davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
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. (TX)

In accordance with the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c-2 ( Section 605B ) **, on XX/XX/XXXX, I requested both Transunion and XXXX block and remove fraudulent inquiries from my credit report. Under this provision, credit reporting agencies are required to block information resulting from identity theft within four business days. 

**Unauthorized Hard Inquiries : ** The following hard inquiries were not authorized by me and are a result of fraudulent activity : XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX Additionally, under the **Texas Business and Commerce Code 20.034**, as a resident of Texas, I am entitled to have all fraudulent information resulting from identity theft removed from my credit report. This statute mandates that consumer reporting agencies must reinvestigate disputed information and delete any items found to be inaccurate due to identity theft. 

I provided via certified mail : - Copy of my Government-Issued Photo ID** - Proof of Current Address** ( e.g., utility bill, bank statement ) - Copy of Police Report** ( Identity Theft Report )
Consumer complaint received 2016-01-18
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL (MO)

On XXXX/XXXX/XXXX we made a purchase of {$3000.00} with a promotional credit offer of 18 months @ 0 % interest. I was able to make all the payments on time and in excess of the minimum payment due of {$160.00}. By XXXX XXXX I had a balance of {$960.00} with 10 months to go on the 0 % offer. On XXXX/XXXX/XXXX I called Synchrony Bank to reduce the minimum payment to {$100.00}. The first agent was un helpful. I waited XXXX minutes to speak to XXXX XXXX XXXX XXXX, who refused to do anything. Her supervisor was unavailable. I asked how I could register a complaint. She said she could submit XXXX on my behalf or I could mail XXXX in to their corporate office. I told her to submit XXXX and give me the adress so that I could mail XXXX in as well. I also told her I would be submitting this complaint.
Consumer complaint received 2024-11-13
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. (PA)

I am disputing the inaccurate reporting of the below account XXXX XXXX XXXX Date Opened : XX/XX/year>. 
This account is reading charge off or profit loss on my credit report and Under 15 U.S. Code 1681s-2, furnishers must not report information they know or should know is inaccurate.

Additionally, IRS guidelines classify charged-off debts as canceled income, which should not appear on consumer credit reports. This reporting error has harmed my creditworthiness and financial stability. I asked for this information and never received it and I disputed this plenty of times.
Consumer complaint received 2024-11-13
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-21
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. (PA)

Upon reviewing my credit report, I was outraged to find several inquiries from your company that I never consented to. These inquiries are significantly harming my credit and causing overwhelming stress.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, XXXX, I received notification from Credit Karma entailing that several accounts in my credit report had been removed and renewed without rhyme or reason. This took place within a window period of XX/XX/XXXX, XXXX XX/XX/2024. 

This illegal process inevitably caused my XXXX XXXX XXXX to drop XXXX points causing me financial distress. 

This illegal process of removing a account has a direct effect on the credit report due to its direct effect on the algorithm of age, credit utilization, inquiries etc The account which was removed and reopened as stated on credit karma were : 1. CURRENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit karma report states that the CURRENT account was removed and instantly reopened. 

It still reports as being a closed on CREDIT KARMA. While CURRENT has reassured me that such account was never closed from their end.

However, CREDIT KARMA nor XXXX reported the positive balance of the CURRENT credit card payment which would have increased my credit score rather reduce its points.

The credit karma report also states that the aforementioned CREDIT INQUIRIES were removed then replaced as new credit inquiries.

However, when reviewing the accounts mentioned above, all the dates highlight the original date these items was placed on my credit report. This clearly demonstrates that there a manufacturing error deliberately aimed to harm my score.

These activities listed above has direct effects on the point system of consumers credit reports. I have been directly effected from this causing me to halt my purchase of a vehicle because of the dramatic decline in my score which now sits a XXXX XXXX XXXX XXXX. Which ultimately, is a XXXX XXXX  per XXXX XXXX XXXX.
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IL)

Unusual transfer of mortgage ownership in foreclosure. 
1 ) Foreclosure case filed by Chase XX/XX/XXXX. At that time Chase claimed ownership of the Note. A records search by a law firm indicated Fannie Mae held ownership. 
2 ) XX/XX/XXXX Chase filed transfer documentation showing they transferred property to XXXX XX/XX/XXXX. 
3 ) Is n't this the major question of these foreclosures. The inability of lenders at the time to present the documentary proof required to obtain judgment of foreclosure? 4 years later they come up with the documentation and the homeowner has no recourse? 
LACK OF CORRECTLY OWNED DOCUMENTATION AT THE TIME TO PRESENT A PROPER FORECLOSURE. If Fannie Mae had ownership of our loan at the time of foreclosure, how can Chase sue? 
4 ) The securitization process ignored longstanding legal principles for the transfer and sale of notes and mortgages and we the home owners are stuck paying the price by loosing our homes. 
IMPROPER CHAIN OF TITLE OF THE NOTE OR DEED OF TRUST. 
5 ) How can they foreclose on my home when they really did n't have the right to do so? We were getting 2 calls a DAY threatening to take our home. 
6 ) Chase claims to own all these mortgages that they never got the notes for because they were all securitized. So Chase says we own Washington Mutual 's assets but they do n't have my note. 
7 ) The Securitization ( bank / XXXX. product ) process ignored legal requirements for the transfer of mortgages. ( well if they get a do-over, I want one too!! ) Do the banks hold legal title over the homes they are suing? Or is this the " too big to fail '' and we the homeowners get stuck holding the bag for a bad bank idea a long time ago? 
8 ) What about MERS, was n't that a way around the requirements of the traditional mortgage recording process. Now they want that back since the initial plan did n't work? 
9 ) " Too Big To Fail '' The law must not yield to the expediency and convenience of lending institutions. 
10 ) Bottom line, the courts should not allow lending institutions to push and pull as they see fit. Why are the rules they are governed by tossed out? Many good veterans and Americans are getting and have been run over by these institutions and the courts are not standing up.
Consumer complaint received 2015-11-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Centralized Business Solutions Company (OH)

A business called CBSC keeps calling leaving a very vague recorded message that they are calling about a debt collection and that is it. It is the exact same message every time. This has been going on for two months. The call is coming from XXXX. 
They will not say who they are calling for and on who they are calling on behalf of.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2015-04-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

When I opened my checking account online with HSBC it was advertised that I should get {$50.00} bonus for making a direct deposit to the account. I made direct deposit of {$500.00} on XXXX/XXXX/14, but I have never received {$50.00} direct deposit bonus.
Consumer complaint received 2016-03-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

I was paying on a modification agreement of which was supposed to be Wells Fargo bank.After paying {$6300.00} I was informed an email from XXXX that the modification is a scam. I notified Wells Fargo through certified mail of the scam but did not get a reply. Hope services notified me that there is a class action lawsuit against the fraudlent company. I was convinced that the company is legit because they have information about me that could only come from Wells Fargo. I was made to understand that the person that called me was a former Wells Fargo employee. Wells Fargo put my house for sale on XX/XX/2016 at the XXXX XXXX courthose on XXXX XXXX XXXX NY.
Consumer complaint received 2015-04-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Our house was foreclosed on in XXXX, 2009. There was no deficiency on the XXXX trust ( there may have been an overage ). There was a HELOC on the property. It does not show up on a title search. We have been contacted by attorneys claiming to represent the BoA. One of osur credit report shows this debt has been sold. It is showing as fully due on our credit report even though XXXX attorneys have told us that this debt is no longer collectible thru the courts in Virginia. We recently applied for a mortgage and even the loan officer can not explain how this is being represented on our credit report and suggested that we contact you because she ca n't even figure out who we should contact to get it updated to reflect the actual situation.
Consumer complaint received 2016-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAINE & WEINER COMPANY, INC. (CA)

I worked part time for an insurance company called XXXX XXXX as an agent but left the company because I was not selling. I only sold XXXX policies and made a couple of hundred dollars during that time. I do n't remember if I was paid for the XXXX one before I left. 
When I communicated this to XXXX XXXX the manager of the office, and mentioned I could not cover my expenses and had to put more hours into my other job therefore not allowing me to continue to work there. He offered to pay me a small amount of money to help me cover my expenses while I started to sell more. We had an excellent business relationship. 
Just recently I got a letter from XXXX XXXX of Caine & Weiner, a debt collection company representing XXXX XXXX. I called and not only XXXX XXXX is arrogant and condescending but could not tell me exactly how I owe {$860.00}. 
He just listed concepts that might have originated that amount. 
I explained to him that first of all XXXX never contacted me to collect that or any other amount from me, why was I sent to a collections agency?. 
The reason of my complaint are : 1. Can a company send me to collections, causing additional fees for the debt collector, when they never contacted me at all before? I did not know I owed them money. 
2. Can Caine & Weiner collect money from me without giving me a break down of what I owe? 
I also contacted XXXX XXXX from XXXX XXXX, company I worked for, to ask for an explanation and he promised that I did not have to worry about anything but Caine & Weiner is still threatening me to sue me and ruin my credit. I left a message on my last phone call but he has n't called me back. 
Is it legal just to call someone trying to collect money without explaining why?
Consumer complaint received 2015-07-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (CA)

I try to submit a payment online to acs ( https : //www.acs-education.com/CS/Jsp/general/home.jsp ) and the website constantly fails. There is no one to speak to, and I can not email someone my complaint about their website. When I try to contact the original servicer of the loan XXXX they inform me they can not help. Meanwhile, I might get assessed late fees because I can not make a payment.
Consumer complaint received 2015-11-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Our mortgage was bought by Ocwen during bankruptcy. As time went by we finished our bankruptcy and had court orders stating that we are to pay a certain amount and that all past delinquent payments were considered paid in full. Ocwens attorney agreed to this order signed by the judge. We have made the required payments on time every month and most often paid more. We have bank statements verifying all monthly payments were on time. Ocwen is now sending letters saying they are missing payments, and are adding late charges to our account. I have tried talking with them over the phone but can not get anywhere with them. Each time I call I get different answers. They are now sending people out to take pictures of my house. I can only assume in preparations of foreclosure. I am not late on any payments and can prove it. My lawyer has instructed me to send a certified letter to the Ocwen attorney that represented them in my bankruptcy hearing. I have done this but have yet to hear from them.
Consumer complaint received 2016-03-31
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Paypal Holdings, Inc (OH)

A company called XXXX called me at XXXX on XXXX XXXX, 2016. They do not leave a message, call repeatedly and have finally called late at night last night. I do have some past due bills but have been working with the companies to repay, but do not know who or what company this call is for. It has become ridiculous trying to keep track of who is calling for whom and why. 

Please let me know what I can do to stop this nonsense! 

Thanks, XXXX XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting 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. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-11-21
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. (GA)

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 XXXXXX/XX/XXXX ] TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion Customer Service, I am writing to formally dispute the accuracy of the trade line reported for XXXX XXXX on my credit report. Upon reviewing my credit file, I have noticed that this account is inaccurately linked to the address XXXX XXXX XXXX. I would like to assert that I have never resided at this address nor have I had any dealings with this account. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or misleading information in my credit report. Specifically, the account associated with the address mentioned above is not mine and seems to have been reported in error. 

To assist you in the investigation, I am providing the following details regarding the account in question : 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  ] Moreover, I request that you provide me with the following documentation to substantiate the validity of the alleged debt associated with this account : 1. **Proof of Purchase Agreement** : Documentation showing the original agreement or contract regarding the alleged debt.

2. **Insurance Claim on the Debt** : Any records indicating that an insurance claim has been filed regarding this account. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) ** : The original creditors records that verify the validity and ownership of the debt. 
XXXX. **Statute of Limitations Information** : Information regarding the statute of limitations applicable to this debt, including the date of the last payment made on the alleged debt. 

I kindly request that you investigate this matter thoroughly. If you find that this account has been reported in error, I request that it be removed from my credit report to ensure my file contains only accurate information. 

Please confirm the receipt of this dispute letter and keep me updated on the progress of your investigation. I can be reached at [ XXXX ] or [ XXXX ] for any clarifications or additional information you may need.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ XXXX XXXX XXXX ] Enclosures : 1. Copy of Credit Report ( with the account in question highlighted ) 2. Proof of Identity ( if necessary )
Consumer complaint received 2016-01-19
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

XXXX of my parents died in 2014 and their names were on the mortgage held by Penny Mac. After they died, as their executor of their estate, and their daughter, I tried to get Penny Mac to talk to me concerning their mortgage because I was having trouble paying the mortgage at the time and could not afford to hire an attorney to start their succession. I needed to restructure the loan, but they would not help me because the mortgage was in their names. Penny Mac told me on XXXX different occasions to send in their death certificates and wills, which I did and they would help me. I sent them on XXXX different occasions and also sent them copies through email and when I would call they would give me the runaround, like they never received them, they were n't in the computer, the law department had not seen them and signed off on them yet, etc. They sent me a foreclosure notice and now the home I have been living in for 40 years is going to be sold next week at auction and because they would not work with me, I am now forced to file bankruptcy on my parents estate to stop the foreclosure. I have been told that Penny Mac Board of Execs are made up of the people who caused the housing meltdown and are getting double paid for houses going into foreclosure, through insurance and monies collected through foreclosures. Their names are on the mortgage and the succession has not been done yet, so this ca n't legal, can it??? Penny Mac seem unable to helpme and want me to lose my home.
Consumer complaint received 2015-04-30
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Mark A. Kirkorsky, PC (WA)

XXXX XXXX XXXX XXXX filed a writ of garnishment in an Arizona court with my employer in Washington state. I live in Washington and never authorized or agreed to the garnishment. 

After I filed bankruptcy to liquidate my debt and stop the garnishment the court ruled that XXXX had wrongfully garnished almost $ XXXX from me. They were ordered to repay the amount garnished plus interest and legal fees. To this date XXXX has refused to pay despite a federal court ruling.
Consumer complaint received 2019-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

XX/XX/XXXX on my cash app account, {$150.00} was sent to $ payingclient but was not authorized by my but one of my friends thats has their fingerprint on my phone and I tried canceling it and requesting it back but no answer. I already removed the fingerprint security to a number password.