davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
Product: Credit reporting 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 am writing to formally request the blocking and deletion of all accounts and inquiries listed below due to my status as a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report. 
Inquiries to be Deleted : DEPT OF ED Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

On XXXX XXXX, XXXX, Equifax reported a breach for over 143 million consumers due to a breach of consumer data from their system. The issue was known by the company on or around XXXX XXXX, XXXX and they failed to inform the consumers of the issue. Before they notified consumers of the breach, the CEOs sold millions of dollars worth of their stock. I checked their website and found that me and my adult children could be part of this breach. I have been able to freeze my credit on the other two reporting agencies but can not do this with Equifax. I have tried multiple times starting on XXXX XXXX, XXXX to freeze my credit with Equifax both online and via customer support with no success. The website will not give me a PIN number to freeze my credit. The robo messages that I receive when I call tells me to submit my personal data in a letter that only goes to a XXXX XXXX in XXXX Georgia. There is no way that I know that my data would be compromised again since I can not certify or register the letter due to the letter being sent to a XXXX XXXX address. I do not plan to do this. When I eventually get to talk with a customer support representative they tell me they can not freeze my credit by phone. A promise of a supervisor to call me back was noted on XXXX XXXX, XXXX and no one returned my call. I have also contacted the FTC and filed a complaint. The consumers never signed up with this company to deal with my credit. We as consumers should have lifetime monetary coverage by this company in the event that our identity information is compromised in the future. They should be the responsible party to correct this issue on a lifetime basis with no cost to the consumers affected. many consumers can not afford the cost that could be incurred due to this breach.The CEOs who sold their Equifax stock prior to the reporting of the issue should be held responsible. They should place all of their sold share profits in a fund to help the consumers recover any losses incurred during our lifetime. The CEOs should be fined and sent to prison for knowingly failing to fix their security issue when first told back in the Spring of XXXX. This whole process is full of negligence and failure to protect the consumers of the United States. Please remember the 143 million + consumers affected by this travesty and do what is right and just for the citizens of the United States. Thank you.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

For the last week, I have been trying to place a security freeze on my credit report. I have been unable to do it on the Equifax website ( which does not load this option ) or via their customer service phone number ( where this option simply connects to a busy signal ). The only help number I have been able to reach at Equifax has operators who only offer to " walk me through '' the online process ( which simply does not work ) and refuse to do it over the phone.
Consumer complaint received 2018-08-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

Per my previous complaint - that the CFPB just closed without allowing me to rebut - I received this in response from Freedom Mortgage towards end of response " Currently, there is {$520.00} in unapplied funds from the prior payment which can be used to complete the next payment due ( XX/XX/2018 ). Please remit $ {$3200.00} ( {$3800.00} - {$520.00} ) to satisfy the XXXX payment .Your monthly payments thereafter will be {$3800.00}. Your complaint states that you only intend to pay the prior payment of {$2800.00}. Please note that partial payments can not be posted as regular payments and will not advance the due date. Sincerely, XXXX XXXX XXXX Director Customer Service Freedom Mortgage Corporation '' I can not afford the new payment - so therefore, I will be only paying the amount I am in contract for - I will be pay {$3000.00} a month - that is the best I can do and I will not entertain any further discussion of the matter. I have children and they need FOOD, WATER and ELECTRICITY - is that in ANYWAY UNCLEAR? I have submitted information for possible modification or something - 4 TIMES! Each time - they claim that I did not send them all information - I have every fax and email with ALL information requested. 

I just checked my account online - I posted a payment from my banks bill pay website of {$3000.00} on the XX/XX/2018 - Now they claim I owe them an additional AMOUNT almost to amount of {$4000.00}???? What are you playing at? 
" Next Payment Due on XX/XX/2018 {$3900.00} Last Payment Received on XX/XX/2018 {$3000.00} ''
Consumer complaint received 2017-09-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (OR)

I am a 12 years customer and a US citizen, US Bank Closed my 2 savings and a checking account on the XX/XX/XXXX and XX/XX/XXXX After I realized that I did have not money I called customer service on the XXXX, they could not help me and I went to the branch, After phones call from the Manager XXXX XXXX XXXX in XXXX XXXX branch in XXXX Oregon, she said that were closed for missing information that I did not provided in my direct deposit, they said I work for XXXX XXXX and get paid by XXXX XXXX, I showed her my work ID card and she wrote and email to the main office. I get some letter from US bank asking for those information and I called on time I have probe of that in my phone statement. 
She also told me that my check from my saving account will be mailed overnighted because the amount and the others will be regular mails. I went back to the branch Friday XXXX to ask about my money and a new manager told me after check in the computer that my money was shipped regular mail but could n't tell me why the accounts were closed. 
Wednesday XXXX I returned to the branch and another Manager did the same research but with no solution for me because no checks or letter has arrived by mail, I told them that I will place a complaint against Us bank and they gave me a brochure with the term and conditions, they can close my account for any reason or no reason but letter and checks has to be mailed to me in 10 days, I went back on XXXX but no luck. 
Saturday XXXX I received 2 letters from US bank credit cards telling me that they have elected to close my 2 credit cars that I have in good standing, the day to be closed is XXXX, Today I have received and offer from US bank online and they have increased my line of credit because my high credit score. 
As today XX/XX/XXXX, I have n't received any letter from US bank letting me know the reason for the closure and I do n't have my 2 savings account checks yet. 
I have been struggling with finances, all my bills were paid by friends, I have n't support my family in XXXX since the XXXX XXXX hit the city where my family live. 
US bank have a really bad customer support because no one can tell me what happened, they now will also destroy my credit because they are closing my credit cards. 
I feel very helpless and I would like someone help me in this matter. 
It is ok to close any body account but they have to provide information and the money that is all my life saving. 
I am 15 days with not money because a really bad work at US bank corporation. 
Please any help will be gladly appreciated.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX open date XX/XX/XXXX Inquiry XXXX XXXXXXXX XXXX XXXXXXXX open date XX/XX/XXXX Inquiry : XXXXXXXX XXXX XXXX open date XX/XX/XXXX Inquiry : XXXX XXXXXXXX XXXX open date XX/XX/XXXX Inquiry : XXXX XXXX XXXX  open date XX/XX/XXXX Inquiry : XXXX  XXXX open date XX/XX/XXXX Inquiry : XXXX  open date XX/XX/XXXX Inquiry : XXXX open date XX/XX/XXXX Inquiry : XXXX open XXXX XX/XX/XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2017-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

I have a mortgage with Ditech and while I have been making payments to my loan, they have not posted my last three payments properly. The put three full monthly payments into an unapplied account and as a result, my loan appears to be past due four months. I called on XXXX XXXX, XXXX to bring this to their attention, they apologized and stated they were n't sure why it did that and promised to correct it and correct any negative credit reporting this issue had caused. Now today I look and nothing has been changed or corrected. This finance company has no right to not give me proper credit for the payments I 'm making toward my debt. Today, they tell me there is a loan modification in effect but I have not asked for one nor do I want one ; their intention to do that would be to undermine all payments and progress I 've made toward this loan over the past 12 years. I informed a representative over the phone around the XXXX or XXXX XXXX time frame that I had no intentions of modifying my loan.
Consumer complaint received 2024-11-05
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. (CA)

This creditor has violated my rights under 15USC 1681 Section 602 states I have the rights to privacy.15USC 1681 it also states a consumer report agency can't furnish an account without my written instruction. I have requested this account : ( XXXX XXXX XXXX XXXX XXXX XXXX ) be deleted IMMEDIATELY as the terms/amounts/balances are incorrect. I also requested the agency to provide me with their reinvestigation results, including all documentation received/obtained to verify this information as accurate and the agency has FAILED to do so. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I was going over my consumer report and noticed hard inquiries that I do not recognize, nor did I authorize, which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these transactions and would like for them to be removed immediately
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

Last week I began the process of placing a credit freeze on my Equifax credit reporting given the huge breech of data that was reported. I attempted at that time to place a freeze, and was given the message to log back in today, X/XX/17 to finish placing the freeze ( not sure why this is a time delayed, two step process ). I attempted to do so today but was met with an error message, stating that the security freeze could not be put in place online at this time. I then attempted to access their customer service center to ask for assistance, and the online customer service center also produced an error, and did not redirect or feature any other options. Given the severity of this breech, I 'm astonished that their online presence is incapable of putting in place a credit freeze.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MO)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

The recent XXXX data breach means that almost every adult American must now lock or restrict their credit for in indefinite period of time.
Agreeing to XXXX free credit monitoring service forces consumers to waive their right to sue Equifax.
When I attempt place a credit freeze on the XXXX web site the system simply responds that it can not process her request at this time.
Every day that this condition continues the risk to all consumers increases.
This situation ultimately causes financial harm not only to consumers but to the entire US economy.
If consumers ability to acquire credit is hindered because of the failure of an organization to protect the data of those consumers ( whom never gave consent for that data to be collected in the first place ) is harmed, it will extend to the larger economy.
Adding insult to injury, news reports suggest that members of the XXXX board of directors sold their shares of company stock prior to public disclosure of this breach. 
Ultimately this calls into question the future of regulation of the entire credit reporting and data collection industry. 
I implore your team to consider launching an inquiry into the viability of legal action to protect and compensate consumers and to protect the economy in general.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

I have XXXX credit cards from XXXX XXXX and XXXX that are not being added to my credit report. The XXXX XXXX card has been open for 11 months. They have confirmed that every month they report my account to Equifax, but equifax does not update my report causing my score to reflect a low score for several months now. They have said to talk to the credit card company instead of taking ownership of this error.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I deposited a check into my Bank of America Checking account on Wednesday XXXX/XXXX/16. On Monday XXXX/XXXX/16 checks I had written against this deposit were presented for payment and were declined. On XXXX/XXXX/16 I received an email notification from BOA that my account was overdrawn. I examined my account online and saw that there were sufficient funds to cover the checks I had written and more. I have no idea why they would not have paid the checks. Additionally BOA charged me XXXX overdraft penalties of {$35.00} each ; {$70.00} in penalties. I called BOA who told me that they can hold deposits for up to 7 days - it was written right on my deposit slip. WHO READS THE FINE PRINT ON DEPOSIT SLIPS? They agreed to refund XXXX of the penalties but not XXXX. The XXXX refund was apparently out of the kindness of their heart. In today 's banking system checks do not take 7 days to clear, I do not know why they held my deposit for such a long time. Customer service was absolutely no help to me.
Consumer complaint received 2018-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NJ)

I recieve a loan from XXXX on XXXX 
Could not understand there on line classes and dropped out the next week they did not dismiss my load until XXXX   Not i am resposable for repayng the entire course. {$7000.00} I feel i should not have to pay for this couse because i dropped out the first week. This has been a total scam.
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: National Credit Systems,Inc. (FL)

A collection agency started to call. They pressured that my account was up for review and that I will be sued if I did not make a payment. The company has refused to work with what is within my means of living. I was recently homeless, trying to obtain healthy living standards. I offered them a deal. They refused. I can not pay full balance as it was an eviction and in the upwards of a few thousand dollars. I am XXXX years of age and a student. When they call, it is in snarky tone and condescending. I did not stay at the complex for 8 months. After the fact they want to charge for 8 months rent and bonuses. That is why I offered them a lower % back because the complex had the opportunity to fill the vacant spot. As this was happening the complex sold itself to another financial institution. Causing new management, not being able to obtain old records with approximate balances that were updated and account information. Causing the new collection agency to collect on debt that is wrongful. Along with their obscene behavior. Plus threats to take action that were never taken should be adequate enough to where this account is dismissed. The original creditor has sold the account. Thus leading the collection agency not owning the original debt as well with no proof of transactions. I also have no received anything in mail by the agency after I disputed the information they provided and they continue to call back without verifying the information.
Consumer complaint received 2018-08-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bryant, Hodge & Associates LLC (TX)

In the last 60 days I began to receive calls from this number, XXXX. I did not answer. They kept repeatedly calling. I answered the call and they told me they were with Bryant Hodge and Associates and they were trying to collect a bill. I informed them I did not know what they were talking about and to only correspond with me via certified mail. They kept talking and I hung up. They called me Saturday before last three times within 10 minutes. Each time I told them to stop calling, remove me from their list and to only communicate via Certified mail. They called again today and acknowledged that I had asked them repeatedly not to call and yet they were calling. I told them I was contacting the CFPB today and hung up.
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NJ)

I closed my account with XXXX at their store in the XXXX XXXX in XXXX New Jersey. I paid a total of {$160.00} at the counter, in order to settle any outstanding bill. 

XXXX then sent me a bill of about {$160.00} They placed the amount with a company called 1. Enhanced Recovery Co XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Collection Agencies Website 2.  Enhanced Recovery Company - CLOSED XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX - As you can see, they pop up and then close and then pop up again. They reported a negative mark on my credit report for {$100.00}. In my opinion they are holding my information hostage against me paying them an amount they will share with XXXX. I think this scam is disgusting as I have the receipt from the bill I paid at the counter ( repeating above ) at the XXXX store. 

I have my charge receipt from XXXX, and want them to stop this OUTRAGEOUS practice of collecting an " extra month '' for no reason but to line their own pockets.