davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX Inquiry date ; XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAIL C XXXX, GA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-14
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, BANKRUPTCY Account # XXXX, BANKRUPTCY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX 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 2021-06-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Your corporation is impeding me on being able to take care of my family by purchasing a home and a car for personal use by violating and invading my consumer right to privacy and furnishing inaccurate items on my consumer report without my consent or validation. I can not provide for my family and exercise my right to use my credit because my consumer report is my reputation with the banks in which I would like to do business. I believe that the law says that if you have had my documents for 30 days and are unable to validate or verify that these items need to be removed. I have provided the dispute multiple times and have a green receipt that bears your stamp further letting me know that you received my dispute more than 30 days ago. Please do what is right and remove these accounts so that I can move on with my life and continue to provide for my family. I believe that by law these accounts fall under the exclusion section of FCRA because they are consumer credit transactions that happened between myself and the corporation that made the report. Please respect my demands and my consumer right to privacy because I feel abused, embarrassed and violated with having these inaccurate items furnished without validation or consent. The pandemic has been tough enough for my family please dont be another obstacle.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX a criminal went to multiple chase branches with my stolen debit card in XXXX. They had a fake ID from XXXX  as well, and my mail was stolen when I was on vacation. This individual hacked my phone the same day and was able to change my pin number at the Chase branch They stole {$1000.00} dollars from a atm. The atm was located at XXXX XXXX XXXX XXXX XXXX IL XXXX a Chase branch. 

XXXX XXXX branch XXXX from Chase XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX was helping me with the fraud case. Chase denied it originally and it was re-opened twice and still Chase denied me all times. The branch XXXX also confirmed they had a fake id and changed my pin. 

I submitted a police report to chase showing that my mail was stolen, the credit alert proof of identity theft, and I submitted proof that I was not in the stat of Illinois at the time of the withdrawal. I was in Florida from XXXX and sent Chase my flight history. I asked if cameras were checked and they did not confirm but said I needed a subpoena. 

Essentially Chase had a breach when a bank teller let a criminal with a fake ID change my pin of the stolen debit card and then steal {$1000.00}. Terrible customer service from Chase as I was a loyal client who banked with them for 10 years and never had a fraud complaint before I told my story multiple times and they did not defend the client
Consumer complaint received 2023-03-10
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 — Investigation took more than 30 days
Company: Maximus Federal Services, Inc. (TN)

I have reached out and filed a dispute in reference to the incorrect items on my credit report. It has surpassed the 30 days and I haven't received any investigation results.
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I have a perfect credit rating and have never been late on payments to any lender or any supplier. I started the search to refinance the mortgage on my home back in XXXX of last year, requesting approximately 30 % LTV. 

I contacted the Union Bank representative on XX/XX/2020. I spoke with XXXX XXXX who started a file for me and requested a large number of documents from banks and LLCs that provide my source of income. He also collected several XXXX dollars as processing fee. Over the course of the next 10 months, the bank continued to tell me that they are working on my loan. In the meantime, I had to refresh/update my bank and LLC financial documents a total of 4 times. They also asked me to bring a large amount of money to the bank ( about 1/2 the amount of the loan ) and I was forced to liquidate an asset to come up with that amount. Hundreds of emails later, I had no promise of a loan, and I have lost the opportunity to lock in the low rate that was available last year and Union Bank had promised. 

Finally, this week, close to 10 months later, I gave up trying! 

This has been a disappointing and time consuming process which will affect me financially, especially because the rates that were available last year are no longer available anywhere. 

Union Bank is not interested in lending. If they did, I would be their ideal borrower with great credit, steady income and with 30 % LTV. They should not wasting people 's time and should not be permitted to stay in the business of lending.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I paid off my Lease with XXXX XXXX. In fact I overpaid and was issued a refund by because I over paid. At that point I believed I was done with the lease. I was subsequently billed for excise tax a month after I traded in my car. I was not aware of this bill. I did not find out about it until I received an alert from Experian. XXXX refuses to remove the late credit report mark. I paid off my lease. I had a zero balance after they refunded my over payment. I never received the subsequent bill. XXXX  XXXX told me to keep my plates because all the offices were closed due to the XXXX. I want them to remove the late payment from my report.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (MA)

I paid off my Lease with Acura Financial. In fact I overpaid and was issued a refund by because I over paid. At that point I believed I was done with the lease. I was subsequently billed for excise tax a month after I traded in my car. I was not aware of this bill. I did not find out about it until I received an alert from XXXX  Honda refuses to remove the late credit report mark. I paid off my lease. I had a XXXX balance after they refunded my over payment. I never received the subsequent bill. XXXX XXXX  told me to keep my plates because all the offices were closed due to the Pandemic. I want them to remove the late payment from my report.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Professional Debt Mediation, Inc. (FL)

complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB should you continue in your non-compliance. I further remind you that, you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days. This agency is in violation of As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for:1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C SEC 1681 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (IL)

I have tried to cancel my accounts via the Cash App website and mobile site. I get an error message each time and the accounts continue to stay active. 

I have emailed multiple times requesting that the accounts be removed. I provide my name, business name, account names, and associated phone numbers but they keep asking me for information that I no longer have which is the debit card number that is linked to the account. 

Each time I respond to them that I no longer have the old debit card info, I get a " stock answer '' response asking me for the same information all over again. Each response is from a different agent name. 

When I call to speak with someone the recording says that they are busy and not taking calls so please us the app. They give me the option to press " 1 '' to have someone call me back but no one ever calls back.
Consumer complaint received 2021-06-05
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. (NC)

On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.
Consumer complaint received 2022-06-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority (AR)

In XX/XX/2021 I became unemployed due to illness. I requested forbearance for 6 months until either SS XXXX could come through or I could work out another way of resuming payments. 

My daughter and son in law moved in with me, and they were agreeing in helping me make the mortgage payment, so I called XX/XX/XXXXand requested that my forbearance be lifted so I could resume making payments. I requested they add my unpaid payments to the back of my loan. They told me this was not an option and I had to come up with the lump sum in order to resume payments. I did not know they did not offer this option, and it was not explained to me at the time I requested forbearance. 

I had to obtain a personal signature loan to pay the lump sum back to XX/XX/XXXX Now I pay {$400.00} more a month in mortgage payment if the payment for this personal loan is added. 

With the cost of inflation, gas, and my medical bills, even with my daughter and her husband 's help I am afraid we will be falling behind again in my mortgage. What are our options, I do not want us all to end up homeless...
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX BANK XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX XXXX OF Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PO # XXXX XXXX, VA XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PO # XXXX XXXX, VA XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX Inquiry date ; XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAIL C XXXX, GA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX FIN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX XXXX XXXX po box XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 Bank of America did a emergency cash transfer through XXXX XXXX for me. They asked for copies of both my license and my Social security card which I sent. They gave me a transfer number to retrieve my money but XXXX XXXX refused to release it to me because Bank of America neglected to add my middle name to the transfer although both forms of ID I sent them had my middle name. XXXX XXXX call center advised me they can fix it if Bank of America calls them. So I called Bank of America several times a day for 3 weeks requesting this change, each time they said they can not call, only the cash transfer team within Bank of America can do that and they sent them at least 15 messages requesting just that over the 3 weeks. They never changed it. I spoke to a supervisor about a refund and was advised it would take 45 days. It surpassed 45 days XX/XX/2021 and I still have not received a refund. I have called Bank of America multiple times since then, asking where my money is and they are refusing to return it to me. They just keep saying they put in urgent requests to have it returned but thats all they can do. Its been a week since the urgent request and I still havent received my money. If I could sue them I would but its a waste of money over {$1400.00}. The state of California partners with them to distribute the unemployment money but it seems like theyre using that partnership to instead cheat people who are already down.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (FL)

A detailed look at my credit report I found that the reported balances are inaccurately reporting {$22000.00} ( XXXX  ), {$22000.00} ( XXXX  ), {$14000.00} ( XXXX  ) when I reviewed the information presented reflects that The original balance was XXXX. The deficiency balance was reported as {$7300.00} but on the account statement it reflects that the balance is {$5200.00}. Clearly the reporting is inaccurate.