be taken. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (CA)

I have an auto lease with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$7000.00}.
Consumer complaint received 2022-06-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (OH)

We have been working with US Bank mortgage employees to purchase a new house. Our closing had been scheduled for XX/XX/22. Last week, they advised we would need to change the date due to the holiday. We requested they attempt to allow the close to take place on XX/XX/22. They advised they were waiting on one thing, so we were not able to make Friday work. Today, we had a XXXX closing scheduled and I am being told we are waiting on one more thing. We are now waiting on a confirmation of close so that we can make a third appointment with the title agency to have the closing completed.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (CA)

Enhanced Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting This account had been settled years ago. I however, never received any calls, notices, or letters from XXXX XXXX XXXX about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Removed my TransUnion credit freeze in late XXXXearly XX/XX/2020 so that I could apply for a new credit card and also explore interest rates to refinance my student loans during the interest rate cut/coronavirus financial crisis. I removed the freeze via their website, however, it soon became apparent that the freeze was not removed, as both credit card and student loan financial institutions called/sent letters/reported that they could not retrieve my credit due to a freeze in place by TransUnion. 
I called TransUnion and they said they were having issues with phone calls due to high volume, so I was placed on a wait for over 2 hours and never reached anyone. 
I then started to communicate with TransUnion via @ AskTU via XXXX XXXX. My conversations started with them on XX/XX/2020 ( file # XXXX ). After 9 days of communicating with someone via this method my issue is still unresolved. TransUnion promised me my issue would be resolved within 48-72 hours, only to reach back out to them 96 hours later after promising to remove the credit freeze and the rep saying there is no issue on her end. I have proven through screen shots that TransUnion continues to report my credit status as " Unknown? '' both on their website and XXXX app. I tried again applying for a credit card and was denied, receiving a phone call and letter stating there is a TransUnion credit freeze on file. I feel as if my credit is being held hostage by this company for several weeks now and I have no control over it. It is my credit! No one company should have the ability to hold up my right to apply for credit during this unprecedented time. I feel as if TransUnion is personally responsible and should be held accountable for not resolving a simple credit freeze issue over a matter of several weeks. Their delayed responses and lack of resolution is completely unacceptable as a consumer. There should be no computer glitch or high volume excuse allowed from this company, as I feel victimized in not being able to access my credit. I need help NOW, as I still do not have access to my credit 6 weeks later.
Consumer complaint received 2022-10-12
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again : XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Consumer complaint received 2020-11-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (IN)

This week several times I have gotten calls from Wells Fargo. They are wanting my school loan payment. Which is fine. But they call even after I have made a payment. They call often XXXX a day. 2 of which have no one there on the other line. Its offensive as I have made a payment. I spoke to a nice lady and she said she would file the report that I was getting excessive calls. Then the same hour I get calls. 

But to get calls with no one there on the other line is rude and Im sure illegal. 

I want to be called as a reminder of my payment. But not bullied.
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I purchased a {$200.00} gift card from Kohls after the purchase there was a hold placed on my account and Kohls canceled the gift card. Yet they still billed me for it I called them and was informed the gift card was no good at which time i indicated i was not going to pay on a gift card that was no good. And did not want the card replaced i had a previous purchase and paid that off so my only balance was the gift card. they continue to charge me late fees and interest on the gift card. as of now the balance is {$270.00} and is being reported to credit agencies
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Per my first complaint regarding this exact same issue : I informed XXXX Bank back on XX/XX/XXXX ( email attached ) that I could not access my account via their website nor the mobile app. I also informed them that when I called in, the telephone agent could not authenticate me because he alleged that my answers to the security question was incorrect. They responded on XXXX XXXX, XXXX ( email + letter attached ), giving me the same customer service number I called to make the payment, saying that I needed to call in to update my address. You can see how cyclical the request is. All I know is that my account with XXXX was reported closed and late and the avenues I had to make payments ( aside from mailing them in ), were closed. This wouldn't be the first time agents at this number alleged they could not authenticate me. That is why I mainly communicate with XXXX bank via email to XXXX. Their calls to the main customer service number are routed outside of the USA and I have never had any luck in getting account information through that number. I did mail in a {$100.00} payment XX/XX/XXXX. I have yet to receive a final statement from XXXX Bank and have received no receipt of that mailed in payment ( again, my mobile app and website access has been revoked ). They have reported yet another late payment for ( XX/XX/XXXX ) to the bureaus but have refused me access to even view what I owe and a breakdown of the charges. I will not make payments on an account for which I am being refused statements. 

As of the date of this complaint, I have yet to receive a final statement nor confirmation of any of my mailed in payments to XXXX. I have mailed in money order payments the first week of each month, guessing what the minimum due is. It appears XXXX is reporting a missed payment for XXXX and XXXX on my credit reports - despite, as aforementioned, revoking my online account access and refusing me access to a final statement.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WESBANCO BANK, INC. (WV)

Wesbanco upgraded their online banking software in XXXX. Ever since then, I have had several issues accessing my account, and encountered several late fees because their upgrade caused ALL electronic payees to be re-entered. I lost access to my account for XXXX days straight, of which e-bills were " lost ''. Wesbanco claimed it was my responsibility to re-enter those, but how could I when the bill was already an e-bill, and was to be delivered to their XXXX XXXX system? Fast forward to yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ), where I can not access any current transactions, all activity is from XX/XX/XXXX. I can not see deposits and it showed my account with a negative balance although I had deposited money and transferred money in from another account. I have tried contacting them, and have saved messages between myself and Wesbanco. They use the same excuse over and over that it's a problem or " feature '' of the new system. Please advise. I will attach a message from today 's communication with them, but I do have others highlighting the issues from the initial system upgrade. Thank-you.
Consumer complaint received 2020-05-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (NJ)

I took out a lease in XX/XX/XXXX with American Honda Finance.all my payment were made on time with no issues. I completed the lease and returned it. I never received any documentation from American Honda notifying me over the mileage/ damage fees. I was made aware of it when they reported a late to my credit file I immediately called them to find out what it is they then informed me what it was for and paid right away. They have a late reported on this account a 30 day late in XX/XX/XXXX. This is not accurate since I was never made aware of these fees.