davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
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. (CA)

This account was charged off on XX/XX/2019. Since then, the account has been repeatedly updated as a charge off every month. This is an update on the payment history. The charge of account should not include an active payment history. this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I discovered in XXXX 2014 that my social security number had been used to open various accounts and attempted to open other lines of credit ( i.e. Credit cards, checking accounts ). A XXXX utility bill and a XXXX internet cable bill were opening in my name, also a bank account through XXXX bank and XXXX Bank. The local police department contacted me and stated they had found a credit card, a duplicate of my driver 's license, and a XXXX bill in my ex husband 's ( who Ive been divorced from for XXXX years ) house while searching it on a warrant. I have been the victim of identity theft, the perpetrator has not been prosecuted although police reports have been filed. I have lost work wages trying to dispute and fix the issue while my credit is now ruined. I placed fraud alerts on my credit bureau accounts and disputed the fraudulent accounts. I have not received responses from any credit bureau and the fraudulent accounts are still on my report.
Consumer complaint received 2024-11-22
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. (CA)

I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following :
Consumer complaint received 2024-11-20
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: JPMORGAN CHASE & CO. (LA)

My husband had XXXX, and he did n't understand the difference between credit and debit cards, so he got us into lots of trouble often. We filed Chapter XXXX in early XXXX, then in XXXX XXXX he passed away, I was told to turn the XXXX into a chapter XXXX, with the agreement to keep my house and car. So it was filed and I was discharged in XXXX XXXX, I found out about 4 mos later, my car and my home was added to bankruptcy. But I was continuing to pay XXXX. I went to another Lawyer and was told they could do nothing about it. there is lots more descrepancies on my report. Inquiries specially from a certain Co., and I have called them crying asking them to quit. A collection was placed on my file, that was not suppose to be. The lawyer that represented me was banned right after that for causing so much trouble and frauding people.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I purchased a house in Massachusetts back in XXXX with Countrywide Bank in the amount of $ XXXX. In XXXX I could not afford my mortgage payments and the bank initiate a short sale process in my primary house. I tried to negotiate with BOA but the Bank did not want to make a fair agreement. My house was sold to a 3rd party for a half of the amount owed to BOA. 
Bank of America owned both mortgage by then. The house was sold in XXXX. In my perspective both loans will be cover by the sale. BOA never informed myself that I could have a deficient judgement against me. Few weeks a go a collection name XXXX XXXX XXXX XXXX contact me trying to collect an AMOUNT OF {$61000.00} saying that Bank of America transfer my 2nd Mortgage to them in XXXX XXXX. At this point the house was not even sold and I was living in the house. 
My complaint is : How come BOA sold this loan to a collection before the house was sold? 
Unfortunately I did not had any legal support in order to give me and my family orientation in regarding to remained balances of this mortgage. 
How came they want to came after myself with both loans was done when the house was purchased. 
Please help me to solve this situation. If this is true I would need to file for bankruptcy since I do not have the funds to pay.
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had an account that had gone into collections for the amount of XXXX with XXXX XXXX through XXXX different collection agencies. XXXX that had opened XX/XX/XXXX through XXXX with no closing date yet last reported on XX/XX/XXXX. 
I then had another through XXXX that was opened XX/XX/XXXX with no closing date that was last reported on XX/XX/XXXX. 
This account was directly paid through XXXX XXXX on XX/XX/XXXX in full. It shows on the credit report through Transunion and XXXX that the balance through both companies was paid to collection with a {$0.00} balance, yet they are still on my credit report affecting my credit score. Due to the fact that both have given specific dates that this was reported and paid in full I believe they should both come off of my credit report helping to restore my credit score.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NH)

On XXXX XXXX, 2015 I received a bill of {$60.00} from Macy 's American express account. I informed the company the charge was fraudulent. I filled out a statement of fraud letter and mailed this to the company. I then received three calls a day from the collections department regarding non-payment. I informed them the charges were fraudulent and I should not be held responsible. The current date is XXXX 2015 and I continue to receive calls from the collections department.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AZ)

Hello, I spoke to representatives at PNC Bank regarding my concern with my account being frozen and funds not being available although it shows that I have {$170.00} in my account. In addition, the bank took an action that was not authorized by me nor was it known by myself when the transaction occurred. I had learned about the preauthorized debit to my account in the amount of {$520.00} and immediately went to the branch to dispute it. The account was reopened to received a disputed charge for a rental vehicle that was initiated in XXXX for {$670.00}. I received a denial letter from PNC stating that the dispute was denied. Since I had many other issues with this bank, I had decided to find another bank to bank with so I had stopped using the account but I didnt close it. I would later learn that this bank closed the account after the fact on XX/XX/year>. Then, in XX/XX/year>, the disputed funds were deposited back into my account which caused the account to be reopened from my understanding. All of a sudden, I receive a check in the mail for {$320.00} which prompted me to look further into why I received this check. This is when I learned that the bank had received these disputed funds back from the merchant and they took it upon themselves to give me a portion of it back while a PDA was created and routed to the bank. I have since contacted the bank and I would either get disconnected or sent to a call center department outside of the country. My account is at a positive status in the amount of {$170.00} but I found out that my account is now frozen for whatever reason. I am not sure what is going on with my account but it doesnt seem right. Ive never had a bank create a check on my account without my knowledge or consent to be made payable to them. This is my purpose for the dispute as I thought maybe my money was stolen by an employee on the branch level.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In 2010 I was notified by the IRS that someone had filed a fraudulent tax return in my name and received a refund. A police report was filed with the XXXX XXXX Police Department. As a result of this unknown/fraudulent tax liens were placed in my name as well as a BK. 
Transunion removed the BK once I supplied them with my police report and other pertinent documentation, however they re- inserted the BK back to my credit write while I was in the middle of applying for a loan. 
I have tried to reach out to them for the past 6 months and the public record account still remains on my credit even though it is not mine!! 
BK XXXX
Consumer complaint received 2015-05-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Focused Recovery Solutions, Inc. (VA)

See attached. A debt collection agency has placed a negative trade line on my credit report without providing the validation of debt requested and a reasonable opportunity to investigate the putative debt. This is important because ( XXXX ) I previously owed money to the original creditor that was handled by Focused Recovery that was discharged in a Chapter XXXX bankruptcy and ( XXXX ) I may have been a victim of identity theft. A full legal analysis and memorandum of facts necessary to adjudicate my claim are attached.
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

My home loan was sold to a company called ditech. In our initial letter about the transfer it says expressly that because we were enrolled in autopay with the previous bank that would roll over and continue happening automatically. Needless to say, a month went by and we became concerned because that did not come to fruition. It also says under Federal law during the 60 day period of the loan transfer, payments may not be considered as late. Well, we have sent them a payment which I see debited from my checking account and I see in my ditech online account, and yet they are sending me letters threatening me already with foreclosure, claiming we have made no payment. I 'm not exaggerating, I 'm keeping records of everything. Also, they are maintaining we owe another payment for the month even though the payment we made is clearly in the account. I 've read XXXX horror stories about this company. How is the government not protecting the consumers here, and allowing this bank to continue its shady practices? This is a horrible feeling having no choice in the matter and being stuck with a bank this bad.
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

Despite no request for a change in address, all correspondence is being sent solely to the borrower 's attorney. On XXXX XXXX, 2015, borrower 's attorney contacted GreenTree to request that all correspondence be sent to the borrower. The borrower herself made the same request to GreenTree the next day. On XXXX XXXX, 2015, the borrower 's attorney emailed GreenTree 's attorney in the foreclosure action, and made the same request. GreenTree 's attorney responded that he had raised the issue with his client and would follow up when they responded. Today, the borrower 's attorney received documents dated XXXX XXXX, 2015 once again solely addressed to the attorney. The borrower is distressed that she is not receiving any correspondence from GreenTree herself, despite our repeated requests. GreenTree should never cease correspondence with borrowers unless specifically requested by the borrower.
Consumer complaint received 2015-05-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Dynamic Recovery Solutions, LLC (FL)

I 've received repeated phone calls from Dymamic Recovery Solutions regarding a debt I owed over XXXX years ago when I was married and going under a different name. All phone messages indicated that if I did n't call them, I would be served with papers either at my place of employment or at my place of residence. 

This time-barred debt has since appeared on my credit report with an account open date of XX/XX/XXXX ; I did not open any new credit under my current name or under my former married name at that time. This account was originally opened under my married last name ; however, I have not gone by that name nor have I opened any credit accounts in that name since prior to my divorce in XX/XX/XXXX.
Consumer complaint received 2016-01-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDYK MORTGAGE CORPORATION (FL)

I was issued a mortgage with VanDyk Mortgage in XXXX 2015. In XXXX 2015, I submitted my first mortgage payment and have been submitting on-time payments since. After 3 months, I noticed that my mortgage had not been reported to any credit bureaus, so I contacted VanDyk Mortgage to find out why the mortgage had not been reported and no one could provide an answer. I emailed a representative a written request to have my mortgage reported and it still has not been done. I have made several attempts to rectify this situation and after 9 months, it has still yet to be rectified.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I signed up for a no annual fee credit card through Bank of America with a 0.00 % introductory APR for 12 months. However, I am being charged a {$1.00} " Minimum Interest Charge '' on my statement every month. I called customer service the first time I noticed it, and they promised to remove the charge, but this has continued to happen every month since. " Minimum Interest Charge '' is described in their credit card agreement as, " If the total of the interest charges for all balances is less than {$1.00}, then a Minimum Interest Charge of {$1.00} will be assessed on the account. This fee is in lieu of any interest charge. '' I have accrued {$0.00} interest thus far due to my promotional APR rate of 0.00 %, and {$0.00} interest should not fall under this definition of Minimum Interest Charge.
Consumer complaint received 2015-05-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

I applied for a refinance with cash out in XX/XX/XXXX. The rate was locked and the loan was to be underwritten by Carrington Mortgage. I paid {$450.00} for an appraisal which was performed in ( I believe ) XX/XX/XXXX. I was told we were near closing on at least XXXX different occasions and was asked to gather all of the final payoff documents. Each time, Carrington would come up with some strange documentation request and the closing would be postponed. Each time I was asked to provide additional documentation, I provided it right away. Again, I would be told we were near to closing/gather the documents/then be asked for some obscure documentation. This went on for months. I was told in mid-XX/XX/XXXX that we were ready to close. Once again, I gathered updates for all of the payoffs. This time I was told at the last minute that the appraisal had expired and I would have to get an updated appraisal. This time, Carrington agreed to pay for the appraisal since it was their fault that we had not yet closed the loan. The same appraiser came to my home and basically updated the same appraisal that was done previously. The next thing I know, Carrington is telling me that I have to " clear debris from the bathroom '' and " cover or fill the pool ''. Both of these items were personally discussed with the appraiser each time he was at the property. The appraisal also is marked " AS IS '' and that the value of the home is not contingent upon any upgrades or repairs. By this time, the representative that originated my loan had moved to another company. I decided, since nearly a year had passed and Carrington had STILL not closed my loan, that I would start a new application with the originator that had changed companies. This loan has moved along at lightning speed and we are nearing closing. The current loan company asked Carrington to send them the appraisal that was performed in XX/XX/XXXX. They, again, have been giving us the run around and holding up my loan. Today, I personally, emailed Carrington and was told that since I did not pay for the XXXX appraisal they would not release it to the new company. Bottom line ... Carrington Mortgage has given me the run around for over a year and I now believe they knew all along that I could not get an FHA loan with the credit score I had at the time. All I want is for them to release the appraisal to the loan company I am working with nowl
Consumer complaint received 2016-01-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (TX)

CITI card services continues to call and leave messages at my place of employment. I do not and have never held a CITI card personally of for my company. I tried calling for over a week with no response, then on XXXX/XXXX/2016 I was hung up on by a XXXX, XXXX, XXXX and the escalation department with no assistance. This is either a scam or they have violated my rights. My employees think that I have unpaid bills, my credit XXXX be in jeopardy based in incorrect information. 

XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I had an account that had gone into collections for the amount of XXXX with XXXX XXXX through XXXX different collection agencies. XXXX that had opened XX/XX/XXXX through CBA with no closing date yet last reported on XXXX XXXX, 2015. 
I then had another through XXXX that was opened XX/XX/XXXX with no closing date that was last reported on XX/XX/XXXX. 
This account was directly paid through XXXX XXXX on XX/XX/XXXX in full. It shows on the credit report through XXXX and Equifax that the balance through both companies was paid to collection with a {$0.00} balance, yet they are still on my credit report affecting my credit score. Due to the fact that both have given specific dates that this was reported and paid in full I believe they should both come off of my credit report helping to restore my credit score.
Consumer complaint received 2016-02-10
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (OH)

In XXXX I got an auto loan from J.P. Morgan Chase Bank. The contract I signed was for the Amount Financed : XXXX, payment schedule of XXXX payments of {$510.00} and XXXX final payment of {$510.00} due on XXXX/XXXX/XXXX. In XXXX XXXX, I was in the process of paying off the auto loan ; however, after contacting Chase to find out my payoff amount, this amount was different from what I had calculated so I asked Chase to send me a itemized statement listing all payments made, interest payments, and principal. First thing I noticed on the itemized statement there was a charge of {$190.00} ADDED to my original loan of {$22000.00} ( this is what my contract states I OWE and SIGNED for ) which now made my total loan for the amount of {$22000.00}. Therefore the {$190.00} ADDED to the principal of the loan, would affect the interest over the course of the loan. I contacted Chase in reference to this discrepancy and no one could tell me what this charge was for, in fact, the charge was ADDED to the PAYMENT column. ( So in reality, this should be a PAYMENT, not an ADDED charge. ) I called Chase several times, talked to several people asking if they could do an audit on my account, and I was told they do not have the manpower to do this. I took all my auto loan paperwork to an accountant, they calculated the payments, interest, etc. and showed that Chase has been PAID IN FULL and there is a CREDIT on my account for {$470.00}. ( based on beginning balance of {$22000.00} ) Based on the amount of {$22000.00} ( the amount showing on the itemized statement, adding the {$190.00} ) there is a CREDIT of {$400.00}. Chase is stating that I owe {$560.00}. Based on the information submitted, i disagree with this amount owed. In looking over the itemized that Chase sent me, Their statement showed several months where the FULL payment that I made was applied to the interest, nothing applied to the principal. I understand that interest is accrued daily, and computed on the principal of the loan. I would appreciate any help you can give me on this matter, as I have gone in person to the J.P. Morgan Chase Bank in XXXX XXXX, Michigan sat down with a representative with my paperwork, and she also could not help me. Thank you