davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive Tried To Write This Company Twice Too Dispute These Collections and Have them Removed Ive received return too sender from this company!!! I cant dispute when this company address doesnt exist please remove off my XXXX credit report!!!
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX {$630.00}, XXXX {$720.00}, XXXX {$870.00}, XXXXXXXX XXXX {$440.00}, CREDIT COLL {$200.00}.
Consumer complaint received 2018-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (HI)

XXXX XXXX just kept making errors in calculating the P & I payments they deducted directly from my bank acct, they were doing right for the first 2 months, until I paid $ XXXX to the principal, and again another $ XXXX  to the principal, and since they kept making the XXXX   up errors!

I sent them emails to ask them to correct it, w/ my own calculation based on the mortgage calculator, still, the people there didn't listen, and I do want to pay them off, at the correct amount of loan I took from them, not the numbers they showed on the statement, and I put a stop to my local bank for the new loan to pay them off, not to pay XXXX  until they come up w/ the correct number I made for them to follow. Correct numbers!
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

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

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I received a letter from XXXX XXXX XXXXXXXX XXXX XXXX and contacted them. 
They have asked for my Bank Account Number and I will not give it to them. I told them I would get a Money Order to send them a payment, and they got abusive. I have hung up on them. I am only trying to contact them and this letter says they have a judgement. I have cancelled every credit card and opted out of new credit card offers. They overtalk you and will not listen. They call more than once a week. I have not sent them a letter yet to stop calling me. I do need advice on how to handle this situation. XXXX XXXX
Consumer complaint received 2018-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened an account with CITIBANK online by following the links of an advertised {$400.00} promotional bonus for opening the account and retaining a balance of {$15000.00} for 60 days-90 days. The opening deposit was made on XX/XX/18 in the amount of {$15000.00}. 

I have not received the promotional offer as of XX/XX/18. I have made multiple calls and online chats to no avail. I first contacted customer support around XX/XX/18 and was told to call their new account service line XXXX and basically ask them. When I spoke to the representative I was advised the promotional offer would be reflected on XX/XX/18. 

As of XX/XX/18 I did not receive the promotional bonus. I contacted customer support again via chat on XX/XX/18 and was then told that the promotional code was not reflected at the time of opening the account and that it needs to be " ENROLLED ''. I brought it to their attention that I followed the links on their website ( I am not sure how this got lost in translation or why it would be difficult to verify and apply ). At this time the representative filed a case ( # XXXX ). 

I called the new accounts service line XXXX on XX/XX/18 to get a status and I was told the case review process would take up to 90 days so I requested to be transferred to a supervisor who advised the case review process does not take more than 10 days and that I should see the promotional bonus reflected on XX/XX/18, he also advised that he had placed an " expedited '' request. 

On XX/XX/18 I contacted customer service via Chat and was then told the case remained open and there was nothing that can be done and to call the new accounts service line during the business week. 

I called on XX/XX/18 and was AGAIN told the promo code was not enrolled ( again I followed the links on their own website for this ) and was abruptly transferred to a " personal banker '' who tells me that the case has not been review and it is not guaranteed that I will receive the bonus offer. 

Needless to say this has been a very unpleasant experience ( It feels like shenanigans to not pay in hopes of making eligible new account customers close accounts and leave or extent and drag the timing of such payment as far as possible ). 

Citibank has not honored the promotional offer and is acting in bad faith.
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America Mortgage Loan # XXXX The lack of processing of our loan has thrown us into default within the terms of the Purchase Agreement. Due to my husbands future ( retirement ~ date unknown at this time ) I was told he would need to be removed from the loan application because he would not have the wherewithal to meet his financial commitments if he retires. When we applied for the loan our birth dates were stated ~ retirement is a fact of life as is XXXX. I retired XX/XX/XXXX with a reasonable pension from XXXX. We paid for an appraisal ( {$560.00}? ) which was completed and requested the appraisal be sent to us so that we could use it elsewhere. That has not occurred. Most importantly, we requested a letter stating the approval or the denial of our loan, which as of today 's date XX/XX/XXXX has not been received. We have pending damages if we fail to close on XX/XX/XXXX. Only personal note is that my credit score is XXXX and we are creditworthy applicants.
Consumer complaint received 2018-03-30
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: SYNCHRONY FINANCIAL (LA)

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file dated XX/XX/XXXXAs you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX
Consumer complaint received 2017-04-20
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: On Q Financial (TX)

I was attempting to work with OnQFinancial Mortgage - XXXX  #  XXXX  dealing with a Loan Originator by the name of  XXXX   XXXX   , on top o f no return phone calls which I am considering bad customer service but the complaint is the unfair trade practice and bait and switch that happened to me while working with  XXXX   XXXX . He pulled my credit and discovered that I needed to pay down some credit in order to reach a certain score for approval and he provided me the info about  XXXX   XXXX  through   XXXX   XXXX  . All during the conversation about the re-score, he never disclose to me that it is a fee that I would have to pay in order to get the new re-score, so within 8 days, I completed what he sent and call him back for the Re-score. At that time, after the proof of payments paid was sent as he advised, he proceeded to tell me about a charge to have the re-score, taken back and in shock, I asked about what type of fee, He stated, there 's a fee per trade-line update and I had  XXXX  items on  XXXX  credit report. When I questioned the ethics behind paying to re-score because the  XXXX  Credit Bureau do not handle transaction they are a reporting agencies, he advised me that it was " collateral '' to make sure that the consumer ends up closing the deal with him and do n't go with a different lender. When ask for this to be in writing, I was told, " No '' this is for him because to many people has left and closed with a different lender. He stated that the fee can run as low as {$50.00} per trade-line up-to {$100.00} dollars and I had  XXXX  items I had to address on  XXXX  different report, so totaling $  XXXX  {$1000.00} dollars for the   XXXX    XXXX   to go  to the Loan Originator-  XXXX   XXXX   XXXX   . I  spoke with my realtor that referred me to him and advised him of the situation and since then  XXXX   XXXX  has not returned any of my calls.
Consumer complaint received 2017-04-20
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Santander Consumer USA Holdings Inc. (TX)

from  XXXX  -2017 I have b een asking Santander Consumer Usa for VALIDATION of this debt that they claim I owe them. I have send letters to all the major credit bureau requesting validation and they always tell me that it has been verified by the company through a computer system that sends codes, what is that, that 's not fair to Consumers I need physical verification or validation that is determineing I owe this Debt no he say she say
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pull my credit report every year and for the last XXXX years going on 3 years I have noticed some things that's not accurate within my credit report. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy or information concerning Individual about whom the report relates. These accounts XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Are not mines I have never open accounts with these creditors I have sent a letter every 30 days asking them to reinvestigate the accounts listed above I also included FTC Report but TransUnion credit services is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification. 
Can you look into this problem
Consumer complaint received 2018-02-13
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: Santander Consumer USA Holdings Inc. (CA)

I took a loan in XX/XX/XXXX. I paid the loan in full in XX/XX/XXXX. I never received a duplicate title for my vehicle. I need to donate the car. I went to the DMV to request a duplicate title and the lien has not been released. I nowmust go to an outside site that will charge me money what Santander should have already provided.
Consumer complaint received 2017-04-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (TX)

JH Portfolio i s attempting to collect a debt on behalf of  XXXX   XXXX . I did not receive a right to dispute the alleged debt. I s ent JH Portfolio a  validation of debt letter and they sent me a bill as validation of debt. I sent them another letter on  XX/XX/2017    asking them to validate the debt as a bill is not validation. I also asked them to send me a copy of the agreement between the company and myself where I stated I agree to pay the alleged debt. The company has not responded.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: P.S.C., Inc (GA)

I 've been seeing an apartment for {$16000.00} on my credit report and I never lived at that location. I contacted the collection agency and told them about the inaccuracies and they basically told me they wo n't delete it. I called the original creditor and they are no longer in business.
Consumer complaint received 2023-01-22
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2018-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

To whom it may concern, I believe the company XXXX XXXX XXXX is a scam. Due to I purchased 2 samples online and I did not receive the samples till several later days after I ordered them only and I happened to check my bank account on XX/XX/XXXX and noticed that XXXX XXXX charged my account for {$100.00} dollars I immediately called my bank to gather XXXX XXXX information to contact them. I contacted XXXX XXXX XX/XX/XXXX I left a message XXXX XXXX never returned my call, I then called back XXXX and I spoke with a XXXX on XXXX she told me they do not give out full names just a first name and she offered to give me {$50.00} dollars of my money back she claimed I was supposed to cancel order for XXXX XXXX XXXX XXXX in 17 day which I was never informed of that. I never agreed to 17 days and never did I authorize XXXX XXXX to charge my account for {$100.00} dollars I repeatedly asked XXXX to speak with a Supervisor and she refused to allow me to speak to a supervisor she told me a supervisor XXXX would call me back on XX/XX/XXXX but a supervisor never returned my call. I never received any letter confirming they would charge my account for {$100.00}. I did receive a confirmation letter of the samples I purchased and a letter of them cancelling XXXX XXXX XXXX XXXX purchase order the purchase id XXXX. I never received a letter confirming a purchased order. I thought this was very deceiving and misleading business of XXXX XXXX.Thank you
Consumer complaint received 2018-02-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I obtained a personal installment loan from One Main in the amount of {$5000.00} about a year ago. On the evening of XX/XX/XXXX, I  was contacted by a loan representative located in the XXXX XXXX   Branch office. The loan representative failed to identify herself. 

I was contacted by a representative who was calling to collect my XX/XX/XXXX loan payment. I explained to the loan representative I would be making my payment on XX/XX/XXXX, because I was at work and in a meeting. 

The loan representative insisted I pay immediately the month of XX/XX/XXXX and for the month of XX/XX/XXXX which was not due yet. The month of XX/XX/XXXX, was not due yet and has a 15 day grace period to pay. 

I explained to the representative I was not going to pay for XX/XX/XXXX because it was not due yet. Further, I again explained I would be making my XX/XX/XXXX payment on XX/XX/XXXX. 

The loan representative then handed the phone to Branch Manager XXXX XXXX XXXX. XXXX XXXX demanded I explain to her why I was late making my loan payment. 
I responded I would be making my loan payment on XX/XX/XXXX, and I did not have to explain why I was making my payment on that day. 

XXXX XXXX then proceeded to threaten, intimidate, and scare me with legal action. 
XXXX XXXX insisted I pay for my loan payment of XX/XX/XXXX which was not due yet. 

XXXX XXXX threats in attempting to collect a debt are illegal, unethical, abusive harassment and prohibited by the Fair Debt Collection Practices Act as stated by the Federal Trade Commission. 

Branch Manager XXXX XXXX XXXX and her associates intentionally practice unethical business practices, by threatening and intimidating loan customers when collecting late loan payments. These illegal collection practice using threats and intimidation to place loan customers in fear to pay is illegal and must be stopped.
Consumer complaint received 2018-03-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Was informed of a collection item by a credit analyst decision letter, contacted Experian to try and identify what collection item ; and likely enter a dispute. 

However had to sign up for a website, agree to electronic results, and was told I would be able to enter the dsipute online. 


After registering and signing in, I viewed a message that for security reasons you can not enter a dispute online. 
You must instead call. 

After an hour and ten minutes of hold time, I still can not submit my dispute on the website or by phone. 

I also seem unable to cancel the Experian membership via the website, and thus far unable to cancel by phone.
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Roycroft Management (TX)

I and my family ( current and past ) members have received harassing phone calls froma person identifying themselves as XXXX XXXX, phone number, XXXX with XXXX XXXX XXXX trying to get my address ( which they have already and have left on voicemail ) to  deliver papers for a company called XXXX XXXX XXXX ( XXXX ). They call my business phone repeatedly every day, sometimes several times in a row if no answer as well as my cell phone. I contacted XXXX and asked their address so that I could send them a cease and desist letter. The person I spoke with identified himself as XXXX and refused to give me the address due to security and privacy reasons. I continued to ask the address and he hung up on me. I called back and he continued to refuse to give me the address. Ten minutes later, I received 3 calls in a row at work and one on my cell phone from a different number, XXXX, left a message on my cell number advising he was the legal representation of XXXX and received a complaint on me and needed me to call back. I did not contact them again, as I didn't see the need in arguing over the phone whom was actually harassing whom. He identified himself as XXXX XXXX, phone number, XXXX XXXX.
Consumer complaint received 2018-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX