davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I keep getting alerts by email, about my credit. I have not applied for any credit with these companies and these inquiries are unauthorized and/or illegal!! My mom has an alert with XXXX, our cellphone company and it alerted us that our email is on the dark web and my name & Social Security number is too due to a data breach! 
I took the time to contact each company separately and neither one could give me any information on where this inquiry came from. The only course of action they gave was to the credit bureaus. However, the credit bureaus are stating I need something in writing from each company, before they can remove the unauthorized inquiries. The FCRA states that the only permissible purpose for pulling someone's credit is for : Firm Offer of Credit, insurance, Employment, Court Order. 

Since I have not applied for or done either of these, the unauthorized credit inquiries are related to none of the aforementioned permissible which are as follows : XXXX - XX/XX/23 XXXX XXXX  XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XX/XX/23 Please remove these inquiries from my credit report immediately. I have enclosed a copy of my ID as proof of my identity.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

HI 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 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to all XXXX inquiries companies that were on my credit report to have them removed into inform them that my information was obtained illegally, and Credit was trying to be obtained illegally, and they still havent done anything about removing them from my report.
Consumer complaint received 2016-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NV)

I disputed items that do not belong to me because I am a victim of ID theft and the credit reporting agencies still have items showing on my credit report as negative.This is effecting me with me getting life insurance and employment. I have also contacted each creditor and I sent supporting documents as proof that my personal information was used in a tax fraud scam.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (UT)

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 1681. 
Account Name XXXX XXXX Account Number XXXX, Account Name XXXX  XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX  XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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. 
15 U.S.C 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

US Bank at XXXX , branches are XXXX run by XXXX teller actions to discretionally deny service to customer and close their account. On XXXX, I commented on a Sr. Teller/ about her unwilling to answer a quick question which she may not know, yet got offended, she shut out the window to my face and told me " You do n't talk to me like that. ". Then she further boycott me with her cohorts in another close branch to deny my service. Three months later, I went to pay my credit card with cash and was denied service which caused credit card fee from {$27.00} to {$290.00}. Then the complaint was addressed to regional manager who " joined '' as cohort to close my checking account to XXXX customer. They acted more than " queen and king of the hill '' in manipulative, abusive conduct which I was more than shocked. I would advised ANYONE NOT TO DEAL with this crooked US BANK for your own protection. Do NOT empower this bank to damage our community and our life.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

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 1681.

Account Name XXXX XXXX Account Number XXXX, Account Name XXXX IXXXX Account Number XXXX, Account Name XXXX  Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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. 
15 U.S.C 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP (MS)

I received a credit alert that stated my credit debt had increased by {$1000.00}. Upon checking my credit I realized an old debt from Republic finance had now increased from {$3100.00} to {$4.00}. they also reported on my credit that I made a payment on XX/XX/XXXX that is not true my last payment was in XX/XX/XXXX before my accident. I am starting to rebuild my credit and this hurts my chances I would like for it to be corrected.
Consumer complaint received 2016-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (WI)

This is too complaint case # XXXX.I XXXX XXXX placed a complaint with you in regards to the closing escrow surplus from selling my house on XX/XX/XXXX. The amount I have due to me is {$2700.00}. I received a letter the Ditech Financial LLC. dated XX/XX/XXXX. They stated that they did transfer my funds but they have not. The money is not in my bank account. 
As to the reference in the letter from Ditech Financial, LLC about them sending out a check to me on XX/XX/XXXX to the address XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I gave them my new address before they said they mailed this check out. Also if this check went out to this address I would have gotten it because this is my sister 's address. Ihave checked my on line banking account and they have not transferred my money. Now this is after Imade the complaint. I 'm still waiting for them to pay me.I have not been paid {$2700.00}.
Consumer complaint received 2017-01-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Sierra Holdings LLC (CA)

I have contacted Sierra Auto Finance several times over the past year and a half as an attempt to resolve the issue. XXXX representative even went as far as to say, why are you requesting that I send this information? The issue is that none of this was ever received. I have yet to receive any documentation, however whenever I contact for the documentation, Sierra Auto Finance will re age the account and report it as if the account is a new account. They refuse to validate the debt I say I owe. They have yet to produce a contract that shows that I owe them, a full billing and payment history that shows how they arrived at the balance, documentation of who the alleged repossession agency was and licensing, proof that local authorities were located within XXXX hour of recovery, required notice of Deficiency Balance or Notice of Default with timely and proper service for any said repossession, A copy of your notification and proper service of my right to reinstate, prior to the sale of this vehicle/ Notice of Intent to Sale showing proper with timely and proper legal service, Proof that the repossession agency you used contacted me within XXXX hours of the said repossession with proper documentation ( Notice of XXXX ) as well as the inventory list of personal effects, Inventory of items that was in the vehicle at the time of repossession, as well as the manner in which it was disposed i.e. ( proof of disposal ), XXXX. ) Please provide documentation that the vehicle was sold in a commercially reasonable manner. I have asked that this account stop being reported as a new account with updated terms as well. So not only will Sierra Auto Finance not validate the debt. They also are being predatory in their reporting practices. I have also disputed this with XXXX, XXXX and XXXX with no success. Next stop law suit! Contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is a case where I am not getting the XXXX validated as required by law. Do I even owe this debt? Why is it being reported. This is my last stop before filing suit against Sierra Auto Finance.
Consumer complaint received 2023-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

I have tried several times over the past few weeks to make payments online. They have once again blocked my account from taking payments. I have emailed my account manager and ask them to unblock the account however, that has not been done. I also have tried for several days now to fill out the Mortgage assistance application on their website to ensure that my account does not go into foreclosure, however their website keeps looping around giving an error message to fix any errors then submit. There are no errors to fix on the application, I have re-entered the information over and over yet it still will not accept it! Select Portfolio is once again doing everything they can to try and foreclose on my property just as they have in my past two complaints about them. I do not understand how they expect anyone to make mortgage payments when they block their accounts from accepting payments. Then have such a horrible system that you can not fill out their online forms and submit them like it says you can. It is time for someone higher up than Select Portfolio Servicing to step in and make them fix these issues that are constantly recurring. As I have seen from the XXXX XXXX XXXX and online reviews, I am not the only one they continue to do this too. It is either neglect on the part of customer service or intentionally done to force foreclosure and add additional fees. I should not and will not pay fees due to their illegal business practices that they continue to do over and over. Nor do I have the time or energy to continue this cycle with them. I want them to fix the site and accept my payments online. I do not have additional funds to pay XXXX XXXX  fees, bank wire transfer fees etc, When I should be able to make a payment online on their site like every should. I want them to be respectful to not only myself but others and do what they are legally suppose to do. I have said previously I want them to sell my account to XXXX XXXX or a more reputable mortgage company because I am fed up with them. They need to do so because this is absolutely unacceptable business practices on their part.
Consumer complaint received 2023-06-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (NY)

Hi Ive been in the hospital I was paying on my loan monthly company didnt tell me about charge off nobody called me I told company I was saving up to make more payments.They charged off my loan without warning and didnt tell me I had to call them to be notified very very poor customer service I had enough for 3 pmts
Consumer complaint received 2016-08-01
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMA Advisors, LLC. (CA)

First of let me say for a manager to start yelling at a customer is beyond belief. I reluctantly dealt with XXXX and it was one of the worst things I could do. She constantly made excuses, would not call me back or answer questions. I got answers from another lender. She told me that I did not qualify for a loan because the loan to debt ratio was XXXX. Another lender told me XXXX, and I called her numerous times because I wanted to know, would I qualify if I paid off my XXXX car loan. So it would not be considered debt if it were not there. She never even mentioned any other options after running my credit. She is unprofessional, rude and loud. She got angry because I questioned her lack of customer service, went off on me as though she was some street fighter and frankly she only embarrassed herself! Please allow me to send you the emails where she tried to send me to another company. I did not want to deal with her ecause of her poor customer service and you will see that in the emails. I cant believe you have such an unprofessional person in your employ. I would like to speak to the President of the company. She lied and manipulated me into allowing her to r run my credit information. I sent her all of the documentation and she claimed that she looked it over BEFORE to see if it were feasible to run my credit which I do n't believe she did. All she was interested in was running my credit. Also to try to send me to another lender without even trying to earn my business is disturbing. The emails outline the fact that she was ignoring me and I had to get answers from another lender. She never even gave me any alternatives to make the loan work. 
despite all of this, no 'PROFESSIONAL ' has the right to yell at a customer., tell them anything to run their credit then abandon the customer Here is her information XXXX XXXX , Sales Manager/Mortgage Loan Originator, XXXX # XXXX HomeBridge Financial Services , Inc . 
XXXX Member Preferred Lender XXXX XXXX XXXX XXXX XXXX, NJ XXXX o : XXXX c : XXXX f : XXXX e : XXXXXXXXXXXX
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (WV)

Have been trying to ask them for help with consolidating or remedying my debt with them and every time I am refused any help at all. I get very mean and loud agents who insist I pay the entire amount up front to keep from having more issues with Discover Card. Some threatening me with insulting ways of paying the debt or just being stringent on not helping find a way to get my debt settled with them.
Consumer complaint received 2016-09-29
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Opportunity Financial, LLC (VA)

I am seeking relief from a cah advance loan Opp loans phone number Opportunity Financial LLC in XXXX Il the interest rate is 160 % I am trying to work out a reasonable settlement but they will not work with me the website is www.opploan.com I donot have the money to pay them back my entir pay is going towards vash advances
Consumer complaint received 2016-09-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

1 ) My Mortgage Loan Modification final document package has been dispatched via XXXX to a third party individual Notary Public, XXXX XXXX, to deliver in person the modification docs. for my notarized signature. Be advised, I am represented by Attorney-at-Law, XXXX XXXX since I filed Chapter XXXX Bankruptcy on XX/XX/2012 and I believe the docs. should have been sent to my attorney or myself in lieu of a third party who is not a Wells Fargo employee. Furthermore, if Wells Fargo 's intention was to ensure accurate execution of the modification documents they could have utilized a Notary at a banking branch office in my neighborhood. 

2 ) XXXX Attorneys employed with the law firm XXXX , XXXX XXXX XXXX XXXX, XXXX. ( this law firm was in process of foreclosing on my home in XX/XX/2012 when I filed Chapter XXXX ) are individually named as Trustee on the pending Subordinate Deed of Trust awaiting my notarized signature. 
3 ) I was given 12 day turnaround from the date of receipt of loan modification documents for my notarized signature, I was expecting at least 30 days from date of receipt for review and discussion with my attorney. 

4 ) My Mortgage Loan history is MISSING XXXX Property Inspection charges each assessed at {$15.00} each as follows : XX/XX/2012 XX/XX/2012 XX/XX/2012 XX/XX/2012 5 ) Over billing attorney fees and costs. Advertising costs in Texas and XXXX XXXX filing fees are over billed by foreclosure attorney. 
6 ) My loan was dual tracked in 2012 and a trial payment was returned NSF in order to begin foreclosure. I am in possession of all documentation in support of dual tracking as well as copies of 2 months of concurrent bank statements from XXXX XXXX XXXX showing available funds in my checking account at the time the check was returned NSF. 
All evidentiary documentation on above complaint issues are available and will follow under separate cover.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It was happened that before couples months ago when I requested credit report I found there is account showing in my report which is not belong to me because I know all the account that opened on my own personal account either debt or credit, but the one shown under the account name as the following : - XXXXXXXX XXXX XXXX Partial Acct # XXXX. 
Date opened XX/XX/XXXX in the original amount of {$2500.00} is not mine and not belong to me and I already opened a dispute with XXXX on XX/XX/XXXX, this not my account, this really a fraud and ID theft of my personal information, Please kindly try to resolve this issue ASAP, because now the credit report has been affected my score to negative for something not mine XXXX ID theft victims. 
I did more than XXXX calls to the creditor trying to tell them this loan is not belong to me and the department they disconnected my all calls and dont want to discuss this issue of fraud with me they intentionally disconnected the calls. I hereby would like to file this dispute to you as governmental bureau of consumer protection to solve my issue and place security freeze till the investigation completed.

Account overview Credit Close-UXXXX XXXX XXXX XXXX XXXX Unsecured Loan {$84.00} Balance as of XX/XX/XXXX Loan balance You've paid 97 % of your loan balance. 
{$2500.00} X Making on-time payments will help you chip away at your balance and is a key ingredient in your credit score. 
Payment details Payment status Past due 30 days Minimum monthly payment {$83.00} Terms 2 years 5 months this attached report copy
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.
Consumer complaint received 2015-08-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Law Offices Howard Lee Schiff, P.C. (RI)

Account was open on XX/XX/XXXX with a credit limit of {$250.00} plus unemployment and XXXX insurance which was paid on time till XX/XX/XXXX, when I became ill and out of work the account balance was {$69.00}. I contacted the insurance with no result, by XX/XX/XXXX I was contacted by XXXX XXXX regarding the closing of the account which I agreed, also late payments and fees, I was given the opportunity to settle the account by allowing XXXX to make XXXX automatic withdrawals of {$81.00} each starting XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my checking account. 
Copy of my account automatic withdrawals are enclosed. I hope this information clarifies your records and reestablishes mine.
Consumer complaint received 2016-09-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Sortis Financial, Inc. (MI)

On XXXX XXXX, I paid ClearSpring Financial to clear a lien and release a mortgage on my home. It has been approximately 90 days and there is still a lien on my home. I am under the understanding, in the State of Michigan, they have 60 days to clear this matter. They are failing to perform.