davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX  XXXX ), XXXX  Account # XXXX ( XXXXXXXX XXXX, XXXX  Account # XXXX ( XXXX XXXX XXXX ), XXXX Account # XXXX ( XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX ), XXXX  Account # XXXX ( XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (CO)

Hi, Ive been working for months with XXXX XXXX XXXX XXXX| Owner XXXX # XXXX Individual XXXX # XXXX Call or text -- Office : ( XXXX ) XXXX Cell : ( XXXX ) XXXX XXXX on a new conventional home loan refi. He is a loan broker and my complaint is not with him. My complaint is with the underwriter, United Wholesale Mortgage ( UWM ). 

I timed the lock perfectly at the low and got a quote for a 15 year, $ XXXX loan@ 2.625 % with $ XXXX in loan fees. Our loan number with them is XXXX. 

My wife and I have spent very many hours of precious time providing UWM with enormous volumes of information that proved we met all their qualification rules. All the while during this process, interests rates have been creeping back up and now they have changed the rules to say we no longer qualify, when in fact they refuse to honor the lock because rates are higher now. 

They are concerned about the short-term contracts that are typical with software programming contractors like me. Their rule stated that you still qualify despite the intermittent work schedule if you are unemployed for less than 6 months and your income during the months you were employed were sufficient to qualify. I met that requirement. 

Now that interest rates have crept back up, they changed the rule to state that I must be employed at the current job for 6 months and then we would have to start the whole time-consuming process over again, with rates now much higher! 

I called the UWM consumer advocate department ( XXXX ) today, XX/XX/20, to see if they could address this complaint and get our loan closed, as promised. But they never called me back. Then I sent an email, similar to this one to XXXX, which I got off the UWM web site, but never heard back from them either. 

Please force UWM to honor their end of the contract and get this loan closed as promised. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

These unauthorized transactions removed funds my checking account. 
XX/XX/2022 {$220.00} XX/XX/2022 {$290.00} XX/XX/2022 {$6.00} XX/XX/2022 {$8.00} NSF charge resulting from unauthorized transactions. 
XX/XX/2022 {$36.00} Total amount of dispute {$560.00} XX/XX/2022 I notified the bank in person of the unauthorized charges. They said it happened on my card. I showed them the card. I never lost possession of the card. It is now cancelled. I still have it. I requested a refund in accordance with FDIC rules. It has been a month and the the bank has failed to act.
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (TX)

I am in the US military and a XXXX XXXX Report # XXXX was pulled on XX/XX/XXXX. On this report was an account with creditor : XXXX XXXX XXXX with a balance of {$7600.00}. Open date of account was XX/XX/XXXX. I have never applied for credit of any sort with this organization. I called to have this disputed on several occasions and was told that it was because i had a loan with XXXX XXXX. 
I had a loan from XXXX XXXX for {$7800.00}. This loan was placed into a debt consolidation program with XXXX XXXX XXXX and was later settled with a collection agency : XXXX XXXX XXXX in the sum of {$4700.00}. I have attached all documents received to support my claim that this outstanding balance is null.
Consumer complaint received 2022-08-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (SC)

I finance my vehicle with Hyundai Finance Motor. I been receiving monthly statements from them since XXXX of XXXX. I made my final payment on XXXX. Today, I can not get my title nor a lein release for this vehicle. I have called them and has been told to allow title to issue 3 til 5 business days. Still no title or lien release. I called Hyundai Motor back, just to be told not able to speak with a manager only the highest command is a supervisor. This is my 2nd time trying to trade the vehicle in and has not been successful for getting a title. I asking to be paid {$1500.00}, a month from XXXX, XXXX, XXXX, XXXX and XXXX for a title of {$6000.00}, til I receive my title. I'm asking for titl to be overnight to physical address XXXX XXXX XXXX XXXX XXXX SC XXXX.
Consumer complaint received 2022-08-25
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: Aargon Agency, Inc. (CA)

On XX/XX/2018, AARGON AGENCY INC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA AARGON AGENCY INC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2022-08-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Braviant Holdings, LLC (MI)

Have called creditor several times to have credit report updated with the credit bureaus. Still being shown as open with a balance on XXXX. Have spoke with the Resolutions department at Balance Credit multiple times. Today being XX/XX/2022 spoke with XXXX. Said the account has been reported as closed paid in full as of XX/XX/2022 and was manually inputted to the bureaus. But according to XXXX as of today XX/XX/2022 account is shown to be open and accurate with balance owed of {$1600.00}. I have filed disputes with XXXX on XXXX/XXXXXXXX and XX/XX/2022 and the problem never gets corrected. I have documentation supporting the payoff date. The creditor does also and they always agree that this particular loan is paid in full. I do not understand how they can continue to show something that is clearly paid in full and not be accountable. It is damaging to my credit score for something that is not owed.
Consumer complaint received 2022-08-25
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: Resurgent Capital Services L.P. (NY)

LVNV FUNDING IS reporting a fraudulent account on my credit. The account I am referring to ends in XXXX I have submitted several disputes regarding this account and yet it continues to report on XXXX. Please see the attached FTC report and my driver license and remove this account from my credit profile I am not responsible for this and have no clue why its still reporting on my credit. Please remove this fraud!!!
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Bankruptcy account has been removed from XXXX. which means it should be remove from transunion and XXXX  now. I demand that you remove these public record from my credit file. It is a violation of my right to privacy Pursuant to 15 USC 1681a ( 4 ) and 15 USC 1681b of the Fair Credit Reporting Act. Ive attached the updated credit report which shows the public record removed from XXXX.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/2022, I was notified via the Ally Bank mobile app that a large transaction totaling {$470.00} was made on my personal checking account via my debit card for an online purchase. I do not carry my debit cards and use them only for ATMs. When I'm not expressly going to an ATM, they're locked in a safe. Immediately I went into Ally 's mobile app and locked both of my debit cards. I called Ally and waited on the phone for approximately an hour and a half that evening to report the fraudulent charge. After reporting, I was told that an investigation would be opened into the charge and a resolution would be reached within 10 business days. 

New debit cards were sent. Following receipt of the new cards, fraudulent charges are still being attempted, but declined since I've locked the cards down in the mobile app. I reached out again via secure internal email on XX/XX/2022 for an update, but the message remains unanswered. 

I called again today, XX/XX/2022, XXXX business days later, to check in on the status of the funds being returned and found that the first representative had never actually initiated a dispute, so no action was taken. The representative I spoke with today, XXXX, has told me it's now disputed, however it'll take another 10 business days for a possible resolution, which was very frustrating. Ally could not tell me how the cards were compromised or how they continue to be hit with attempted transactions on the brand new cards, but judging from a look online, this is a recent widespread event impacting hundreds of people under the same circumstances with Ally.
Consumer complaint received 2022-08-25
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-27
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: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian XXXX XXXX  XXXX Account number XXXX Experian violated my rights. Accordance with the Fair Credit Reporting ACT XXXX 15 U.S.C 1681 SECTION A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C 1681 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2020-04-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

To whom it may concern, I received a short-term payment relief on my modification loan under the HAMP program letter dated XXXX XX/XX/2020. Nevertheless when the short-term relief ends ; " Any payment that become due during the relief period and are still unpaid will be move to the end of the loan. '' However I dispute the language in the memo, according under section 4013 of the Cares ACT, bank may elect not to categorize loan modifications a ( TDR ) if they are ( 1 ) related to COVID 19 ; ( 2 ) executed on a loan that was not more than 30 days past due as of XXXX XXXX ; ( 3 ) executed between XX/XX/2020, and the earlier of ( A ) 60 days after the date of termination of the National Emergency or ( B ) XXXX XXXX. Nonetheless for all other loan modifications the agencies have confirmed with staff Financial Accounting standards Board ( FASB ) that short-term modifications made on good faith basis in response to COVID 19. to borrows who were current prior to any relief, are not ( TDRs ). This includes short-term ( e.g. six months ) modifications such as payment deferrals, fee, waivers, extensions of repayment terms, or other delays in payment that are insignificant. Borrows considered current are those that are less than 30 days past due on their contractual payments at the time a modification program is implemented. As of XX/XX/2020 Troubled Debt Restructurings ( TDR ) states when does a payment accommodation become a TDR modification of loan terms do not automatically result in TDRs, and as described, institutions generally do not need to categorize COVID 19. Related to modifications as ( TDRs ). According to U.S. generally accepted accounting principles ( GAAP ), a restructuring of a debt constitutes a TDR if the creditor, for economic or legal reason related to the debtor 's financial difficulties, grants a concession to the debtor that it would not otherwise consider.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still presenting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2.00}
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-25
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)

While checking my credit I noticed that there were several fraudulent accounts on my credit report i did not apply for any of these inquiries, so i filed a police report for identity theft and police told me to report these account to the credit reporting bureaus. And the credit bureaus did not help me. Here are all of the inquiries that are on my account that i didnt apply for. 
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 i have attached the identity theft report
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

I am receiving letters from credit card companies saying that they're declining my application for their credit cards even though I have never applied to any credit card companies recently. I only own one credit card and a debit card. However, multiple cards are trying to be opened in my name. These letters I receive say, " we need more information to approve your application, '' " we are declining your application because we believe someone is using your information fraudulently, '' or " we need to confirm your total amount of income. '' So far, I have received three letters from XXXX XXXX, XXXX XXXX, and Chase. I have no current or past accounts with these companies.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, I made deposits totaling {$30000.00} to my Chase business checking account. Of these checks {$12000.00} were made out to my newly opened company called XXXX XXXX. The other {$18000.00} were second party checks and were given to me as payments which I deposited into my Chase business account. Chase then froze all the {$30000.00} that I deposited and didn't allow any of the amounts to clear into my account. This included the checks that were made out to my business name. They said that this was due to their need to verify the second party checks and as a result until the checks are verified they are not going to release any of the money. The checks ' money was taken out of the original payers accounts and not released to me as such that I can not even ask the original payers to reissue me a check as they said the money was removed from their account. I spoke with Chase multiple times for a few hours each time and asked them why they don't release the money to me. They said we have to verify the checks and each time I call they claim to be verifying the checks as we speak. Each time they said they verified some but not all of the checks and until they verify all of them they can not release any of the checks including " the ones made out to my company that aren't second party checks which were verified ''. The next time I call however they have to reverify everything from scratch as if they never verified anything and they never finish verifying all the checks and don't verify unless I call them so at this rate I will never get my money back. I tried explaining to them that they should at least release the checks made out to my company but to no avail. They closed my account and as such I also don't have access to my info and statements. This has caused me tremendous financial damage to both my company as this is a fairly new business and this harms my day today operations in my business. as well as to my personal finances.