davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2020-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX filed a 1099c for the debt, and it has been settled with my 2020 Tax Return. XXXX should either remove the debt off the report, report the balance as XXXX. 

Theyre still reporting negative remarks on report.
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Today is the day I decided I did not want to keep my Webster bank account anymore. Im very disappointed at this bank. My little sister and I live together, and she recently went back to school in a different state. She recently had a check that was sent to the house right after she left for school. Because we knew itll take a while for her to receive it if I was to mail it to her, she gave me permission to deposit the check and send her the funds since she doesnt have any money nor food to eat. Long story short, I deposited the check, and Webster bank had it on hold. I then contacted them to explain what was going on and stated my sister needs the funds ASAP as she is in a different state with no money or food. I stated I can provide anything they needed from me. Ive been a customer with them for over a year now and never had any negative issues with my account. I was on the phone with them for over 2 hours and asked for a manager multiple times. I was never transferred to one, instead the customer service representative was the middle man between the managers, fraud department and I. It was very frustrating that they kept relaying messages to him as I'm pleading my case to them. It is Tuesday XX/XX/2020 and their option was for me to wait until the end of the week to pick up the check at a local bank. I told them I can not wait that long because this is clearly a life or death situation and they clearly have the power to release the fund. I gave them options to directly wire the funds to my sibling or have the check available earlier because like I stated she does not have any money at the moment and needs it. My parents are out of the country and the fastest way for her to receive the fund was for me to deposit. i stated to Webster bank I can have her send in her driver license or a letter stating she gave me permission to do that. They were very unhelpful and I was very disappointed because now Im sitting here trying to borrow money from someone just so my sister can eat. They verified the check and it processed and approved however, they did not want to help any further.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UMB FINANCIAL CORPORATION (TX)

On XX/XX/2020 opened a checking account online in response to an online offer promotion for {$300.00} bonus if certain terms were met. In addition, a {$200.00} bonus was said to be available for opening a companion savings account. After successfully opening the account online and funding the account with {$100.00} from another external bank account, I attempted to login to my online banking, only to notice that it had been blocked by the bank. Upon calling to see what the issue was, on XX/XX/2020 the bank was requiring certain documents be faxed in order to unlock the online banking. The very next day, on XX/XX/2020 I received an unsolicited email notifying me that my account, opened successfully online on XX/XX/2020, was being closed. I am of belief and suspicion that the account closure is a direct result of my enrollment in the promotional offer and that the bank is acting unscrupulously in closing the account as a result of this enrollment.
Consumer complaint received 2020-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

On XX/XX/2020, I received a collections letter from XXXX dates XX/XX/2020 in regards a bill from XXXX XXXX XXXX XXXX in the amount of {$52.00}. I never received a bill from the creditor. I received another bill from the creditor and paid it. I checked my insurance records and I do not show this amount due. Im furious to receive a collections letter and never receiving a bill if I even owe this amount.
Consumer complaint received 2020-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I am responding to a collection listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you. I will await your reply.
Consumer complaint received 2020-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Your previous solution to our complaint was to completely wipe my wife 's credit profile?!?! So now you are going to report that my wife has no credit history, when she's had previous credit cards, previous completely paid off car payments, a house payment that has never been late, etc. How can a company be this incompetent? Just pick up the phone and call us. Pick up the phone and call XXXX  or XXXX and get the right information. This isn't hard. 

As we contemplate our next legal steps and pursue legal counsel, we'd like to get this resolved as soon as possible to not have to go down that road. This issue has cause my XXXX  wife tremendous stress and is bound to delay our refinance, in which we stand to save over {$200.00} a month.
Consumer complaint received 2021-10-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reported to TransUnion that they are reporting XXXX XXXX account as on time in XX/XX/XXXX, then in XX/XX/XXXX they are reporting 90 day late, XX/XX/XXXX as 120 day late, XXXX and XXXX of XXXX as 120 day late each. How can you go from on time to 90 day late, then 120 day late and 120 day late. This is not possible. TransUnion is required to report only accurate information!
Consumer complaint received 2022-06-28
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, the amount of {$4000.00}. from XX/XX/2018 until XXXX XXXX has violated my rights. I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report. 
15U.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't furnish an account without my written instructions
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I paid off a mortgage with Bank of America effective XX/XX/2020. My Home Loan Number was XXXX. There was a balance of {$5800.00} in my escrow account which was to be sent to me. When I called the Bank and identified my self with the last four digits of my SSN a recorded message said the check was mailed to me on XX/XX/2020. I still have not received this check and I have been unable to speak with someone in Bank of America 's mortgage department. They put me on hold indefinitely. 
My concern is the check was lost in the mail or got into the wrong hands and was forged and cashed by the thief. 

I would like verification that the check was mailed and if so has it been cashed by someone. 

Can you please help me with this issue. Thank you.
Consumer complaint received 2020-07-30
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

I informed fifth third bank that I didnt open a credit card that I found on my credit report and they wont take it off. They told me that the account was sold to a collection agency and when I did research the company is out of business. I have been disputing it with credit agency for months and they wont remove it. Its fraudulent and I want it removed from my credit file
Consumer complaint received 2022-06-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Americas Car-Mart, Inc. (TN)

Car Mart sold this account or transferred this account to Colonial Finance. I was a cosigner on this account. The vehicle was purchased at the XXXX XXXX XXXX. That location has been known for its shady practices. When I originally went in my kids father was already there and called me up there because they needed my income since he didnt make enough money is what they advised him, the sales rep advised they just needed my information because my kids dad did not make enough money, they never explained they were adding me on the loan as a cosigner until it was time to sign papers. They added seasonal fees into the loan, something I never heard of before was an extra {$400.00} added on to his original payment that would need to be paid twice a year. The vehicle gave him so many issues that they refused to fix and advised he had to pay out of pocket along with still making his car payment even though the vehicle was not in running condition. When me and him split up he ended up taking the vehicle back to them which they sold at auction. They sent him a notice for court for the vehicle but never garnished his wages for it. Once I found out it was on my credit report, I called and requested proof of how much they sold the vehicle for at auction but all I got was the run around and they never sent the information to me. I spoke with the supervisor XXXX who advised me over the phone the vehicle was sold at auction for {$500.00}, the date it was sold was not provided and still, she never sent me proof in writing how much the vehicle sold for. Instead she offered me a settlement on the account for {$1500.00}. At the time I did not have the money to pay that. Months later I contacted her back and offered {$1200.00} to settle the account because I was speaking with a lender to purchase a home for me and my kids and they advised me the account had to be paid first so I contacted her back and set up a day to pay it and it was paid by me on XX/XX/2021. I did not know about credit at that time but now have found at they violated FCRA laws by not providing me with documentation when I requested it. That location has so many complaints on XXXX and nothing has been done about their shady practices. I would like this account removed from the credit bureaus since they failed to provide me with proper documentation when I asked for it and the fact the manager advised via phone once I paid the agreed settlement on this account the account would be removed.
Consumer complaint received 2020-07-30
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. (CA)

I sent out a letter to the credit bureau to remove incorrect information on my report on XX/XX/2020 and have yet to get any sort of response. It has been well over 60 days and I know this is in complete violation of the FCRA guidelines, even with the new regulations. Please help in resolving these ongoing issues!
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

There is a XXXX  account report on my XXXX  and equifax report that should not be there. The debt was paid a removed. Per my XXXX  report I see where the account was removed. But it is still listed on my equifax and XXXX  account. Below I will attach a copy of all 3 reports.
Consumer complaint received 2020-07-30
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: Experian Information Solutions Inc. (CA)

I sent out a letter to the credit bureau to remove incorrect information on my report on XX/XX/2020 and have yet to get any sort of response. It has been well over 60 days and I know this is in complete violation of the FCRA guidelines, even with the new regulations. Please help in resolving these ongoing issues!
Consumer complaint received 2020-08-18
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: Experian Information Solutions Inc. (IL)

I have attempted to correct the wrong address that Experian is listing however, they are still listing the fraudulent address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. I do not live at this address and have never lived at this address. I have sent letters certified asking Experian to remove the letter. Also, there are accounts on my Experian credit report that do not belong to me as well. I have not received the original documents from Experian per FCRA proving that the accounts belong to me. Therefore the accounts must be removed.
Consumer complaint received 2020-08-18
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: Experian Information Solutions Inc. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-10-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

My long standing equity line loan was sold to a new servicer SPS Select Portfolio , Inc. ( XXXX XXXX XXXXXXXX XXXX  ) effective XX/XX/22. This company appears to be for someone with delinquent/foreclosure/late payment issues of which I have never in my life had one. My payment due for XX/XX/22 was in the amount of {$1200.00} as with with my original equity line provider ( XXXX XXXX XXXX ). They did not post this payment to my account ( of which I could see on line ) and I called many times and they did not explain why. This should have been shown on my online dashboard within a day or two as with any other servicer with a breakdown of how much went to principal and how much to interest. My XX/XX/22 payment was for {$1200.00} and again paid through my XXXX XXXX XXXX bill pay debited XX/XX/22. I then receive notice that they arbitrarily and deceptively ( modified )? my XX/XX/XXXX payment due to {$770.00} thereby reducing the amount of principal being applied in half. I did not request this is asked them to explain and correct this to keep my payment at {$1200.00} ( of course with interest calculated at my original terms which it appears to be ). When I checked my balance one line I saw they did not apply the addition principal I paid to keep my payments at {$1200.00} and again called and spoke with XXXX XXXX he would not give last name or employee ID ) he said " the money went to the cashiers dept and he would have it corrected/applied ). I asked him to please have done that day as interest would accrue at the lower principal applied and to please call me back that day to confirm he said " he or someone would call me back '' but no one did. Upon calling back on XX/XX/22 I spoke with XXXX who saw the {$460.00} add'l principal and said " she will have it applied and it will take 10 days ''. This is ridiculous as payments must post as of XX/XX/22 and be shown on my online account for me confirm they did it in a timely manner. Today I checked the dashboard " payment information '' and it shows a " scheduled payment of {$800.00}. Again, I did not ask them to modify this loan from the XXXX and find that to be an illegal practice. Also, under " Letters - loan owner notifications '' upon opening read " Letter not found '' Upon investigating SPS I found they were fined {$40.00} XXXX dollars and settled with the FTC under the name of XXXX XXXX so they now have changed their name to SPS Select Portfolio Servicing. I am not understanding how they were allowed to continue with being a servicer. There are law suits and complaints online from thousands of people. It is clear they are still engaging in unfair, deceptive, and illegal practices in servicing my loan.
Consumer complaint received 2020-08-26
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. (MI)

XXXX filed a 1099-C in XX/XX/2020 on a debt previously owed. That debt was included into this years tax return. 

XXXX is still reporting the account as if it has a balance, and if I could pay on it. 

While on the phone with XXXX on XX/XX/2020 around XXXX  I spoke with XXXX who said that she was working in an apartment with 10 others which is why she had a bad attitude,. 

XXXX then also attempted to collect on the debt that XXXX had previously filed a 1099c on. Asking me if I would like to pay the full balance of {$700.00}, that was already written off. 

XXXX is using predatory tactics, and illegal tactics.
Consumer complaint received 2022-10-20
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 (NY)

On XX/XX/2022 from XXXX - XXXX, there were XXXX attempted atm withdrawals from my account. XXXX were successful. All in the amount of {$84.00}. Totaling {$500.00} The banking company is called Current I immediately cancelled my card and reported that there were fraudulent charges. 
That same night I filed a police report. My roommate had money stolen from his card moments before it happened to me, however his bank blocked it. 
Current does not have customer service via the phone. The police werent able to subpoena Current. 

I sent a copy of the police report to them and explained what happened. They said my dispute could take up to XXXX business days. I frequently checked in there was no update. Finally I called again at the end of XXXX and they said it was denied because the merchant said it wasnt fraud. I have never even been to that part of XXXX. I filed an appeal and checked in multiple times. I was directed to email, they would take days to get back to me, and it seemed like I was just getting floated back and fourth and that no one was taking this seriously. Everytime I contact them Im told theyll escalate it. Im usually so exhausted by the end of it I just say fine. But I have spent over 5+ hours talking to current to resolve this, and I dont think they care. The way theyve handled this is very wrong. It doesnt even feel legal. Im hoping reporting it here can get something done because I cant seem to get them to listen.