davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-08
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)

Subject : XXXX XXXX TransUnion for Violation of XXXX XXXX Code XXXX ( XXXX ) and Failure to Remove Inaccurate Account Information Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following XXXX reinvestigations, which is in violation of XXXX XXXX Code XXXX ( XXXX ) the Fair Credit Reporting Act. 



Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$170.00} Despite providing clear evidence of the inaccuracies in the above-reference account and requesting its removal from my credit report, TransUnion has XXXX to comply with the law and has retained the inaccurate account information. 


The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within XXXX business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of XXXX XXXX XXXX XXXX ( XXXX ) and has caused me financial harm and distress. 


I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 

Thank you for your attention to this matter. I look XXXX to a prompt resolution and your assistance in rectifying this issue. 


Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-11-08
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)

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681 ( 5 ) the Fair Credit Reporting Act. 



Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$170.00} Despite providing clear evidence of the inaccuracies in the above-reference account and requesting its removal from my credit report, TransUnion has XXXX to comply with the law and has retained the inaccurate account information. 


The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.

Thank you for your attention to this matter. I look Forward to a prompt resolution and your assistance in rectifying this issue. 


Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CA)

I was approved for a car loan for a XXXX XXXX XXXX in XX/XX/2015 from a financial service named WestLake Financial Services, the address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have already paid over {$29000.00} and still owe over {$17000.00}. I have ask the company to renegotiate the contract but they refused. I know that they are illegally over charging me on my car loan because if I pay off this car loan I would have paid {$46000.00} for a used XXXX XXXX XXXX. Can You Help?
Consumer complaint received 2018-05-02
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: Experian Information Solutions Inc. (GA)

On XX/XX/2018 I made submitted a dispute via US mail on two accounts on my personal credit report. The invalid nature of the accounts that were reported in direct reflection of FCRA section 605.B and 611 along with supporting documentation validating my identification and the incidents that led to the invalid account postings. 
Please assist me in enforcing the blockage of these invalid accounts as they are hurting the financial well being of both my personal and business life. The accounts question are as follows : Bankruptcy - XXXX XXXX XXXX XXXX Thanks
Consumer complaint received 2018-05-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (WI)

We are filed a Chapter XXXX bankruptcy. During the bankruptcy our mortgage company freedom mortgage refuse to talk to our attorney is at XXXX XX/XX/XXXX XXXX law offices. Once we discharged they spoke with us and for the last seven months weve been going through loss mitigation. They keep denying us due to lack of information. And when we appeal that they state that they didnt receive some forms which we have sent so weve been going back-and-forth nonstop and now theyre telling me that the forms that we filled out our from XX/XX/2015 and are no good. But they are the farms that they kept sending us. I feel as if they are prolonging this issue so they can put our house on the foreclosure and I would like some information on how to stop this
Consumer complaint received 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP (NY)

We started with XXXX XXXX, then XXXX XXXX and now Selene Finance. 

We have submitted so many documents to XXXX XXXX, We submitted so many packages to Loan Care and thought we were in the final stages of getting a loan modification with a sizable down payment and then we were notified that the loan has been transferred to Selene Finance. 

Selene Finance does not want to hear anything about what was sent to XXXX XXXX  before they took over my account. 

I have also received a Summons & Complaint to foreclose on my home. 

We submitted documents to XXXX XXXX on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX We received a confirmation from XXXX XXXX Customer support acknowledgment from XXXX XXXX with Ticket # : XXXX Then more requests on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Missing documents and request for a new RMA. 

We have started over so many times with XXXX and now Selene claim they do not see my application from XXXX XXXX and I received a Summons and Complaint Please help!
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The errors on my credit report significantly impede my financial freedom. I continue to face rejections for new credit applications due to these inaccuracies. It is incredibly frustrating that my consumer rights are being violated in this manner.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I send a letter to the court house record clerk on how do they verify records with the credit reporting agencies .and they send me a letter that says the courts do not verify information directly with the credit reporting agencies I sent a copy of this letter to all three credit agencies and XXXX XXXX deleted this off my report .but XXXX and Experian would not deleted the / USBankruptcy dismissed /XX/XX/2013 I have sent them four letter to delete this item
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (SC)

I recently applied for a car loan and was denied due to a negative reoort from sage stream llc. XXXX had my score at XXXX and sage stream said it was XXXX. Cause I had limited history at this address and phone ( I've lived here for XXXX yrs and had the same phone for XXXX yrs ). To many delinquencies ( I have 1 that is 2 yrs old ). In order to ask them to look into this I have to send various forms of US. I do not feel comfortable doing this with an un known company that's seems to be a scam to raise your interest rates.
Consumer complaint received 2018-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NJ)

I made a deposit in the amount of {$1100.00} dollar on XX/XX/XXXX that was supposed to be put into my Savings account. I filled a deposit slip out and informed the teller that I did not know my account number. I received notification of account activity and proceed to find that funds were missing from my Reserve account with PNC. After further investigation, I found that the writing on the deposit slip with account number were not my own hand-writing. The teller took the liberty to fill out the deposit slip account number without my consent and put the amount into the incorrect account. Resulting in the amount being placed into my checking account without my knowledge. 

I contacted PNC Corporate on XX/XX/XXXX, when the issue came to my attention. I spoke with XXXX, XXXX and XXXX XXXX in the retail relations. They informed me that issue would be risen to the branch manager and the teller would receive coaching. I do not feel that this is satisfactory.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AL)

Last spring I needed to check my credit score to get approved to rent an apartment while at college. I was told that experian gave a free, one time report which was all I needed. Nowhere that day did I want to become a member, especially since I was unaware they were extracting {$24.00} a month for an account I had no idea was running. Very rarely do I check my credit activity because I don't use much banking. Recently, I got recent credit activity and they've been taking that {$24.00} a month since last XXXX. I've tried countless times to cancel my account and they have never gotten in touch with me.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NH)

On XXXX - My bank issued a payment in full of XXXX to my credit card company. 

The check was cashed on XXXX. 

I have contacted the credit card company NUMEROUS times because the payment has yet to be credited. The company has created numerous tickets, expedited my case, and yet I get no response, no call back. Last Ticket Number is XXXX and prior to XXXX XXXX The credit card company took an autopayment from my bank. 

XXXX The credit card company applied an interest charge of XXXX I have been calling, calling and calling the credit card company, they place me on long holds, transfer me to the wrong departments and this has continued up to the time of this writing. 

I sent an email to the cc company with dates, check number and amount. I asked for a number or email address to send a copy of the cleared check. The email response from the cc company is ..... 

" In order to provide you with the most individualized service possible, we ask that these requests be made through our Customer Care Department. Please contact us at XXXX. Our agents are available 24 hours a day, 7 days a week. We apologize for any inconvenience this may cause. '' I have a letter from my bank that issued the check for XXXX, with front/back copy of the check. I don't know what else to do. The company is not at all helpful
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NY)

I had to file chapter XXXX bankruptcy in XX/XX/2019, as a result my loan account with money lion was closed as of XX/XX/2019. Company refuses to acknowledge that this account was included in filing of Chapter XXXX and continues to report the account as open on my Credit reports and they still attempt to collect on this account. I have contacted them directly to no avail I have written letters, filed disputes with the credit Bureaus and they keep reporting the false information as accurate even though when I view my account status it is showing as closed-paid in full. They also refuse to notate the account as included in Chapter XXXX.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have been trying for over a year to dispute two accounts from XXXX. One is from XXXX XXXX XXXX  I have submitted documentation to them proving this was paid in full by my insurance before the creditor had the account. They have opened and closed my dispute as little in 10 minutes without reviewing my documentations. The same has happen with XXXX XXXX XXXX reported in 2017, my deceased finance opened this account without my knowledge I contacted the creditor and told me I wasn't liable. I'm no longer allowed to dispute this two accounts from XXXX,
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation (CT)

Beginning about 6-7 months ago, I have received at least 10 debt collections notices ( amounts ranging from {$17.00} - XXXX ) from a company claiming to be TRS Recovery Services, XXXX XXXX XXXX XXXX, XXXX, Georgia, for individual/on-going purchases made at XXXX XXXX, allegedly by me. With the exception of today, prior phone calls to TRS ( XXXX ) were automated and took me around in a circle. Upon receipt of the initial demand ( approx. {$40.00} ), I contacted XXXX ( who advised me that there was no activity on my account since 2017 ) and froze my account ( today I cancelled it ). Per info on the back of the collection notice, I emailed a dispute to TRS as these purchases were NOT made by me. TRS mailed me a " TRS Forgery/Identity Theft Declaration '' requesting my social security number, bank account numbers and photocopy of my state issued drivers license ( I did NOT fill out this form or give any information ). Today I contacted XXXX again, who verified that my account is closed and that there has been no action on my account since 2017. I also called TRS and was actually able to speak to a human being. The man told me I needed to dispute the charges and send in the theft declaration. I refused, telling him I made no such purchases. I demanded the name of the financial institution tied to the fraudulent checks being sent to XXXX in my name. He told me XXXX XXXX with the last four digits of the checking account being # XXXX. I called XXXX XXXX Fraud Unit, who confirmed that I do not have/nor have ever had a checking account or any type of account with their institution. The XXXX XXXX fraud investigator suggested I contact the Federal Trade Commission, who subsequently referred me to CFPB.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I requested to cancel flights that I booked through Chase Sapphire Rewards using points. The XXXX flight was going from XXXX to XXXX, XXXX on XX/XX/XXXX and returning XX/XX/XXXX. The flight was booked as two separate flights instead of one roundtrip, so XXXX cost {$120.00} or 8,382 points, and XXXX cost {$110.00} or 7,428 points. 

The travel agent on XX/XX/XXXX only canceled one leg of the flight, despite my request to cancel the entire trip. Because the Chase travel agent did not cancel the second leg, I was marked as a " no show ''. More background is that during this entire time, leisure travel between the US and XXXX is prohibited, so it was not possible for me to take this vacation. 

Previously, XXXX 's policy was to issue travel credit for unused tickets, which I had one of ( the non-no show leg ). As of today, XX/XX/XXXX, they are now issuing full refunds for flights. I was informed by XXXX that I had to go through Chase to get my refund. I got the refunded points credited to my account for the first flight but not the second. I find this extremely unfair, given that I had very clearly asked that my entire trip be canceled, and the agent failed to cancel both flights.
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX I sent in a check for {$10000.00} to completely pay off my credit card. At that time. The account showed a negative balance of {$420.00}. 
IT IS ILLEGAL TO ADD CHARGES TO A CREDIT CARD AFTER THE CARD HAS BEEN PAID OFF!!! 

AFTER THE FACT, on XX/XX/2019, Chase decided to charge a {$75.00} interest fee ... AFTER THE CARD HAD BEEN PAID OFF 100 % on XX/XX/2019.
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

I XXXX XXXX and my Power of attorney went to my Bank ... Chase and asked to withdrawn {$100000.00} ... The person we spoke to asked for Id 's from both of us then went away and came back and asked my Power of attorney if we were sending this money to the XXXX XXXX and if not was the money going over seas??? Her name happens to be XXXX XXXX!!! She said absolutely not and that she did not know anyone overseas or in the XXXX XXXX. He said that the bank did not have this type of cash on hand and that it would have to be ordered. This was on a Monday so we asked how long it would be??? He said next week some time. We asked why so long and he said to make sure this is not fraud!!! So we left and decided in a couple days that really if it was such a big deal maybe we could just get {$50000.00} ... so we returned to the bank two days later and asked for just {$50000.00}!!! Thats when we were informed that all the five accounts had been frozen and that they did not know why and it was out of their control at the bank level!!! The bank manager XXXX XXXX told us this. He gave us a number to call if we had any questions ... The name and number is XXXX XXXX XXXX ... J P Morgan Chase Global Security Investigations. This has been a month ago!!! We have tried and tried to reach this person but he has never returned our phone calls!!! And we have never til this day received any paperwork in the mail with an explaination or a phone call from this person or Chase Bank located at XXXX XXXX XXXX ... XXXX XXXX Michigan XXXX ... Phone # XXXX. Each time a dozen times we have went to the bank for answers we're constantly being told they don't know anything and can not help ... sorry!!!
Consumer complaint received 2018-05-02
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. (MA)

XXXX XXXX, XXXX amount of {$7700.00}. I have disputed and sent XXXX, XXXX  and TransUnion copy of court document showing that case under XXXX XXXX, XXXX was dismissed and I am to pay nothing. I also sent a police report
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I have had a Wells Fargo account for over 25 years. Recently I was notified that, without my permission, my account was " upgraded '' and if I did not keep {$250000.00} on deposit, I would start to be charged monthly fees of {$35.00}.
Consumer complaint received 2019-11-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (SC)

I have a mortgage with Ditech. In XXXX of 2019, I was approved for a modification and placed on a 90 day trial which I completed. Once completed Ditech informed me that they would send out a notary to complete modification process. That did not take place. Ditech has now sent a letter to me resending modification because I have a line of credit with XXXX XXXX XXXX XXXX. One loan  has nothing to do with the other. Now Ditech is asking for a lumpsum payment to prevent foreclosure. Having an FHA loan qualifies me for several modification options including partial claims where a one time claim is filed for the insurance fund to pay delinquent amounts to bring my mortgage current. If approved I am responsible to pay amount back to FHA if I sell or refinance house. Ditech is refusing any assistance to force me into foreclosure. They are asking for the lumpsum of {$10000.00} by XX/XX/2019.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

To who it may concern : XX/XX/XXXX My name is XXXX XXXX. I had an account with XXXX XXXX XXXX XXXX for a couple of years and I paid it off on XX/XX/XXXX, in full. 
This account continues to damage my credit however. It is reporting as negative and that it was opened or closed on XX/XX/XXXX which is incorrect. 
I lost my job during which time I was late on a couple of payments. I always called and stayed in communication with the company and eventually paid it off. I was told at the time that it would not affect my credit and I believed them. 
I initially purchased my car in XX/XX/XXXX, yet this is reporting negatively to this day. It has been 9 years! 
Please help me. I need the account to show in good standing. There is an error in the reporting. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX