davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted Transunion, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX about fraudulent accounts that does not belong to me, multiple times. And they have yet to remove these fraudulent items from my credit report. I have filed a report with the police agency and FTC. All the accounts that needs to removed are as follows XXXX  XXXX XXXX XX/XX/XXXX {$720.00}, XXXX  XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX {$350.00}.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX at approximately XXXX I deposited a XXXX XXXX check from my attorneys escrow account into my td bank account via an atm at XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX On Tuesday XX/XX/XXXX I noticed a 7 day hold placed on my check and within a few hours td bank closed my account. I rushed to the nearest td bank which at that moment was XXXX XXXX XXXX XXXX New York XXXX. I sat with in a room with a woman who told me my account is closed and she cant do anything for me. I asked her repeatedly about my funds and she was unable to provide me with any information, details, or next steps. She told me they would mail me my funds. Fast forward to yesterday XX/XX/XXXX. I enter a td bank on my work break twice. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  New York XXXX. At this branch I spoke to XXXX. XXXX referred to himself as the assistant manager. XXXX proceeds to tell me that my account was closed because my attorneys check was bad and theres an ongoing investigation. TD WILL NOT GIVE ME MY FUNDS BECAUSE THEY SAY I DEPOSITED A BAD CHECK. I called my attorneys paralegal XXXX and put XXXX on the phone with her. On my attorneys side the money has been WITHDRAWN. In my attorneys account they see my signature aswell as the check deposit into MY TD BANK ACCOUNT. TD BANK has my funds from the check aswell as previous funds from direct deposits from NEW YORK STATE UNEMPLOYMENT. TD BANK IS HOLDING MY FUNDS HOSTAGE, AND HURTING MY CREDIT SCORE. I have a td avant- loan that has been on autopay for years. On XX/XX/XXXX the autopayment was due, once td bank closed my account the auto payment was stopped now td bank avant calls me twice a day regarding the payment. The associates XXXX at td bank refuseD TO even give me documents to provide stating the status of my account and the hold of ALL OF MY FUNDS. TD BANK IS TRYING TO DESTROY MY LIFE.
Consumer complaint received 2019-03-23
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (FL)

i am file a complinat against jp morgan chase bank for file inaccurat report on my wife and my check account with the number isXXXX a account that we have has over a number of year. a credit agent XXXX consumer report agency XXXX XXXX  XXXX XXXX fla.XXXX. the infomation that they release to the XXXX XXXX the decline based these factor on unacceptable bank account history and unacceptable bank account acivity. this is a critcal issue in a finacail live '' this a consequence. my wife and i never missed used any bank account please check with XXXX XXXX agency. there is evidence demonstrate how XXXX XXXXonsumer report agency misrepresent customer account. this information is false and inaccurate that they has. and it need to be correct now. they just get sue for over XXXX XXXX by the government
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (FL)

I collections from Caine & Weiner Company for a XXXX account that I never had. I have also had XXXX and is confused as to why they are reporting to the bureaus falsely. I want this removed as soon as possible as it is making it difficult for me to purchase my home. I called XXXX and they couldn't provide me with any information has to whom opened the account or even go back to listen to the calls. I do not owe {$890.00} for account number XXXX that was opened XX/XX/2020.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (VA)

I opened a new account after seeing multiple advertisements of {$400.00} bonus for opening a new account and making {$1000.00} in direct deposit. 

The offer said that I had 90 days to meet the requirements of the bonus offer and even offered a negative balance buffer ( advertisement attached ). They misled me into making the transactions I made with their advertisements and then took the bonus opportunity away by checking my account for eligibility at the exact time it was fit for them to not give me the bonus. All while promising 90 days to meet all eligibility criteria. 

I completed the required activities but the bank denied my bonus by checking the account for bonus eligibility on the day it was not ready. The bank has provided bonus to accounts of my friends when they didn't have any balance for the first few days but later did - the same situation as mine but the checks on the account happened on a different day. 

The bank 's customer service representative XXXX himself agreed with me on the chat that I should have had 90 days to complete the requirements for the bonus ( chat attached ).
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2017-12-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (NJ)

I filed the complaint with the same company in XX/XX/XXXX (Complaint number: XXXX) and reached the agreement to pay monthly mortgage at the amount of $XXXX. Last Friday (XX/XX/XXXX), I received the letter (Attached) from the mortgage company saying that they are going to increase the monthly mortgage from  $XXXX to $XXXX effective XX/XX/XXXX. I really don't understand why they are doing this again when we have agreed for the monthly payment at the amount of $XXXX with CFPB's help in last XX/XX/XXXX. I don't have any late payments with them. For me, there is something wrong with their system or they are doing this on purpose(?). I really don't get it and it's so stressful for me receiving this kind of letter time to time from the mortgage company when I make the payment on schedule all the time . Can you please help me with this issue? Thank you!
Consumer complaint received 2023-05-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (FL)

Re : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, VIN # XXXX ; Ally Financial Inc. ( Ally ) To Whom It May Concern, I am making a complaint about the loss of my subject vehicle that I suffered on or about XX/XX/XXXX due to Ally Financial Inc.s negligence XXXX Ally caused me and my two children, XXXX  and XXXX XXXX, to lose permanent possession of my XXXX XXXX XXXX, sustain derogatory credit reports due to Ally Financial Inc., who financed the subject vehicle, placing a past due balance of {$26000.00} on my credit reports which has prevented me from getting another vehicle, severe emotional distress, pain and suffering from not being able to engage in normal day-to-day activities and being forced to ride on buses and rideshares, and financial distress due to having to rent cars costing me in excess of {$13000.00}, when XXXX XXXX XXXX XXXX XXXX XXXX sent the tow truck company XXXX XXXX XXXX XXXX XXXX owned by XXXX XXXX XXXX who has a criminal history involving stolen vehicles I later discovered, to tow my vehicle on XX/XX/XXXX after I had called XXXX Roadside XXXX XXXX XXXX XXXX, who I relied on to send trustworthy tow trucks and drivers but who failed to do so, to tow my vehicle to XXXXXXXX XXXX XXXX XXXX XXXX  due to my vehicle being flooded during a state of emergency caused by Tropical Storm Eta. XXXX XXXX lied to me that he could not tow my XXXX  to XXXX XXXX and had to instead tow my Jeep to The XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL, which is also owned by another criminal, which I later discovered, who prevented me from towing my Jeep to XXXX XXXX the next day on XX/XX/XXXX by presenting me with an outrageous bill for {$2200.00}, which included a {$680.00} tow charge from XXXX XXXX even though XXXX XXXX paid him for the tow from XX/XX/XXXX. XXXX got paid for the tow to XXXX XXXX even though he did not tow my XXXX there and he attempted to get paid in duplicate by XXXX and me by attempting to scam me out of {$680.00}. XXXX ( dob XX/XX/XXXX ) also filed for bankruptcy and listed me as a creditor but I wont get a cent from him because he stole {>= $1,000,000} in tow trucks from XXXX XXXX that he also defrauded. I was not able to pay the {$2200.00} trumped up bill and The XXXX XXXX XXXX XXXX XXXX XXXX was able to fraudulently sell my Jeep on or about XX/XX/XXXX because Ally Financial Inc. without contest or objection relinquished their first lien position on the title of my Jeep but still charged me {$26000.00} on all my credit reports, and I and my 2 children have been left without a car for almost 3 years and have suffered dearly without our XXXX. 

In conclusion, I demand to be vindicated. 

Time is of the essence. 

Sincerely, /s/ XXXX  and XXXX  obo XXXX and XXXX  XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I am the Executor of the Account in Question : originally I was told it would take 30 days to close this account. The explanation given was : " our backroom processing was behind in the closing processes ''. This was XX/XX/23, I explained to the Bank Officer/Notary that the account was only earning .10 % with an amount of {$180000.00} and the beneficiaries would like to have the money in a higher earning account. She said she would push the process along and we could expect the check in about 3 weeks. XXXX XXXX XXXX was the Officer. I called the Cust. Service number and went thru the entire process with another person for over 45 minutes. She said that the paperwork was misplaced and she would get it processed asap. ( XX/XX/23 ), our line was disconnected and I never heard back from her. XX/XX/23, still haven't rec 'd funds! Called a branch in XXXX, spoke with a wonderful banker there, XXXX, she told me that the branch dept. still hadn't processed our claim. XXXX was very helpful and assured me that she would personally finish this transaction and send the funds asap. After having spent 26 years in Banking myself, I find that the initial Banker involved should have taken the same tact and followed this request with the same attitude as XXXX. XXXX if you have questions!
Consumer complaint received 2017-12-01
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. (WI)

I have recently reached out to Transunion to add a fraud alert on my credit report due to the following reasons Unauthorized Credit Inquiry ( s ) I am XXXX them to inform that the hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within their consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. 

Since I never gave permission for anyone to inquire about my Credit Status, they are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX  Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX  XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 

This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my 3rd complaint after not getting results. After the 1st complaint, CRA 's claim a thorough investigation was done. I do not see how with some many inaccuracies still listed. Date opened, Date last reported, addresses that never belonged to me, duplicate accounts reporting more than once that shouldn't be there at all.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 an account without my written instructions. 
after my second complaint was told I did not present enough evidence. It was hard with XXXX XXXX from a car accident that I wouldn't of been in if my report was fixed and I didn't have to buy a used {$1200.00} car with bald tires. It is ridiculous the responsibility these companies have and do not take seriously. They ruin lives. People must find time in their busy lives to go after the CRA for not following laws. 
While trying to upload my credit report I marked violations on it as too large of a file. But every I want to print my report I have to print 50-60 pages and it's still hard to read. Probably a purposely done deterrent. I had to separate my credit into 6 different scans so files weren't to big. Ridiculous!
Consumer complaint received 2023-05-17
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. (IN)

I have requested incorrect information to be verified and proof of the verification process 3 times. I have asked for information to be corrected 3 times by certified mail. The information is still incorrect and still comes back verified. This is my final attempt to correct such inaccuracies before I take legal action.
Consumer complaint received 2017-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (HI)

SLS Account # XXXX My loan was recently transferred to SLS from XXXX as of XX/XX/XXXX When I received the notice ( received the date the note payment was due ) SLS said there was a payment past due, and the loan was one month in arrears. ( no sure notice came form XXXX previous to this ) I called and asked them what month, and at 1st she said XX/XX/XXXX .. I provided her with the Canceled check number for the XX/XX/XXXX payment, and her response was " well, I do n't know then, our records only go back to XX/XX/XXXX ; it must have been before that then '' I recently came out of a 5 year Chap XXXX BK which was satisfied and discharged in XX/XX/XXXX ; this would mean all payments were satisfied and the accounts current. 
I missed no payments during the 5 years nor since the discharge. SLS could care less and worse are unwilling to even review the case ... My payment is approx. {$3300.00} and I mailed my XX/XX/XXXX check for {$4000.00} requesting the additional to principle.. they cashed the check and their new XX/XX/XXXX statement said I am 2 months behind YIKES this is SCARY ... What are they doing with my money??. It is impossible to reach anyone there for a intelligent discussion. I requested 5 years of payment history from the previous servicer, XXXX and have this to send to SLS ... But, no idea where to send it ; How is it legal that there is no accounting and they can just say " you are behind but we have not idea when '' even though the courts and XXXX ageed the account was in full compliance? can someone call me please.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AZ)

I was going to take some LIVE TRAINING with XXXX XXXX, a.k.a XXXX XXXX, I was told I would get 5 days of DVD 's to review before the LIVE TRAINING takes place... I used PayPal Credit Card for this trains action.. After making the payment I seen that something was going on that the money want to XXXX XXXX and NOT XXXX XXXX I found out due to fraud that he cant use PayPal and is using other peoples names to do transactions.. 

At this time after him giving me two days of links to videos are not just videos of him videoing a tv screen.. nothing with training... I asked to cancel the deal.. he could not give me 5 days of DVDs and then he said he cant do the 5 days of training after I got hotel rooms and everything .... I contacted PayPal credit card but I was told that he give them proof so I can get a refund... 

f you do a search you can see so many fraud cases with him and so many of them still in court! 

https : XXXX
Consumer complaint received 2023-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (OH)

I'm enrolled in the PSLF loan forgiveness program. I've met the 120 payments which make my loans eligible for forgiveness and discharge ; however, when I call to check the status of the loan discharge date, the representatives do not have much information and, quite frankly, read from a prompter and don't address the original call. Also noted is that I've received multiple duplicate letters, one on XX/XX/23 and one on XX/XX/23, stating that I've met my 120 payments for two loans.

The duplicate reviews without a set discharge date is concerning because it pushes my waiting period out each time a review is completed without the actual discharge being done. I'm finalizing a refinance on my home, and the lender is requesting the expedited discharge of the two qualified loans to get approved for the refinance loan. If this PLSF loan discharge does not happen in the next two weeks. We lose our home. 

XXXX XXXX XXXX XXXX : XXXX Birthdate : XXXX
Consumer complaint received 2023-05-17
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)

Requesting XXXX to Restore my points between XXXX XXXX thru XX/XX/XXXX, totaling.XXXX.Reqesting TransUnion to Restore my Points between XX/XX/XXXX thru XX/XX/XXXX XXXX have been XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot ; goodwill & quot ; adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced account that dates back to XXXX. Since that time I have been in exceptional customer paying every month on time. because of my exceptional history over the last two years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX, XXXX, TransUnion and XXXX is willing to work with me on erasing this mark from my credit reports. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. with todays credit industry so competitive, I know how important it is to maintain good relationships with customers.XXXX  XXXX has been exceptional in my book so far, and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest.I look forward to your reply.
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (LA)

After multiple attempts to resolve an issue with a gym membership, my information was sold to Aldous and associates have stated I owe a balance and have not contracted with this company. 
Aldous and associates have obtained my personal information from a company without consent of the consumer in order to sell personal private information in order to ruin my financial reputation. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a XXXX form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records.