davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My Trans-Union Credit score was at XXXX onXX/XX/XXXX Five days later it was lowered 79 points to a Score of XXXX on XX/XX/XXXX. I call Trans-Union and told them that absolutely no changes, collections, or outstanding debts had been added to my credit history at all.

The Trans-Union Rep simply stated that it was most probably affected by several hard Credit inquires. I explained the last hard credit inquiry occurred inXX/XX/XXXX, and had no others. The Rep continuously tried to sell me my Credit Score, I told them over and over again that I already had it. They told me unless I purchased my Credit score from them they could not proceed further to help me. They lowered my score also before in XX/XX/XXXX as well. This time I have attached proof of their fraudulent reporting, and a comparison with XXXX during the same time period. I want my Credit score put back to XXXX I have no credit factors that Trans-Union can produce that justifies lowering my Credit score by 79 points in 5 days.
Consumer complaint received 2018-05-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP (FL)

I HAVE CONTACTED US BANK NO LESS THAN 5 TIMES IN REFERENCE TO STATE TO STATE TRANSFER SO THAT I MAY REGISTER THE VEHICLE IN FLORIDA. THE STATE REQUIRED US BANK TO MAIL THE TITLE TO THE AGENCY LISTED ON FL FORM XXXX XXXX.WHICH I FAXED TO US BANK OF XXXXXXXX.18. I ALSO CALLED TO ENSURE IT WAS RECEIVED. INSTED US BANK SENT A LETTER TO THE TAG AGENCY WITHOUT THE TITLE STATING THAT I HAD PERMISSION TO TITLE AND REGISTER THE VEHICLE IN THE STATE OF FLORIDA. THE LETTER WAS NOT SIGNED AND STATED INCORRECTLY THAT I COULD TITLE THE VEHICLE WHEN NO TITLE WAS PROVIDED BY US BANK. THIS WAS MY 4TH TRIP TO THE TAG OFFICE WAITING HOURS EACH TIME TO BE TOLD NO CAN DO. I CALLED US BANK AGAIN TODAY AND ASKED FOR A MANAGER. I WAS TOLD ONE WOULD CALL ME BACK AND THAT NEVER HAPPENED!
Consumer complaint received 2018-05-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (OH)

The company has sent me an incorrect form regarding the VOD- per a prior statement on another complaint they indicated the name of the provider is at the top of the sheet- however it is not. Therefore the document provided has nothing to do with the alleged debt and is not applicable to this. You can not send another providers information claiming it is applicable- clear violation. Since the company is unable to provide further documentation this needs to be off my credit report immediately.
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (OR)

Homeowner 's loan was HAMP modified in XXXX XXXX resulting in a payment of {$750.00}. In XXXX XXXX an escrow analysis was performed resulting in a further reduction of his payment to {$420.00}. HO has been diligently paying his mortgage payment. HO has a primary residence ( tax lot XXXX ) and a rental home ( tax lot XXXX ) on his property ). In XXXX XXXX he discovered that lender had been paying the taxes on XXXX but not XXXX ( both are secured under the mortgage ). He had a {$7000.00} delinquency on XXXX that he had been making payments on. When lender discovered their error in calculation, they paid the $ XXXX plus added one year and a two month cushion for escrow, resulting in an escrow shortage of {$12000.00} and growing. Lender did not notify HO of this shortage and HO continued to make his {$420.00} payments, resulting in a negative equity situation. Lender recalculated the payment necessary ( after amortizing the shortage over 60 months ), resulting in a payment owing each month of {$980.00} creating a financial hardship for HO. Moreover, lender has yet to notify HO of this change and available options, allowing the balance to grow.
Consumer complaint received 2018-04-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Williams & Fudge, Inc (IL)

Williams and Fudge called claiming they initiated contact months ago, only after receiving the call did I find an email from them that had been sent months ago but contained little information other than an attached PDF with instructions on how to open it. No where in the email does it state that this is an attempt to collect on a debt and has so little information that I had initially presumed this to be a phishing email. 

It doesn't not seem fair or in good faith for a debt collector to " initiate contact '' with a purposefully vague email that requires downloading an attachment just so they can start the 30 day countdown over disputing the debt. It was not until months later, after the 30 days, that I started receiving phone calls notifying me about said debt. This appears intentional on their part in order to avoid having to respond to a debt validation letter. 

I was able to contact the school in order to verify that this debt was legitimate however as stated earlier this does not seem to be fair to the consumer and intentional on part of Williams and Fudge. 

*I currently can't attach a pdf of the email so below is it copied. 
Subject : Personal Business Body : Your eDocument is best viewed using the latest version of the XXXX XXXX - get it here Welcome to eNotice - Please review this email carefully. 
XXXX Authenticate Your Details : This attached document is intended and restricted to be viewed by : XXXX XXXX XXXX Dear XXXX XXXX XXXX, To open your secure document : 1. Open the PDF attachment.

2. Provide the last 4 digits of your SSN to open the document.

If you follow the instructions and are unable to access the attachment, then you may not be the intended recipient of this email. If you are unable to open the attchment, please use the instructions provided to unsubscribe. 

Sincerely, Williams & Fudge , Inc. 

XXXX Your eDocument is Secure This eDocument is encrypted for your protection. To view the document enter the Last 4 digits of your SSN in the Password field of the PDF. 


XXXX Get XXXX XXXX You'll need the XXXX XXXX to view your secure eDocument. Get it now. 

You may contact us at : Williams & Fudge , Inc. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX Unsubscribe Instructions Go here to unsubscribe : Unsubscribe Link Attachments area
Consumer complaint received 2018-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

In XX/XX/XXXX, my student loans were transferred to XXXX XXXX as part of the Public Student Loan Forgiveness Program. Within a month I contacted XXXX XXXX XXXX to inquire about how many more payments I have until I reach 120 payments ( and the 10 year service requirement ). The servicer said they needed 90 days to calculate my payments. After 90 days, I called again and was told they needed another 90 days to figure out my account because it seemed there was a consolidation error and all of my loans weren't counting towards my payoff. I asked who made this error and they blamed XXXX XXXX, my servicer in XX/XX/XXXX. They said XXXX XXXX was no longer in business so there was nothing I could do to address their error. 

I finally received a letter listing all of my qualifying payment details and the documentation said that most of my loans only had 6 or less  qualifying payments and that two loans had 14 qualifying payments so far. I have been working in public service full time since XX/XX/XXXX. I consolidated my loans in XX/XX/XXXX and I got on Income Based Repayment ( a qualifying plan for PSLF ) in XX/XX/XXXX ( according to XXXX XXXX ). I have made 73 payments from XX/XX/XXXX to present day and have always paid the exact amount my servicer requested ( which is set each year when I recertify and stays the same amount for 12 months ). In other words, I have consistently paid the amount the servicer ( s )  told me to pay. However, now XXXX XXXX is saying that most of my loan payments don't qualify because my monthly payments didn't cover all of my loans each month and that I may have been late on payments. Aside from a few forbearances, I have NEVER been late on a loan payment. The money is directly debited from my account on the same day every month. And there is no reason for my monthly payment to not cover all of my loans unless the servicer ( s ) made an error. I have NEVER received documentation stating that my payments were short or that they weren't covering what was due monthly. This is incredibly upsetting. I have only worked in public service for these 7 years to take advantage of this program. I am sick to my stomach in thinking that I have been signing over close to {$1000.00} a month ( now {$1000.00} ) for years and there may be no return on the investment of my time, energy, and dreams. I could have done a million other things with my career and youth, that would have brought me joy but instead I took the responsible route professionally, made payments regularly, all to have XXXX XXXX XXXX   tell me I won't be done with my payments until XX/XX/XXXX and XX/XX/XXXX to qualify. This is infuriating. 

BTW, when I called XXXX  XXXX XXXX today they said it will take another 90 days to get me a document that explains exactly what went wrong with my 73 payments. So that means I will have been asking for them to resolve this for almost a year with no clear explanations. That is unacceptable. 


XXXX XXXX Supervisor : XXXX # XXXX
Consumer complaint received 2018-04-23
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. (AR)

Several attempts made with various forms of correspondence including notarized affidavits, police reports, and letters have been sent through certified mail and faxed to Transunion Credit reporting agency. In addition, a letter requesting proper debt validation due to identity theft was received on XX/XX/XXXX17 @ XXXX by Transunion XXXX Transunion is in violation of the Fair and Credit Transaction Act by not honoring valid police report 's and has yet to provide 100 % accurate debt validation in lines with the FCRA. Transunion appears to only be utilizing the e-oscar verification process for fraudulent account verification. I am willing to move forward with a consumer attorney for a resolution if im unable get this issue resolved.
Consumer complaint received 2018-04-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

On XX/XX/2018, I deposited a money order in the amount of {$1000.00} into my savings account. After checking the balance, I realized the transaction did not show at all. Immediately I contacted the customer service department and I was told a temporary credit for the amount of my deposit will be effective until the issue is resolved. 
The next day I received a phone call from the branch where I made my deposit ( XXXX, New Jersey ). I called back and spoke to a representative who told me my money order was 'found ' on the floor by a customer. They made the necessary research and contacted me to let me know what happened. I advised them that I already reported the issue and a credit was processed to my account. I also confirmed with the representative who claimed they will proceed to contact the department handling my concern, that the money order was verified with them, in order to justify the credit processed on my account. At that point I thought everything was resolved. 
Today, I received a letter dated XX/XX/2018, that states the investigation is completed but they are unable to honor my request? I immediately called the number stated in the letter, where I was transferred to XXXX ( supervisor-team XXXX ). This lady just confirmed the lack of customer service skills and the overdose of attitude that she was unwilling to help me with this issue that was out of my control. 
I need a solution asap.
Consumer complaint received 2018-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

Under Florida law, extrinsic fraud constitute fraud upon the court. XXXX v XXXX, XXXX XXXX XXXX ( Fla. XXXX ), superseded by rule on the grounds as stated in XXXX v XXXX, XXXX XXXX XXXX, XXXX XXXX ( Fla. XXXX DCA XXXX ) . In XXXX   v XXXX, XXXX XXXX XXXX ( Fla. XXXX ), the Florida Supreme Court relied upon XXXX  to distinguish extrinsic fraud from intrinsic fraud, emplaning that extrinsic fraud occurs where a defendant has somehow been prevented from participating in a cause. 

Extrinsic fraud involves conduct which is collateral to the issues tried in the case. Moreover, the courts defined Extrinsic fraud as the prevention of an unsuccessful party from presenting his case, by fraud or deception practiced by the adversary ; keeping the opponent away from the court. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Florida, is the debt collector for Flagstar Bank. A foreclosure action was filed and we responded to the court by requesting additional time to respond to the compliant. When a defendant files a motion for enlargement of time, tow things may occur, 1. The court may set the hearing date of just enter an order either granting the time. 2. The plaintiff may also set the hearing date, however under Florida Civil procedures, plaintiff must serve defendants with notice of hearing, without you can not expect the defendant to show up when not receiving notice. The debt collector for Flagstar has engaged in unlawful civil practices such as Extrinsic fraud by not serving us with the notice of hearing seeking the court to enter default against us. We want to make the CFPB aware that Flagstar Bank has taken this unlawful fraud upon the court in retaliation of the two open complaint referenced under No. XXXX, and complaint no. XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2018-04-23
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. (WI)

I have contacted Transunion and XXXX on several occasions informing them there are several hard inquiries listed on my credit report dating back to XX/XX/2016 that I did not authorize. I have spoken to over a dozen US reps as well as reps from other countries over the last 4 months. I have explained that my identity has been stolen 4 times over the last 7 years. I placed a fraud alert on each of my reports which are now expired.

Based on my report there are also several duplicate inquires from the same company around the same time. I asked what is the procedure for disputing inquires that have not been authorized by me? I have been told inquires can't be deleted. I need to send letters to over 20 places listed on my report and have them remove the inquires. I explained that would be very time consuming to write letters to over 20 companies for unauthorized inquires. I also explained these inquires have damaged my credit as well as caused me to be charged a higher interest rate. 

I called and spoke with another rep today and explained to him I will be filing a dispute considering I have been in circles trying to get this resolved and deleted from my report. The last rep I spoke with today from Transunion stated if I get a letter from the CFPB they will delete the records from my report. I will also need to attach a letter requesting the deletion. 

The file number for the Transunion dispute is XXXX. I was told to send the information to the Consumer Contact Department. The turn around time would be 5 days to review and delete. Please delete these unauthorized inquires from my report.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, 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)

My information was part of the XXXX and Experian data breach. My information was compromised. I have taken the necessary steps to put a lock/freeze on my credit report to prevent this form happening again. I have several hard inquires from companies that I didn't apply for credit nor authorize them to so. I have tried to reach out to the companies along with the credit bureaus to try to get these inquires removed and have had no success. Some of these same inquires were also on my wife credit report. An have been removed from her report. This is affecting my credit score as well as my well as my ability to apply for credit now or in the future due to too many inquires. I makes me look like a high risk. Also I have to keep a certain imagine up due to certain security clearances for my job.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I got a mail invitation from " HSBC Bank USA, NA '' to apply for a credit card and when I applied online, I got rejected due to : Excessive obligations in relation to income The problem is : I have no obligations ; none whatsoever. No mortgage, no auto loan, no outstanding credit card balances, nothing. 

When called, they told me to contact XXXX. There is no problem with my XXXX  credit report, either. I have verified it. 

I believe the problem is due to HSBC Bank 's software systems - when applying online, their web site asked me questions which made no sense ( because none were relevant or applicable to me ). But they refuse to acknowledge their problems, but instead are denying me a credit card illegally and for non-existing reasons.
Consumer complaint received 2018-04-23
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: Experian Information Solutions Inc. (NY)

XXXX XXXX, XXXX  and Experian are reporting my score harmfully low. It is important to recognize that my credit score is violating my rights to obtain a loan including approval on a dwelling for my family, and preventing me from establishing any type of credit at all. I have worked tirelessly to improve my credit report and my score has decended dramatically with less negative items being reported! I am disputing the score on my three reports, with this reported score I can not be approved by a landlord, utility or insurance including a job! Inhave XXXX  children and a wife. This credit report and score is hauling me from establishing credit and my ability to create a safe environment formmy family.
Consumer complaint received 2018-04-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

In regards to my complaint number XXXX, I haven't had the chance to respond. 
First, experian said that 2 of those account are not reporting at all, if so please clarify which 2 accounts, as I see 4 accounts reporting.

Second, based on the FCRA if one is a victim of fraud a CRA is then allowed " ONLY THEN '' to not only remove the fraudulent account but has a legal obligation to also BLOCK THE CREDITOR from reporting it!! 

Third, you mentioned you verified that it's accurate. We'll if so please describe what it is that you verified, and what's your description of Identity theft is? OF COURSE THESE CREDITORS RESPONDED WITH STATEMENTS SHOWING IT'S ACCURATE, AND I BELEIVE 100 % THAT THESE ACCOUNTS WERE REALLY OPENED ON MY NAME, ADDRESS, SOCIAL, AND DATE OF BIRTH!!!! 
WHAT DO YOU THINK THEFTS DO??? 

YOU THINK THEFT ARE THAT STUPID, AND YOU THINK BANKS ARE THAT STUPID TO OPEN AN ACCOUNT IF NOT ALL INFORMATION MATCHES. 

BASED ON THE FTC, 90 % OF PEOPLE FIND OUT THEY ARE VICTIMS OF IDENTITY THEFT MORE THAN A YEAR LATER. 

I WILL BE FILING A SEPARATE COMPLAINT REQUESTING PROOF OF THE 2 ADDRESSES WHICH ARE REPORTING IN MY REPORT AND HAS ABSOLUTELY NOTHING TO DO WITH ME. FURTHER WILL I INCLUDE IN THE COMPLAINT HOW YOU WERE ABLE TO GET 3 NAMES ON MY REPORT, AND I WILL ATTACH PROOF THAT YOU RESPONDED MORE THAN 30 DAYS LATER AMONG, OTHER VIOLATIONS.
Consumer complaint received 2024-11-04
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (FL)

I attended the school and couldn't afford to keep going I dropped out of the school before the next semestar began and did the exit review in their financial aid office to not allow more money to be taken out for a loan. But, they took out the money anyway for the next semester and they are now not even contacting me to get this resolved. I have called them over five times and every time i called they were in a meeting which was their excuse. I even went to the school office and they did nothing either saying the same answer the person i need to speak to is in a meeting or on lunch etc. They sent this over to a collection agency even though they told me that I wouldn't get charged for the next semester. This is fraud and further ruining my credit.