davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account XXXX : XXXX
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

I have disputed the bankruptcy listed on my credit report with Equifax. My information has been suppressed with XXXX since XX/XX/XXXX but they send me correspondence stating they have verified with XXXX. I requested a copy of my XXXX report which is dated XX/XX/XXXX. I received a document from Equifax dated XX/XX/XXXX that they verified the bankruptcy again through XXXX even after I provided them a copy of the report stating no bankruptcy records.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2015-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I have been working trying to keep my home for the last 6 to 8 yrs. It all started when my husband became ill, I had XXXX children in college. I went into bankruptcy and came out and asked for a modification, they took about {$10000.00} and the bank Wells Fargo decided I did not fit into their program because I made about {$85000.00} a year which was too much money. I had lawyers I have made payments every month and they took my money even through I was told after I made a company do research they stated my deeds, XXXX Mortgage had not turned over the paper work correctly to Wells Fargo and they have no deeds to the property. The lawyers did nothing and in fact one of the lawyers went to jail for Fraud Wells Fargo had hired to do their mortgages for XXXX XXXX. I been to court several times, the judge throws the case out asking the mortgage company to negotiate and they never do. Here I am again 2015 with the same issue with Wells Fargo stating I need to sell the home because I make too much money to fit in their program. I need help, I do not believe Obama put these rules into place for the middle class to suffer. All I want is they need to put the arrears in the back, bring the house value down to what it is worth and restart my payment.. The only reason it has been in arrears the last few years they refused to accept my payments.
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been attempting to sell my home through the Short Sale Process and Wells Fargo is not bargaining in good faith. I have an ALL CASH BUYER who is willing to payoff all the liens on the property. They have responded that it is in a ( Fourclosure status ) but they do not have a ( Sale Date ) for the auction. I am requesting that Wells Fargo re-open the Short Sale Process and bargain in good faith. They are also stating that they can not approve it because it is and ( FHA ) mortgage which makes no sense.
Consumer complaint received 2024-08-29
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-03-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I applied for a modification. I was denied based on Debt to Income Ratio and my income was not high enough. The data used by Wells Fargo is old and is not my current income. They have documents that are 5 months old. 

I am making a considerable amount of money since that last data provided. The appeal form was sent in and I have not heard from anyone.
Consumer complaint received 2016-11-28
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (NY)

I knew I would not have enough money to pay off my credit card and my monthly rent, so I made a payment to my Wells Fargo credit card for nearly 4 times the minimum due payment. This payment was from my Wells Fargo checking account. The very next day Wells Fargo decided to auto-draft a payment of {$1000.00} from my checking account. I cancelled the auto-draft a month earlier, specifically because they kept on taking huge chunks of money from my checking account. The auto-draft came out of my checking account, which only had XXXX dollars in it, so they then charged me a {$35.00} fee. So now I 've got a XXXX plus XXXX dollar debt on my checking account. Then had the nerve to tell me that they did me a favor by completing the auto-draft transaction -- which is why I was charged the {$35.00} dollar overdraft. Otherwise, the payment ( that I did not want or authorize ) would have bounced! Which is insane, because there was no payment due. I called the bank and explained the situation and they told me it could take up to two billing cycles ( up to 60 days ) to reclaim the money that they stole from my checking account. I 'm currently awaiting the " reversal '' to be researched and processed. THIS IS COMPLETE NONSENSE. I went to the bank, to speak face-to-face with a personal banker. She explained that my only options included waiting, taking out a personal loan, taking a cash advance from my credit card, TO COVER WHAT THEY STOLE FROM ME. At that point I walked out, red, and infuriated. I ca n't believe that this bank would steal my money, hold it hostage, charge me fees, then offer me a loan to cover what they took from me. I can not pay my rent. This is shameful and disgraceful. Once I am made whole, I will have to find another financial institution. It is my hope that someone out there actually respects the fact that these numbers they play with on a daily basis, are attached to real people, with real obligations.
Consumer complaint received 2016-09-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A. (IN)

I never had an account with Citibank for student loans. There was someone else that opened up accounts in my name and I did not receive any benefits from the loans. None of the money went to my college, for my degree. Now, Citibank keeps bothering me and taking me to court. This is embarrassing because they keep sending court documents to my job. They froze my bank account XX/XX/XXXX to XX/XX/2016- when I had the issue resolved in court. They froze my account again on XX/XX/2016. They will not answer my calls, emails or fax. The only time I was finally able to talk to someone XX/XX/XXXX, the woman cursed me out and hung up on me. I never had an account with them and they keep making up this this {$10000.00} plus amount. I have sent several letters to them via mail, fax and email and they will not respond. I can not take care of me and my baby because they keep freezing my account, whenever they feel like it. This account is not even on any of my credit reports and I check several times a month. They refuse to tell me how I received this balance. They are very rude. They sent this issue over to XXXX XXXX attorneys. I am very upset about this issue.
Consumer complaint received 2024-08-29
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. (MD)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-10-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (ND)

I went to a car dealer to get a car and they got the financing through a bank. I made over 20+ payments on the car and the finance company said I still owe more than what the car cost, its as if no money was made towards the cost of the car. I ask for a copy of my contract and full a full disclosure and they did not respond to my request. They claim that I was late on my payments. About two weeks later my car was towed or should I say stolen by a debt collector and no one ask me or said anything to me. I went to the parking lot to use my car to pick up my son from school and it was not there. When I called Santander Consumer USA they told me a debt collector came and took my car. That 's how I found out what had happen to my car. I have a list of questions to be answered and documents to be sent to me. ( 1 ) Credit Application ( 2 ) All accounting for the transaction ( 3 ) Full Consummation ( 4 ) Was there a Credit Sale? ( 5 ) Was all disclosure given based on Truth in Lending? ( 6 ) Was there an advance given to the dealership? ( 7 ) What was it/how much was it? ( 8 ) Who is the Creditor? ( 9 ) Who is the Seller? ( 10 ) Who is the Purchaser? ( 11 ) Who extended credit for the transaction. Any document sent to me must be Loan Level documentation.
Consumer complaint received 2024-08-29
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. (AL)

I am writing to urgently address the disputed accounts on my credit report. Despite multiple requests for investigation into the inaccuracies of these accounts, I have yet to receive any resolution or corrective action. These erroneous entries are severely damaging my credit file and significantly impacting my daily life. 

The ongoing issues with these inaccuracies have caused substantial hardship, and I must now request your immediate assistance in resolving this matter. I urge you to conduct a thorough investigation of each disputed account and take prompt action to update and correct my credit report. 

Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial situation. I sincerely ask for your swift attention to this issue and appreciate your cooperation in resolving it as soon as possible. 

Thank you for your understanding and prompt assistance.
Consumer complaint received 2017-02-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On XXXX XXXX I requested a 10 day pay off letter from credit acceptance so I can refinance our car. At that time the payoff amt was XXXX, it expired. Today I call for a new letter now the payoff amt is XXXX. How can the payoff amt go up when a payment was made in XXXX 2017 XXXX???
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (AZ)

I had a month-to- month gym membership with XXXX at XXXX. I was moving to XXXX, and was told by two Managers that all I needed to do was submit a letter stating I needed to cancel. My membership had no contract but I did sign up for personal training and had a contract for that. They said it applied to both. I submitted the letter to XXXX with the date of XX/XX/2016 stating I was cancelling and did not authorize any more charges on my debit card. Come XX/XX/2016 they charge me the personal training fee 's of {$670.00}. I called Citibank and disputed, furthermore I had lost my debit card. So how was the {$670.00} charged? Citibank opened the dispute case and gave me a provisional credit of {$670.00}. I had n't heard from Citibank until XX/XX/XXXX, they sent me a letter stating to send my letter of proof that I cancelled. So I did send the letter. Now a month later, Citibank has reversed the credit of {$670.00} stating my proof was not enough. First, that charge was not authorized, second my card was stolen, is n't that Fraudulent on XX/XX/XXXX part, and third is n't Citibank supposed to notify me in writing that they found the charges valid and would be reversing the transaction?
Consumer complaint received 2017-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (UT)

My complaint is kinda XXXX parted. I first fell behind on my mortgage payment about a year ago. I received a chance to modify my loan, and I did qualify for the modification. I was put on a trial payment period of XXXX months. I made the payments and then received the documents to start making my regular mortgage payments. I signed the documents and sent them back. I then awaited my information on my new mortgage. The next document I received was from a law firm saying that foreclosure proceedings would start. I contacted my lender and they said they had not received my documents. But my lender had not tried to contact me in any way, to tell me that. I then had to file bankruptcy to stop the foreclosure. 
I then started yet another modification with the same lender, I went through the process with them and was told I had qualified and my representative XXXX would be sending me the info on yet another trial period. A week or so went by and I did not receive anything, so I tried to contact my representative and was told she was on leave and only she could send me those documents. By that time I had missed my first trial payment and my home would be put in foreclosure again. So at this point I have to try and modify my home yet again.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a chapter XXXX bankruptcy in XXXX of 2015 and it was discharged XXXX of the same year. 

Bank of America has continued to report the account as open with a late payment. They have completely ignored the bankruptcy discharge.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 reported to be removed.

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 21 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 21 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! 


Delete the late payments from my consumer reports
Consumer complaint received 2016-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc. (CA)

Originally I purchase car insurance from XXXX, I was late on a payment in 2015 and they cancelled my policy. Because they did not accept any on line payments it was difficult to get the payments in as I had to go to a location to pay my monthly payment as I did not have a checking account at that time. I went to one of their locations and they refused to reinstate my policy, yet they were insisting that I pay the full premium left for the remainder of the year. I would not and got insurance through XXXX XXXX XXXX which I continue to have. XXXX or XXXX called me several times to insist that I must pay the full year premium under their supposed disclosure, whilst not providing insurance. This was back at the through the end of last year and further they are stating that it is current. Since insurance was paid for in advance and when they cancelled my policy it was for coming month, not for the month that had passed. The crux was that while they refused to reinstatement, they insisted to collect the entire annual premium let. Something I believe to be very wrong, especially since I had to obtain insurance from another company. This collection and negative listing on my credit report is extortion and an attempt to damage my credit score which is hurting my ability to qualify for a mortgage loan which I am in the process of obtaining. I truly appreciate your efforts and services as it allows for consumers to be protected from fraud and extortion. 

Thank you very much, XXXX XXXX