davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-14
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)

I am requesting a thorough review of an account on my credit report that has been repeatedly verified as accurate, despite clear evidence to the contrary. I have sent multiple disputes to correct or remove this inaccurate information, yet each response has resulted in the same inaccurate information remaining on my report. 

This continued failure to address the inaccuracies violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit reporting agencies to ensure complete accuracy. I require 100 % accuracy on my credit report, and I urge you to reinvestigate this matter, taking into account the attached documentation, and either correct or remove this erroneous information immediately.
Consumer complaint received 2017-01-23
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I returned my car on XX/XX/2016 to a Nissan dealership. The early lease termination written quote was for {$1400.00}. I was also informed by their representative that I have a 10 day grace period. Given that I was unable to find a dealership that would take my car before the XX/XX/2016 I was forced to keep it for another 2 days. Up on my return I was informed that it would take about 3 days for the return to register in their system. On XXXX/XXXX/2016 I mailed them a check in the requested amount of {$1400.00}. Based on the document that Nissan provided me, that amount satisfies my obligation to them. XX/XX/XXXX I received a call from Nissan. They stated that I owe them an additional {$350.00} for XX/XX/XXXX, even though they also received a payment of {$360.00} that covers my possession of the vehicle till XX/XX/XXXX and I no longer had possession of the car after XX/XX/XXXX. Since my maturity date was on the XXXX of every month and I was forced to keep the car longer, I do n't feel that I should pay the sum of {$350.00} or any other fees for XX/XX/XXXX. Given that my lease payment is {$360.00} a month, the sum of {$350.00} makes no sense to me. After numerous attempts of speaking with Nissan no one was able to explain to me what the {$350.00} is for.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX account was placed on debt management program XX/XX/2016. Account has XXXX parts : pay in full and pay over time. Only pay over time was allowed to be on debt management. I was unable to pay the balance of the pay in full portion after entering the debt management program - had no extra money. The payments from the debt management program were applied to the pay in full portion of the balance until the balance was XXXX out. However, the credit report shows that this account was 'closed derogatory ' - which is incorrect. XXXX sent a letter saying the account was closed because it was put on a debt management program. Also, the 'latest status ' on the credit report shows 'collection/charge-off '. There are additional comments " charged off as bad debt. Managed by credit counseling ''. The implication is that the balance of this account has been unpaid and was turned over to collections. This is incorrect. I was NEVER contacted by a collections agency. The payments from the debt management program have been made every month, starting XX/XX/2016. The terms of the payment plan were set out by XXXX. The unpaid balance for pay in full balance has been paid in full. For every month that the pay in full balance was n't paid, XXXX applied the agency remittance to that balance, but reported the account as late to the credit reporting agencies. 
Once that balance was paid, the pay over time balance began to get paid down, and is what is being paid now. 
When I contacted XXXX about the status as 'charged off ', I was told that it was because of the late payments reported for pay in full, the account would remain as 'charged off ' until the balance was paid off. 
I have attached some documents : XXXX letter about how they do the debt management program. It states that the account in the debt management plan would not be given a derogatory status if the payments came on time - which they have. The part of the account that was not allowed to be in the program should n't affect the status of the account that IS enrolled in the program. ; there is the letter from XXXX stating that my account was closed because I was enrolled in the debt management program - not due to late payments, as shows up in the credit reports ; there also are statements from XX/XX/2016 that show that every dollar paid for the debt management program was applied to the balance that was NOT allowed to be in the program, until it was paid off ; there is a copy of the pages of the Trans Union credit report about this card. 
The inaccuracies in how this account has been reported gives a very negative assessment on an account that in fact has been getting paid every month on time since XX/XX/2016 when the debt management plan began.
Consumer complaint received 2017-01-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

They never sent me any signed copy of original agreement between creditor or collection agency or send me any proof that they have a right to collect in my state. Also there and hard inquiries that do n't belong to me i have ask for them to be remove for over two weeks
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

I 'm not talking about The active XXXX XXXX account. You know exactly what I 'M TALKING About the closed the one that is closed I 'm looking at the same think that you are Looking at because I have the Equifax credit monitoring service and you see exactly what I see. Send me the info that I requested from you. You sent all this crazy mail to my box if you can send that Equifax why not send the original sign contract that give you the right to report bad info.. You keep saying the creditors I 'm not asking them I 'm asking you something the federal gov put in play to protect people like like Now quick with the XXXX and send it if you have!
Consumer complaint received 2024-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to file a complaint against Transunion for their failure to properly address my dispute regarding inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Transunion via XXXX certified mail, tracking number # XXXX. In this letter, I detailed all inaccurate items and incorrect personal information listed on my credit report. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent bill with my current address. According to XXXX tracking, the letter was delivered to Transunion on XX/XX/year>. Despite my detailed and clear request, I have not received any investigation results from Transunion. The 30-day response period mandated by the Fair Credit Reporting Act ( FCRA ) has now elapsed without any communication from them. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Transunion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as required by the FCRA.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

My wife purchased a condo prior to us meeting and having children, which she used as her primary residence for five years. The mortgage has XXXX separate loans which are serviced ; XXXX an interest bearing note through the bank, the other a XXXX County Housing Authority financed down-payment assistance loan to County-level employees ( my wife was a teacher at XXXX XXXX ). US Bank services both loans. The Occupancy clause of the mortgage note only required 1 year of occupancy as primary residence, which has been satisfied. The down payment loan agreement with the County, separate from the mortgage note, requires the property remain a primary residence. After getting pregnant with our second child, we had outgrown the property and had difficulty with the condo as it is on a second floor. We could not sell the condo as it was seriously underwater, so we continue to make timely payments and rent and maintain the property. The bank has been sending letters threatening foreclosure if we do not reoccupy the property, refinance, or pay-off both of the notes. There is connection in the mortgage note with the Housing Authority loan, and furthermore we have been in continuous and constructive contact with XXXX County officials. They have been aware of our situation and are understanding considering we have been always paying in a promptly manner. XXXX County has indicated that US Bank does not have the authority to enforce terms of the Housing Authority loan, the bank only has authority to service the loan. From our understanding XXXX County is trying to solve the communication situation between the County and the bank. To date, we have received a number of letters, and when we contact US Bank we are provided little to no useful information and have been finding it exceedingly difficult and unnecessarily stressful. We have always paid on time, and felt that renting and maintaining the property was a better option than abandoning the property. We have contact information, as well as numerous correspondences from XXXX County and US Bank if requested. Thank you for your time and assistance.
Consumer complaint received 2016-11-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

I have called my lender XXXX Wells Fargo XXXX 3 times trying to start the process of removing my PMI. They have refused all 3 times to let me do this. I settled on my home on XX/XX/2011. I bought an older home and have rehabbed it so that I know if I had an appraisal I would be well over 80 % equity in my home. They told me that their guidelines require me to have PMI for 5 years and can not have an appraisal done. My PMI is {$100.00} per month and that would make a tremendous difference in my monthly payment. They have refused to send me what their guidelines are regarding these deadlines. I have had another mortgage lender look at my paperwork and there is nothing there that states this. They have been extremely hard to work with. I lowered my home owners ins 2 years ago by XXXX per year and they wanted to up my payment XXXX per month. It took 2 years to get to the right payment. Please help me with this issue. Over 4 years the amount of my PMI to them would be over {$5000.00}. I am not asking them to pay for the appraisal.
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo Customer Service Account : XXXX XXXX XXXX, last XXXX Soc-Sec : XXXX Email : XXXXXXXXXXXX Subject : Two-factor authentication using Text message code sent to mobile phone in USA. 

I am XXXX living in XXXX with XXXX mobile phone number. 

I ca n't use Wells Fargo two-factor authentication without calling Wells Fargo customer service and going through a inconvenient and exasperating I.D . process of giving account & debit card numbers including Soc-Sec number. 

I do n't like giving account numbers over the phone which could have security issues. 

Why ca n't Wells Fargo send two-factor authentication text code to my mobile phone in XXXX? 

Or send text code to my Email address or XXXX XXXX? 

Finally, there must be thousands of XXXX living in foreign countries that have the same problem ( no USA phone number ) as I do with Wells Fargo 's two factor authentication text code online sign in. 


Sincerely, XXXX XXXX cc : Consumer Financial Protection Bureau.
Consumer complaint received 2016-11-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2016, a deposit of {$940.00} from my XXXX pension and {$110.00} from my XXXX XXXX XXXX pension was deposited into my Chase Bank personal checking account. I stopped at a Chase atm at XXXX XXXX XXXX in XXXX, NY to withdraw {$600.00} however the atm was faulty and never distributed the funds. I stood in front of that same atm until the branch opened at XXXX and the Chase representative immediately shut down that very same atm machine. He then called the home office and was advised that the account would be rectified within six ( 6 ) hours. I trusted their word and on XXXX/XXXX/2016, I checked my account via mobile banking only to learn that the funds had still not been credited back to my account as promised. Consequently, I returned back to the same branch on XXXX/XXXX/2016 and the same representative that assisted me on the initial incident date, assisted me again and made a subsequent call to the home office. At this time, my account was credited the {$600.00} ( as a pending transaction ) and the home office representative advised that Chase was having problems with postings credits/debits to accounts and that I would have to wait until XXXX/XXXX/2016 for them to reconcile their books in order for them to make the necessary adjustments to my account. On XXXX/XXXX/2016, my social security benefits {$1600.00} was deposited into my account and on XXXX/XXXX/2016, the pending {$600.00} transaction was deducted again. Once again, I returned back to the same atm branch and a different chase representative called the home office again ( 3rd time ) and I was informed that they would credit another pending {$600.00} until XXXX/XXXX/2016 and if Chase had not reconciled my account by then, the same pending {$600.00} would again be deducted. To present date, I am still fighting to rectify my account since XXXX/XXXX/2016 when I NEVER received the initial {$600.00} withdrawal from the atm and I have incurred numerous overdraft fees as a result.
Consumer complaint received 2016-07-21
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

My wife and I used USAA for a mortgage loan. Due to military obligations I was unable to be with my wife or access to a phone for days at a time. My wife had power of attorney to close of the house. My wife was told by USAA to bring a {$1800.00} cashiers check to closing the day prior. On closing day my wife arrived with the check but was told she owed {$4000.00}. My wife was unable to pay this without consulting me due to the dramatic difference in price she was told. USAA violated TRID by not disclosing final closing cost to my wife until after the time of closing.
Consumer complaint received 2016-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ResidentCollect, Inc. (PA)

I have sent this collection agency multiple letters via certified mail and they have never responded or provided any proof of the alleged debt they are reporting on my credit reports. I do not agree with the amount of the debt owed and i have asked them for an itemized bill of particulars so i could determine how they got to the amount they allege owed. They have violated 15 USC 1692 FDCPA and 1681 s-2 FCRA. A data furnisher is required to respond to a dispute with in 30 days of receiving a dispute. I have sent XXXX letters certified mail and they have never responded.
Consumer complaint received 2016-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (PA)

I had a contract with XXXX. I left XXXX and owed them a balance of {$650.00}. They turned it over to XXXX for collections. I agreed to settle this debt for {$500.00} due on XXXX XXXX 2016 which I paid in full and even have a letter stating that. Now I am receiving calls and letter because XXXX turned in the remaining {$150.00} into another collection agency. XXXX also called me and harassed me and said I owed money. Like I said I have a letter stating the account was settled. I do n't appreciate the harassing calls and letters.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I paid my monthly payment to the credit card company on XXXX/XXXX/2016 through my bank checking! The next month they charged me {$25.00} for not paying my payment! I sent them the statement from my bank showing it went out to them! they credited my account and the next month they charged me again saying they never received my fax showing the proof! I even sent them the proof from my bank showing everything they asked for, they gradated my account again only to add it back in the next month saying they never received the information even though it was sent on there secure server! I just looked at my XXXX statement and low and behold its back on my statement again showing me they have done it again! They sent me an email again with a link to their private server and I have just finished send them the documents again! I thought you might want to look into your records to see if their doing this to other customers as well! In a related matter they ca n't seem to keep my address records straight, we was never receiving our bill in the mail and the always give a different excuse or another
Consumer complaint received 2016-11-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

On XXXX/XXXX/16 XXXX paid off my Ocwen loan. XXXX sent Ocwen {$350000.00}, which left an overpayment of {$5000.00}. XXXX/XXXX/16 I received an email from Ocwen stating " Ocwen received a payment on XXXX/XXXX/16 for the amount of {$340000.00}. '' XXXX/XXXX/16 I checked my Ocwen online account information and it showed the XXXX payment made by XXXX and a " XXXX balance '' under escrow portion, next payment amount, unpaid principal balance and escrow balance. I called Ocwen XXXX, XXXX and XXXX and each time the customer service rep confirmed the amount of my pending refund, but said it had n't been issued because they have to make sure there are no fees owed on my loan before they issue the refund. When I explain my online account information shows nothing owed, they say, per RESPA, they have 30 days to issue my refund. XXXX/XXXX/16 I spoke to XXXX XXXX, Escalation manager and when asked why they are holding my refund, she said " we just have to finalize everything and get approval to send your refund. '' I told her it had been two weeks and my online account shows a XXXX balance owed, so I wanted something in writing, as to why they ca n't issue my refund. She said she would call and ask the payoff Dept to expedite my refund. XXXX called back an hour later and said the payoff dept told her to contact their cashier dept, but she has to email them and they take 3-5 business days to respond to emails, but she will email them daily until they respond. I told her this was unacceptable and asked to speak to someone above her. She said the supervisors were not taking phone calls and it would take a supervisor 24-48 hours to call me back.
Consumer complaint received 2016-07-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STME LLC (OR)

I have signed a contract stating that, the seller of the property I am buying can refuse unreasonable offers, over the specified monthly payment. I have placed my home on the market and am in escrow. I have been told, as well as the title company that the home ca n't be sold, if she refuses. The reasoning is due to taxes that would have to be paid for capital gains. I have consulted an attorney - been advised that this is very close to crossing lines, since the seller is an attorney who is selling homes, loans money, etc. Multiple emails have been sent to the seller, with no response ; until pay off information was requested by title company. I was told that if she knew I was going to end up selling, she would have charged me more to buy the house. I had previously requested a home equity loan, and was given a XXXX separate loan, so I am now paying additional interest on the home. Apparently, because this person does n't want to pay additional taxes, I am not able to sell my home, obtain my equity so I can move on in my life. She is expecting all of the people who are under contract with her company to stay in their for 30 years at a high interest rate, rent the home out, have someone assume their loan, or give the property back, so that it can be resold at a higher rate. The homes are as is, I have found out that there is an oil tank in my back yard that has not been decommissioned, and the house is over XXXX XXXX XXXX, so I am not the first buyer of this property. Also, I have recently found out that paperwork has not been filed, showing proof that I am currently purchasing the property. When I did have someone who was interested in assuming my loan, the current seller wanted to charge me {$350.00} to file the paperwork. According to the title company, nothing has been filed on my home purchase and I have lived in the house, paying taxes for the past 5 years. The list goes on and on.