davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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. (CA)

Escalation of Unresolved FCRA Violations by Transunion - Third Notice I am filing this third complaint against XXXX for their continued willful non-compliance with the Fair Credit Reporting Act ( FCRA ). This complaint follows two previous unresolved complaints : 1. Initial complaint # XXXX submitted on XX/XX/year> XXXX. Second complaint # XXXX submitted on XX/XX/year> Nature of Complaint : Transunion has demonstrated a pattern of non-compliance with FCRA requirements by : 1. Failing to respond within the mandatory 4-business-day timeline to block disputed items as required by FCRA 605B ( 15 U.S.C. 1681c-2 ) 2. Ignoring multiple FTC Identity Theft Reports ( Numbers XXXX, XXXX, XXXX, XXXX ) 3. Failing to conduct the required reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ) 4. Not providing the legally required description of their verification procedures under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) 5. Maintaining disputed information without proper verification, in violation of FCRA 611 ( a ) ( 5 ) ( A ) Timeline of Non-Compliance : XX/XX/year> : Initial CFPB complaint filed ( Complaint # XXXX ) XXXX XXXX : Second CFPB complaint filed ( Complaint XXXX XXXX ) XX/XX/year> : No action taken by Transunion after 5+ days This pattern of non-response and non-compliance suggests willful violation of FCRA requirements. Under FCRA 616 ( 15 U.S.C. 1681n ), willful non-compliance subjects XXXX to : Actual damages sustained by the consumer Statutory damages of {$100.00} to {$1000.00} Punitive damages as determined by the court Costs of the action and reasonable attorney 's fees Requested Resolution : I demand immediate action from Transunion to : 1. Immediately block all disputed items referenced in my previous complaints 2. Provide written documentation of : o The specific method of verification used for each disputed item o Names and addresses of all information furnishers contacted o Explanation for their failure to respond within statutory deadlines 3. Remove all unverified items from my credit report 4. Provide compensation for any credit denials or adverse actions taken due to their non-compliance I request that the CFPB : 1. Investigate Transunion 's pattern of non-compliance 2. Enforce the statutory deadlines and requirements under FCRA 3. Consider this repeated non-compliance when evaluating penalties 4. Ensure Transunion provides written confirmation of all actions taken within four days Previous Reference Numbers : CFPB Complaint XXXX XXXXXXXX CFPB Complaint XXXX XXXXXXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report XXXX XXXXXXXX FTC Identity Theft Report XXXX XXXXXXXX FTC Identity Theft Report XXXX XXXXXXXX I authorize the CFPB to share the details of this complaint with other government agencies if necessary for resolution or enforcement purposes.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MI)

their score has n't changed from XXXX for six months, competing credit companies scores are as follows and they change ever month XXXX XXXX, XXXX XXXXXXXX XXXXThey say they use XXXX XXXX but nothing ever changes.
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

Navient has documented high balances and interest charges in which I am unaware of. The balance of my student loans are very high and seem too much for which my schooling cost. I am requesting someone to take a look at my account and help me to get this issue resolved.
Consumer complaint received 2016-03-16
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (DC)

There were several items that were never dlivered form XXXX so a series if cgarge backs intitiated. As US Bank is the lease customer advocate organization in the world, i recall that they didnt follow the procedure nor process for follwing the law and submitting my chargeback. 
I reccomended we close the card out so it couldnt be shared amoingst other parties. I assumed that they would send me my new card out. However when It didnt show for 2 weeks, I got concerned. I called them and US Bank said a new card wasnt issued. They lied and said it was because i didnt want one. That is a complete lie, fabrication, and a shocking statement for a bank employee to make. You would think once it was identified that there was an issuem, which was the fault of the bank, they would reissue the card, They havent and I want a new card.
Consumer complaint received 2024-10-23
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. (NY)

It is with great certainty representatives from TransUnion lack proper experience to navigate the laws governing credit reporting and FCRA laws. I've submitted a Federal Trade Commission Report detailing fraudulent accounts and furthermore asking all fraudulent accounts be cleared from credit file. Now, other credit agencies such as XXXX and XXXX followed the laws for identity theft victims and they clear all fraudulent accounts according to Federal Trade Commission Reporting. On the other hand, TransUnion continuously hasn't followed lawful request for identity theft victims, such as I. There negligence caused me to suffer with family financially. This whole situation will somehow lead to punitive and compensatory damages on there part. Thank you.
Consumer complaint received 2017-02-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I was a member of the XXXX XXXX and was XXXX in XXXX due to injuries sustained in XXXX I had a XXXX Card with a {$8400.00} balance in XXXX. So far, Transworld Systems Inc has collected a total of {$8700.00} from my tax returns and an additional {$1900.00} from my pay checks. I contacted Transworld Systems Inc and they informed me that they contacted via mail back in XXXX, but since they sent it to a wrong address, they said I forfeited a settlement and they took garnishment actions. I have not heard anything from them in 5 years, yet every time I turn around, they are taking money without me knowing. Had I not called The XXXX XXXX XXXX XXXX today, I would have never known about the garnishments of my wages. I have asked XXXX and TSI numerous times for a breakdown of what I owe and have yet to receive anything since XXXX. I am a little confused on how this is the slightest bit fair.
Consumer complaint received 2024-10-23
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. (FL)

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received a copy of my credit report provided by XXXX, and I have noticed that transactions related to the XXXX XXXX account with the number XXXX have been incorrectly marked as late payments. 


According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. 

This means that consumer transactions are excluded from consumer reports. XXXX and/or any other risk score or algorithm used to calculate a consumers XXXX XXXX is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title. 

XXXX or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXXXXXX XXXX  ) constitutes a violation of 15 U.S.C. 1681a.

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX funds were deposited into my account, I made an attempt to withdraw the funds via XXXX to make a rent payment and notice that my XXXX amount was only {$500.00} so I tried to withdraw the funds and was not able to do so, I tried to withdraw {$1600.00} from my account twice and I was not able to do so, so I lowered the amount to {$1000.00} and realized my limit was the XXXX, I took the XXXX and tried to take then XXXX {$500.00} and receive notice my account was blocked, I immediately called the number provided, I was not able to get through I tried calling the next morning which was a Saturday, I was advised a block was on my account for fraud and I would need to call back on Monday, on Monday when I called back I was told I needed to wait until a letter was sent out so that the account could be verified and that could take XXXX business days but the letter was mailed XXXX which was a Sunday, I called back a few days in between to only be told by a manager XXXX that the letter was mailed out XX/XX/XXXX, and there was mothing they could do to help me, I couldn't go into a branch to be verified, they couldn't use my telephone number to verify me there was noting that could be done i needed to wait on this letter, i called back XX/XX/XXXX spoke with XXXX and he told me the same thing as XXXX he also was supervisor, I waited and called back XXXX spoke with a gentleman name XXXX who advised me we were at day XXXX and to try back as of XXXX as i still had not received this letter from the bank with this refenced code, he said call back and they would try to verify me another way, day XXXX come I still have not receive the letter i am two pay periods in and no access to my funds, my rent is late my cellphone is disconnected I have no liquid asset at this point, I called back and speaks with a manager now he says they try can verify me through my telephone number, that is now disconnected, to only tell me at the end of the call I had to wait for this letter that still as of XXXX as not arrived to home address, that they will not verify if they have correct, and also they will not verify what telephone number they claim they attempted to call during this entire process, but never had a missed call nor voicemail and here it is that I am about to be paid again and have no access to payroll funds, I have never seen anything like this in all of XXXX  years of living, and I find this very sad and disheartening, I am late on my rent, my cellphone is disconnected and I am behind on bills and I need someone that can address this matter quickly, I hope this email lands in the correct hands and this never happens to another consumer Sincerely XXXX XXXX
Consumer complaint received 2016-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (OH)

I contacted FedLoan Services after hearing a commercial on the radio. The company offered to consolidate my loans and lower my monthly payment. However, I had to pay them {$800.00} up front and an additional $ XXXX per month for their service fees. I paid them {$99.00} every two weeks until the amount was paid in full. Now, I pay them $ XXXX per month for their services in addition to my monthly payment goes towards my student loans. My first payments started on XXXX XXXX, 2015. 

I found out that charging a fee for the services was illegal when I called your agency in regards to something else. If this is the case, I would like my money to be refunded to me. I 'm also wondering if they are allowed to collect the $ XXXX monthly fee as well.
Consumer complaint received 2024-11-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc. (SC)

I have continuously asked for a Debt Validation, and several other items, and I have not received anything I asked for. This debt Charged off, XX/XX/XXXX, however they have continued to update the account every single month, and last updated it again in XX/XX/XXXX, making it re-age on my credit report. 

Also, a Charge Office reflecting {$0.00}, means they have sold this debt to a third party, so they are reporting it on my credit updating it every month when the debt has been sold. 

As per 15 U.S. Code 1692c - Communication in connection with debt collection, I notified Money Lion that I want them to cease further communication with me, except to advise me that further efforts are being terminated. Reporting on this debt/updating it on my credit report every month is a form of communication. 

They are violating my rights, and I demand this account be removed off of my credit reports.
Consumer complaint received 2016-03-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (MD)

BB & T retroactively placed force insurance on my account, when they asked for insurance information I provided it, my insurance company showed a new effective date, BB & T said since the date did not cover the past 3 months they would retroactively charge force insurance, I told them I did had coverage during that period and requested they contact my agent. The call center told me it was my responsibility and they could not make outbound calls to resolve the issue, it was my problem ... It took me over an hour on hold to speak with a manager, I gave up and ate the cost since it was clear they were not looking to resolve the issue for me.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (OH)

Chase sold my loan to a terrible servicer called XXXX, who has a XXXX with the XXXX. I do not approve of lenders being able to sell our loans without our consent. Congress needs to pass regulations that give the consumer more control and with all that has happened with the bail outs, etc., there should be more advantages for the consumer. I do not approve of moving to a half rate company who has XXXX positive review on the XXXX site, not to mention all the other sites that have hundreds and hundreds of complaints about the operations. It is time for a banking revolution in this country and the people need to wake up and kick these folks out who ca n't do good business. We should be able to penalize banks who do these things and take control of the systems we have allowed to be created under our names.
Consumer complaint received 2016-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (MI)

About a year ago, I noticed a ( what I thought to be ) fraudulent delinquent account on my formerly perfect credit report. It was from XXXX XXXX, who I have n't been a customer with since I moved from XXXX to XXXX 6 years ago. I later learned that it was because the cable XXXX had been in my name, and my ex 1 ) Never fully put it in his name, and 2 ) Never turned in the modem when he moved to another location in XXXX last year. I contacted him, he turned it in, XXXX XXXX confirmed ( I 'm sure they have logs on it ), and it was removed off my credit report. I checked my report last night, and low and behold, there 's ANOTHER overdue account from XXXX XXXX that is listed as OPEN and has been charged off to a creditor for a measly {$180.00}. I 'm not exactly sure what 's going on this time, but this is NOT my debt as nothing else was in my name with XXXX XXXX. Perhaps it actually is a fraudulent account, or maybe the debt collector made a mistake, but regardless, I have no responsibility in paying this.
Consumer complaint received 2015-08-19
Product: Other financial service — Foreign currency exchange
Issue: Excessive fees — 
Company: JPMORGAN CHASE & CO. (NY)

I ordered XXXX XXXX yesterday ( XXXX/XXXX/2015 ) from Chase branch XXXX at XXXX, NY. The bank applied XXXX ( equivalently, XXXX XXXX per USD ) exchange rate, which is 11.3 % higher than yesterday 's close FX rate of XXXX ( equivalently, XXXX XXXX per USD ). This means I overpaid {$140.00} out of totally {$1300.00} to get XXXX XXXX. 

Misled by my past trust to Chase service, I only realized this ridiculous overcharge last night. When I called the branch manager today, he said there is nothing they can do. They follow a standard practice to mark their FX rate to retail customers. 

I feel the practice to mark FX rate 11 % higher than market close for retail customers is outrageous. Therefore I am filing this dispute, not solely to refund my own money, but to ask Chase to ( 1 ) Always disclose, orally and in all receipts, how many % the retail customers are over paying for foreign currencies comparing with FX market close ; ( 2 ) Disclose to public in past 10 years totally how much dollar amount did such overcharge accumulate ; ( 3 ) Apply a % cap on how much such over charged FX rate could be compared with FX market close ; ( 4 ) Investigate their internal practice of marking FX rate for retail customers and disclose the result to public.
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

Requested a credit report online. It was nearly impossible to determine what the cost of the report was. There was lots of wording anout a credit monitoring which I didnt want. But Experian somehow signed me up for a monthly fee which would be well over {$260.00} per year. Apparently, I was given a 10 day trial period. At the conclusion of that time, I was billed XXXX. The issue here is really about how skillfully Experian hides and manipulates those requesting a credit report into their very expensive and mostly useless service. It is a fraud that for most people may be unknown for many months until they notice the charges on their checking statement. This tactic is used by Telemarketers constantly and has no place in credit reporting. I contacted Experian and after XXXX phone calls, they flat out refused to credit my debit card. It is clear that this is a cleverly executed scam, designed to confuse and siphon more dollars from unsuspecting consumers, especially XXXX. This must stop.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MN)

On XXXXXXXX XXXX XXXX, at approximately XXXX XXXX XXXXXXXX, I called the CitiBank Macy 's XXXX XXXX XXXX XXXX customer service center to request a credit increase. I spoke to a female representative, on a recorded call, who I told multiple times on this recorded call that, in order to increase my credit limit, I did not and would not allow for a hard inquiry credit pull. I stated many, many times on the recorded call that I did not allow anyone reviewing my credit line increase request to pull a hard inquiry on my credit report. I was told that my request was escalated to a male manager, who had to " send an email that could take an hour for a response '' to another manager, because my credit limit request of a total credit line of {$50000.00} had to be reviewed by several people. I was then promised a call back by the male manager, and I again told the female representative -- on a recorded line -- that I did not and would not submit to a hard inquiry on my credit to review or complete my request. On XXXX XXXX, I received notice that a hard inquiry had been placed on my XXXX, XXXX and XXXX credit files. ( See attached screen shot. ) I did not ever -- neither verbally or otherwise -- give my consent for Citibank Macy 's XXXX XXXX to pull a hard credit inquiry to complete my credit limit increase request. Their agents were specifically told, numerous times and all on recorded calls, that I refused to go through with my credit line increase request if a hard inquiry was required. Citibabank/Macy 's XXXX XXXX and intentionally made a hard inquiry on all three of my credit bureau files , and I did not ever authorize them to do so.
Consumer complaint received 2024-10-23
Product: Credit reporting 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. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.