davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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. (NC)

I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I a victim of a severe form of trafficking in persons under 22 U.S.C. {$7100.00} ( 11 ) or trafficking under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.
Consumer complaint received 2015-12-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

In XXXX i owed capital one XXXX on a credit card debt. In XXXX it was charged off at XXXX, apparently sometime in early XXXX they got involved to assist in collection. Its been stated XXXX tried to contact me, then shortly after obtained a default judgement. Again apparently in XXXX ( maybe XXXX ) and in XXXX Of XXXX they again tried to negotiate a settlement with me, But since i didnt respond they got a judgement and ended up garnishing me in XXXX of XXXX. Facts are they didnt not provide, notify or contact me on this, and infact in those months of XXXX they pingged my XXXX work report and knew where i was, They served a writ of garnish of XXXX and in early XXXX AGAIN provided my employer with a additional XXXX still owed after the XXXX was garnished. At that point i contacted XXXX in XXXX and all of a sudden the second garnishment stopped and only XXXX was taken out of the XXXX, i have requested documents on the second garnishment XXXX seperate times and have not gotten anything from my former employer only that wat i have stated has happen in a verbal form. My former employer has stated a letter of satisfaction was sent, Again when i complained. The writ copy i recieved doesnt add up, Time stamps dont match documentation and no judges signature, Even the case number cant be found. They tried to garnish bank accounts i never had and XXXX documentation reads XXXX, in XXXX? This firm hasnt been XXXX for a while only XXXX? I got ripped off big time!!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 a 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.
Consumer complaint received 2015-04-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (WI)

I an attempt to modify/short sale etc ... XXXX My lender ( flagstar bank ) r has violated every possible servicing regulation, by causing delays failing to accept payments, mishandling my application that led to a denial, failed to send statements, failing to acknowledge my answer to judicial foreclosure. Their violations are clear and ongoing. They recently entered into an order of consent with your agency to comply with federal lws, however they continue to ignore them and are attempting an illegal foreclosure on my home.
Consumer complaint received 2015-12-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (WA)

I was sent a cashier 's check for {$1900.00} on XXXX XXXX, 2015. I deposited it in my bank account and the funds were in my available balance the next day. The check obviously cleared in the bank since the entire funds were made available to me. However, on the XXXX of XXXX. I called the bank to find out why my account was withdrawn and was told that the check for {$1900.00} was fraudulent and was being sent back. I was also told that it was my fault for not waiting for the bank to clear the check and make sure that the check was good. I was also told that the reason the bank made the funds available to me was because I have been a long time customer and have never had problems like this before. I trust that when the bank makes funds available to me that they are really available to me. I have completely lost my trust in US Bank. I am now over {$700.00} withdrawn in my bank account and I was told I am responsible for paying this money back. This is wrong on many levels and I feel I should be refunded this money because this the bank made the funds available to me.
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

I applied for a home mortgage with wells fargo bank 3 months ago. they demanded more and more pieces of information, waited a week or two and then demanded even more. so far i think they demanded the same bank statements XXXX times. XXXX wells fargo mortgage guy XXXX XXXX, dropped out and did n't return calls. the rate is about to go up due to its expiring, and i believe this is a bait and switch technique, where they postpone and postpone and postpone until oh well, you need to pay much much more because time has run out. also the sellers of the house are beginning to pull out and can do so on XXXX XXXX the rate lock in expires XXXX XXXX.
Consumer complaint received 2016-01-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (CA)

Late charges imposed unfairly by lender : Late charges of {$29.00} were imposed by US Bank on my car loan in XX/XX/XXXX and XX/XX/XXXX. I mailed the payments to the bank at no different times those two months than in the preceding five months since the loan was initiated, yet in the previous five months the payments were recorded as received no later than the XXXX of each month, but in XX/XX/XXXX and XX/XX/XXXX, they were recorded as being received on XX/XX/XXXX and XX/XX/XXXX. 

When I called the bank 's customer service number, the representative I spoke to said there is " processing time '' involved between when the bank receives payments in the mail and when they get posted to customers ' accounts - usually a few days. I protested that it was unfair to impose late charges on customers if the bank does n't record them as received on the date they actually are. The representative said she was n't authorized to reverse the late charges but would forward my complaint to a supervisor who would be, and that the supervisor would get back to me. However, no one did get back to me and no action was taken to credit my account for the late charges.
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (FL)

Filled a complaint on XXXX/XXXX/2015 ( XXXX ) and have been trying to get a hold of my Personnel account Manager to find out status with No return Phone call on at least XXXX attempts ( unacceptable ). 
Today i checked the CFPB for a update and see a update was sent by Mail, which I did not get because they did not put my apartment number on my mailing address which they had at XXXX time but seemed to have miss placed that as well. It Should Be XXXX.Also My credit has been damaged by this and am requesting them to Repair this as well with no response at all. The problem they had was bigger than them saying insurance was not in place. that only came late in the conversations i did have with them and it was supplied to them. It does not explain why they said my payments were {$16000.00} per month and I was a month behind ( how do you explain that ). Requested at least 7 Times to talk to a supervisor or have one call me and that never happen. I can not even get my XXXX on the phone I know they record all theses conversation so there is a record of everything i am saying. I tried again this morning to contact my XXXX XXXX XXXX other agents are not allowed to handle your complaints and they are not available and no supervisor will ever call you back. Worst customer service set up i have ever experienced. I am requesting thru you to have my Apartment number of XXXX added to my address. Also to have credit agencies contacted and repair my credit.Maybe you can get them to respond.
Consumer complaint received 2016-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (NC)

Received a statement ( not itemized ) from Rent Recover Solutions, XXXX saying that a balance of {$5100.00} was due from 2012. This communication was mailed to my place of employment and to a post office box that I no longer have. 

The original bill is from the XXXX Apartments and was in the amount of {$650.00} which was not paid. The XXXX Apartments sent this to collections where it appears fees have incurred. 

Rent Recovery Solutions is threatening a judgment.
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (FL)

PNC 's has failed to comply with Dodd Frank regulations relative to loss mitigation underwriting. On XXXX XXXX, XXXX, counsel for the borrowers received a letter dated XXXX XXXX, XXXX from PNC 's Counsel. At no time prior to XXXX XXXX, XXXX were borrowers provided with this letter. On XXXX XXXX, XXXX borrowers law firm provided additional documents to PNC in response their request for additional loss mitigation documents. Given this XXXX XXXX, XXXX submission, PNC was required to respond on or before XXXX XXXX, XXXX as required by the XXXX enacted provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Public Law 111-203, 124 Stat. 1376 ( XXXX ) ( XXXX XXXX XXXX Final Rules ) Regulation X, which address servicers ' obligations regarding mortgage loss mitigation options, loss mitigation policies and procedures and evaluation of applications for available loss mitigation options. No such timely response was received. Next, the letter of XXXX XXXX, XXXX does not specify what documents were missing or what was incomplete. The letter stated in pertinent past as follows XXXX We have completed our review of your hardship assistance request under the Making Home Affordable Program ( MHAP ). However, we are unable to proceed further with your request for assistance, for the following reason ( s ) : - Request Incomplete We are unable to offer you a Home Affordable Modification because you did not provide us with the documents we requested. A notice which listed the specific documents we needed and the time frame required to provide them was sent to you. 
XXXX However, no such notice was provided with this letter and all prior requests for additional information were fully responded to, with counsel for PNC acknowledging receipt of the submission and confirming transmittal to PNC directly. 
Borrowers contend that this was a constructive denial of a modification. PNC has not complied with Dodd Frank regulations in connection with this modification application.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-12-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo offered {$100.00} for opening an everyday checking account by XXXX XXXX and fulfilling certain requirements ( XXXX debit card purchases or a total of {$500.00} in direct deposits received within 60 days ). Wells Fargo is now telling me I am not eligible for this promotion, saying it ended XXXX XXXX, which is not true. They have since removed the offer from their website, but the offer code was XXXX.
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (CA)

One year ago I contacted American Express because I was not receiving statements in any form but I did receive a letter that a late payment was triggering a penalty APR. I called them indicating the problem and they could NOT confirm that they were sending statements but would drop the penalty and start sending me e-mail statements. Since then, I still do n't receive statements but did receive another penalty APR notice XXXX days ago. Over the past year I 've begun making payments electronically which is the only way for me to check balances. Under this scenario it is possible to miss a date but I take my credit rating seriously and check my account at least XXXX per month. Yesterday when I called they had a message saying to call back in 24 hours. Today a representative claims their system is down and they will call back. 
Getting a statement should not be too much to ask. It occurs to me that not providing statements is a convenient way to collect fees or indicates they do not have systems in place to meet basic customer needs. 
I have been a card member for 27 years.
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (GA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-27
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. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2016-01-04
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings (AZ)

I went ot court in XX/XX/XXXX for an garnishment hearing on this loan in the court it was staified they did not closeout the garnishment and they This company will not send a close out to my job on this garnishment and they where able to go bavck to courk XX/XX/XXXX to court and win another XXXX from me in court. How is this fair pracices and i still havenot recieved anything from the company saying the garnishment has been statified
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (MA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Diversified Consultants, Inc. (AZ)

I tried to dispute it with DIVERSIFIED CONSULTNTS they said I need account number from XXXX. I called XXXX to get account number. They do not have XXXX because I have never been a XXXX XXXX customer. Called back Diversified told them no account number was available they said they could not help me and hung up. I have never been XXXX customer and I do not owe them any money.
Consumer complaint received 2015-04-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Wise Recovery Solution LLC (FL)

For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX XXXX..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX/ XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular one - XXXX XXXX, XXXX, XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX 2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX 2015.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting numerous accounts and inquiries that are not mine. I have requested investigation and TransUnion insists the accounts have been " verified ''. I was able to get to the bottom of XXXX of these accounts and get statements from the companies saying they will be removed from my report. Transunion needs to do a PROPER investigation on the final XXXX things that are not mine ( XXXX XXXX ( reporting late ) and XXXX XXXX XXXX ), as well as delete the unauthorized hard hits on my credit report.
Consumer complaint received 2016-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The incorrect address of XXXX XXXX XXXX, XXXX XXXX XXXX is on mt credit report. 
I have never lived in XXXX. I have lived In XXXX all my life. The last 12 years in imperial XXXX XXXX
Consumer complaint received 2024-08-30
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. (FL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.