davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There are more reasons then the one listed above for four years I have tried to be patient spending hundreds and hundreds of my hours of my life keeping in contact with all debit collectors, If XXXX XXXX credit card was right then why do I not have signed account form for the card they claim is unsecured, I never had an unsecured card with them, only secured so for four years you have illegaly allowed them to put a false account on my report as well as all the other issues. I only should have XXXX credit card, XXXX credit card, only XXXX things in collections XXXX, and XXXX and XXXX XXXX, that is not, not one other thing. Enclosed you will find letters I sent you registered and certified as well as XXXX XXXX and other companies telling them to prove it and havent. For over four years I have a huge paper trail, phone, fax to all creditors, debt collectos and credit reporting companies proving not only was idenity theft part of this, but the companies are wrong, like the other letter enclosed here, I told all of you XXXX, XXXX XXXX in association with XXXX, both of which you allied on my credit, I told you time and time again, and them over and over XXXX was wrong. I enclosed a letter in XXXX where XXXX tried to tell me I was wrong, but once I sent that letter to XXXX credit companies in XXXX 2016 saying I Was gon na sue, and credit companies contacted XXXX - XXXX all of a sudden a change of heart was made and look at letter XXXX 2016 where they admit XXXX made a mistake and a recall. For FOUR years you allowed this company on my credit. I am going to media and I am already meeting with lawyers, TRANSUNION, XXXX and XXXX, I have not received your {$5000.00} checks for breaking FCRA regulations. If you cant see I was going easy on you with all issues, I do n't know what telll you, If the checks ffrom all XXXX credit reporting companies for {$5000.00} and the issues not fixed, it will be hands of lawyers, attorney general and FTC down the line.
Consumer complaint received 2016-12-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

The Citi Bank checking account opened XX/XX/XXXX and {$15000.00} was deposited XX/XX/XXXX as required for the bonus {$400.00} offer which was initial deposit with {$15000.00}. This deposit has been almost 6 months now. However, I am still waiting to receive the bonus {$400.00}. Communicated with Citibank reps, I 'm eligible to get the bonus such as proper promotional code used, {$15000.00} funded outside of citi account, and it matured more than 4 months without any withdrawal fund. Rep told me that also XXXX form has been received and certified for tax purpose. No reason to delay to get bonus. I am tired to contact the over the phone and their secured message. It leaded here to camplain as last resort.
Consumer complaint received 2016-12-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

J.P.Morgan Chase Bank , N.A . Is denying me access to my mothers bank account even though I have been granted an ORDER AND JUDGMENT APPOINTING GUARDIAN, by the State of New York Supreme Court, XXXX County. In the list of powers, item ( XXXX ) XXXX, allows me to access my mothers account to pay her bills. J.P.Morgan Chase Bank , N.A . Is in violation of the court decree.
Consumer complaint received 2016-11-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (OR)

Company continues to call me even though I have spoken to XXXX different people that say my number is not on file with them. They each have said there is nothing they can do and that the calls should not be happening. This has been going on for well over a month. I do not owe anyone money. This debt collection service is located in New Hampshire, according to the pop-up on my cell phone. The calls come in DAILY! They are calling from XXXX. This is harassment that this company refuses to do anything about. Please HELP! 

Thank you,
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (AZ)

In the beginning Quicken Loans made my husband move out of state and actively be working in the state we were going to buy in. We were given a closure date and when we were XXXX hours from home they pulled the date stating they could n't verify his employment and leaving us homeless. They are now claiming this didnt happen. Even though I have proof. They refused to give us a copy of escrow, and my husband did work there. all because they didnt update their systems. They lost tons of our documents. ( more info on request ) Then we asked to refinance I asked them not to call my work. They called my work and due to the company I worked for I XXXX. When they sent a appraiser he was an hour late. He compared our two story house to single story homes. The appraiser moved our house on a map. He moved it to the bad side of town. QL loans said they cant help me even though its the company they pick and use for 80 % of their apparels.I had to file a report and have him convicted with the appraisal board. We were forced to file bankruptcy. My attorney had to threaten them three times to restart sending statements ( more info upon request ) Several times over the years we just randomly stop getting statements. This went on for 6 month over the last year. They are misappropriating funds over this last year. It was explained to them multiple times that all extra moneys be sent to principle. We set this up years ago. They changed my loan without notification to prepaid. All extra money on accidental over payment have been payed to the next bill. We have been fighting this for the last year. XXXX XXXX is the only one that will deal with our accounts. Our number are all directed to her VM only. She hasnt helped us in the last year. Im having to call monthly-ish to fix our stuff. She out right refused to help us in XXXX. The extra money should have gone to the principle, but it went to the next payment. She stated she didnt know what to reverse so either they reverse something and we occur a late fee or we leave it and we " lose the money ''. Speaking with her has caused me to get severe hives. I have file endless complaints and they all seem to go to her. She never at fault, but they wont fix our issue. ( more info upon request ) This is the only thing my husband and I argue about. They are ruining our lives. I have tons of proof to the horrors of the last several years. Ive filed complains to QL and XXXX. 
It seems QL is to big and no one will help us.
Consumer complaint received 2016-12-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

We fell behind in our mortgage and have been trying to get caught up with the mortgage. We will call and set up a payment plan with the company, and then they send back our payment as we agreed upon. This is the XXXX time they have done this. We have the manager recorded with our verbal agreement and now we have gotten a XXXX check for a payment and a half to get caught up as agreed upon mailed back to us and NOW they are requiring us to send them certified funds, which has never been required before and we have NEVER bounced a check with them. I have called and requested to speak directly with the same supervisor, XXXX from the South Dakota office. She has not returned my call as of yet. This process has gotten very frustrating and they are creating more and more late fees by continually mailing back our payments in an attempt to reach our goal of getting the mortgage caught up. The right hand does n't know what the left hand is doing and they are in breach of their own verbal agreement.
Consumer complaint received 2024-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX ( Hotel and travel ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/year> )XX/XX/XXXXXXXX XXXX XXXX ( XX/XX/year> ) XX/XX/XXXX # XXXX XXXX XX/XX/XXXX( Hotel and travel ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX )XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX )
Consumer complaint received 2016-11-24
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: First Data Corporation (MO)

Returned check amounts for XXXX are showing as unpaid balance.Telecheck Services were held accountable for illegal services, and innacuracies against consumers. Sued for failure to follow guidelines for check reporting information ; Telecheck was required to pay consumers fees in return for innacuracies. Suit was filed in XX/XX/2014. Several checks that Telecheck states are unpaid, but have been paid are still pending as balance owed on my credit report.
Consumer complaint received 2024-08-24
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. (LA)

Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the debt referenced above, which you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and in light of the recent ruling in 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 am requesting detailed validation of this debt. 

The XXXX XXXX XXXX XXXX XXXX XXXX case established important standards for debt collection practices, particularly emphasizing the need for clear and accurate documentation of the debt, including the original contract and any assignment agreements. Given this ruling, I request that you provide the following : Proof of the Assignment Contract : Provide a complete copy of the assignment contract or any other legal documentation that shows your right to collect this debt. The court 's decision in XXXX highlights the necessity for debt collectors to have a valid and legally binding assignment.

Verification of the Debt : Please provide a detailed accounting of the debt, including the original creditors name, the original amount, a breakdown of any interest and fees added, and the date of the last payment.

Documentation of My Liability : I request copies of any agreements, contracts, or applications bearing my signature that pertain to this debt.

In accordance with the FDCPA and the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, please cease all collection activities until this debt has been properly validated. I expect a written response within 30 days, as per the legal requirements. 

If you can not validate this debt, I request that you stop all collection efforts and remove any negative information you may have reported to the credit bureaus. Please communicate with me only in writing.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-24
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. (GA)

In accordance with the Fair Credit Reporting Act the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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  has violated my rights. I looked at my TransUnion credit report on XX/XX/year> 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 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion does not want to update my date of birth correctly on my credit report. I have sent disputes to Transunion on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  with a copy of my driver 's license as proof but to this date, nothing has been done to fix this mistake. Transunion is reporting that I was born in "  XXXX  ''. This is not true! My correct date of birth is  XXXX / XXXX / XXXX . I am including a section of a recent report as proof of Transunion 's mistake.   XXXX   and   XXXX   have the right information but I do not know where Transunion is getting their information from. Why has n't this been fixed?
Consumer complaint received 2024-08-24
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. (IL)

To Whom It May Concern, Name : XXXX XXXX XXXX XXXX XXXX : XXXX Section 1681e ( b ) : Accuracy and fairness of credit reporting requires credit bureaus to maintain accurate and complete information in credit reports. 

Section 1681i ( a ) ( 6 ) - Responsibilities of Credit Reporting Agencies Purpose : Details the responsibilities of credit bureaus to correct or delete inaccurate or unverifiable information after a dispute. 

I have been suffering from inaccurate reporting by the credit bureaus from a very long time. I see that none of the bureaus are accurately reporting anything and they are very inconsistent across all XXXX credit bureaus. I have disputed multiple accounts that don't belong to me and even after disputing them, all I get is that the dispute is complete and no action was taken. 

I firstly would like to know what action the company has taken. I would like to know what action was ensured to see that the account actually belongs to me. I would like to get a response within the the next XXXX business days from the reporting burueau of what information they took in the reinvestigation process. 

I would like to get details such as date opened, my signature, my name, address and any other information they may have regarding these accounts. If they don't provide this information, they have violated my rights and I would like to get a {$1000.00} check for each account that was incorrectly reported. 

The following accounts should not be on my credit report. Investigation was already complete and no action was taken. I want to know what investigation they took giving a step by step procedure : XXXX. XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX Account no. XXXX XXXX. XX/XX/XXXXXXXX XXXX : Account no. XXXX XXXX. XX/XX/XXXX XXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX XXXX. XXXXXX/XX/XXXXXXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX If they don't provide me with this information, I would like to have them removed immediately. I also want to ensure that these accounts ever get reflected on my account. Details of the investigation can be emailed to : XXXX.
Consumer complaint received 2024-08-24
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. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-24
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. (IL)

I recently received a copy of my credit report and I noticed I had a fraudulent account on my credit report. Please remove this fraudulent account from my credit report, this fraudulent account is hurting my ability to obtain credit and buy a home.
Consumer complaint received 2016-09-12
Product: Other financial service — Credit repair
Issue: Excessive fees — 
Company: Park View Credit (NH)

I was charged {$170.00} for no reason. Five months ago I paid over {$500.00} for their services which yielded nothing for my, or my husband 's, credit scores. I was given no warning of the charges and now I ca n't make a my car payment. I 've left a voicemail and have n't received any word back.
Consumer complaint received 2017-05-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (FL)

This vehicle was repossessed b y NFCU in  t he State of F lorida on or about,     X/XX/2014   , a nd resold on or about   XX/XX/2014 .    Under the laws of the State of ( State of Repo ) U CC 9.506 and Sta te  RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices   were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.   Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.   If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.   In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all availabl e State and Federal statutes and UCC 9 remedies.
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

After reviewing my most recent credit report from Transunion, I sent a validation letter to the collection agency. I used the address provided on the Transunion credit report. My letter came back undelivered. This is false information being reported on my report. I then sent a letter to Transunion asking them to remove this collection account from my report as it is incomplete and/or false information. They sent me a letter stating that they couldnt read my letter as it was missing info or was ineligible. I find it hard to believe a typed out, clearly stated letter was either of the things they claim. I just want this inaccurate and false collection account removed from my report.
Consumer complaint received 2017-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IA)

On   XXXX   XXXX   XXXX   the amount of {$860.00} was auto-debited from a checking account for a monthly federal student loan payment. This was {$520.00} over the agreed amount and what should have been debite d ( {$340.00} ). I hav e physical paperwork mailed to me from  Navient  which outlines starting  XX/XX/XXXX   XXXX  payments of {$340.00} would be made followed by  XXXX  payments of {$860.00} starting   XXXX  . When I spoke to a representative at  Navient  on    XXXX   XXXX   XXXX    I was informed that they did not see that information in the system and in order to be given a refund I would need to mail or fax in a research request asking for the refund and to also submit proof that the money was debited from my account. That process takes  3-4  weeks. I was also informed that if I were to get a refund they would not be able to refund the {$520.00} overage amount they would refund the entire payment which would make my account delinquent. In order to avoid this I would need to apply for forbearance which reflects negatively on my account. I asked to speak to a supervisor and if there was anything that could be done as this payment caused my account to go negative and my budgeted living expenses were taken by  Navient for the  month. There were no resolutions from this call. My account has been current with all payments made on time since receiving the correspondence from Navient  XX/XX/XXXX .
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I disputed an error on my credit reports called XXXX XXXX. The debt is not mine. All three credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me. XXXX XXXX sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all three of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.