davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
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: TRANSWORLD SYSTEMS INC (MI)

I sent information to XXXX, disputing an erroneous claim by a collection agency representing XXXX for an alleged unpaid bill. I sent to XXXX  extensive documentation of my cancellation of the account, the reasons/proof behind the cancellation, and my extensive follow-up after I became aware of an issue. Its " investigation '' was apparently to confirm with the collection agency that the debt was valid. They have no proof or documentation that I did not cancel or agreed to continued insurance beyond the date for which I had paid. So, this was not a real investigation. Also, the collection agency has no judgment or other proof : they are just reporting false information ( submitted under another complaint. ) I requested a property insurance policy through XXXX  in XX/XX/2019, as a requirement for a HELOC application. I signed up for auto payment. I enrolled in the plan through the phone and internet. All of my documents, signature pages and payments were electronic. 

In XX/XX/2019, a title issue with the property blocked the HELOC from moving forward ; I had been approved, but could not get funded as a result. I therefore notified XXXX  in writing that I was cancelling the policy, since I had only added it to comply with the loan requirement. No auto payment was taken thereafter and I received no correspondence on the matter, so I had every reason to assume the policy had been cancelled as directed. 

In fall 2019, I became aware of a derogatory credit entry. It stemmed from XXXX 's claim that I owed 2 months premium for the policy which it did not cancel until XX/XX/2019. I contacted them immediately and described my cancellation. I was given several false answers and information, stating that XXXX did not accept written cancellation ( it's the law ), that it never received mine, that there were other reasons my auto payments had been stopped and also that all correspondence had been sent to the property address by mail, even though my account was completely e-notice AND it was an investment property occupied by tenants. XXXX also did not offer a landlord policy. When I provided all of my documentation, they stated that they would only " backdate '' my cancellation if I could show proof of another policy, which is completely irrelevant. The property remains uninsured and wasn't insured prior to the policy with XXXX, so that is a completely made-up requirement. 

The insurance company is XXXX and the collection agency is TransWorld System Inc.
Consumer complaint received 2015-10-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

My boyfriend deposited a check into my account Friday the XXXX of XXXX at Wells Fargo bank. He made an error on the amount and changed it and intialed the mistake and proceeded with the deposit of XXXX dollars. The teller then accepted the check and did not inform him that they would hold the check availability until the XXXX of XXXX. They immediately withdrew the funds from his account and refused to allow me access to the funds so that I could pay my bills and see my doctors! I now have to make another appointment with my XXXX which will take at least 30 days before she can see me and cause me to run out of medication! If I run out of medication I could have XXXX! I have no one else to pay for my doctors visit or my medication. I ca n't even borrow the money from my boyfriend because Wells Fargo is holding all of his money. I can not believe it is legal to hold someone 's funds for 12 days! I am so tired of this banks illegal processes and their lack of customer service! They have caused me so much stress I almost went to the hospital today!
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (CA)

I was living in XXXX for a few month taking care of my XXXX mother. American Express cancel my membership because it was past due for a few months. I have no access to gmail in XXXX, and was n't made aware of this situation. When I came back to the States, I immediately contacted American Express and offer to pay my annual fees and request them to retro activate my account and give back the XXXX plus points.
Consumer complaint received 2017-03-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I have encountered several incidents of financial identity theft dating back since XX/XX/XXXX. On XX/XX/XXXX I was notified by a Notice of Adverse Action of a debt I do not owe. A payday advance loan was applied for using my personal information. I did not apply for this loan nor do I know where the money has been used.
Consumer complaint received 2016-05-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

Short sale was approved XX/XX/XXXX and loan was cancelled XX/XX/XXXX. I immediately retained another realtor XX/XX/XXXX. property put back on market and received cash offer, documents submitted XX/XX/XXXX to Wells Fargo. Made calls for status updates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they had n't submitted anything to HUD. Let messages for contact person, no callback. Even tried speaking to supervisor over person. Call transferred to voicemail. Contacting customer service they would just say they would have a callback because they didnt have information in notes that was updated. Contacted their Executive Resolution for assistance, still nothing happened till XXXX XXXX. HUD response was due to time frame was denying short sale which was approved before. I have asked for a detailed letter in regards to denial XXXX XXXX, XXXX, have n't received, said they are working on it. Now foreclosure process has started.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY (NY)

At first, I applied for AMEX Blue Cash Card and got it approved. After a year, it was upgraded to BLUE Cash Preferred Card.

Later on, I put up the request for closure of BLUE Cash Preferred Card. I cleared all my dues which is confirmed by custermer care and account was closed. 
After two months of closure, AMex raised a charge of {$150.00} on my closed account, stating that " The reversal of charges of promotional reward ''. 

I enquired them from time again and again and told that the promo offer was never given to me, it was just simple upgradation. 

After 3 months, they finally lodged the dispute charge with reference no XXXX. It was attended by their staff name XXXX XXXX with employee id XXXX. But the case was never resolved. 

In the mean time, AMEX started applying the late payment fee and interest charges. Though I explained them my case and they agreed also that the mistake was at their part. I have never defaulted any payment, still they have spoiled my Credit History. 

On enquiry, I was advised that my case now has been transfered to XXXX XXXX XXXX with case no XXXX. Its been more than 1 month, my case remains unresolved. 

Due to all this, my another card " AMEX Delta Gold card '' has also been suspened.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This complaint is against TransUnion Credit Bureau and related to complaint # XXXX. TransUnion is reporting from my mortgage servicing company XXXX XXXX XXXX a Derogatory status. This is inaccurate and seriously wrong status. My loan has never been delinquent or not in current status with XXXX XXXX XXXX. I have submitted documentation with complaint XXXX. This inaccurate status has impacted my credit report and caused me harm. Additionally, it is violation of the CFPB laws.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX screwed me up after I closed my account with them with no balance because they said I owed them {$40.00} after I had already closed my account and they never notified me of this after we had mutually parted ways. They kept reporting this on my credit and when I found out about it I called and gave them the {$40.00}. To this day this is till negatively affecting my credit and I feel like they violated the credit consumer laws by not notifying myself in writing about the unpaid balance after I had successfully closed my account with them in good standing and with no balance due.
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

my recent credit report TransUnion there is a adverse account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX account date open XXXX/XXXX/2013, is an individual account, account type : open account ; loan type GOVERMENT GRANT. PAST DUE {$2300.00} ( all this information retrieve from my credit report with TransUnion ) contacted the US TREASURY and talk to a representative name XXXX stating that there is no records of any debt under my name or social security number. contacted TransUnion credit company and they have open a XXXX investigation to get any results.
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I could not continue making payments to XXXX XXXX XXXX XXXX XXXX NE XXXX in XXXX XXXX. I called them and made arrangements for the vehicle to be returned. XXXX XXXX XXXX reported a " charge off '' of {$11000.00} to TransUnion. XXXX then sold the debt to a third party ( XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. ) In XXXX XXXX I contacted XXXX to pay off the debt. XXXX referred me to a third party collector XXXX XXXX XXXX ( XXXX ). I contacted XXXX and we agreed upon {$7700.00} to settle the debt, and I overnight mailed XXXX a cashier 's check. 

Now the problem : I obtained copies of my credit reports from all XXXX credit bureaus and the debt remains showing as a " charge off. '' XXXX says they wo n't report this account as " paid '' to TransUnion, that it is XXXX 's responsibility even though XXXX is mentioned on the credit report under XXXX 's Name. XXXX says they wo n't change the status. I have disputed it with TransUnion three times and submitted proof of settlement and payment, but TransUnion refuses to accurately update the credit report. 

I submit that : one, when XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX, the debt ceased to be a charge off and that XXXX should have changed to status from " charge off '' to " debt sold '' ; two, once XXXX was informed by XXXX that the debt was paid/settled, that XXXX must change the status on the credit report to " paid/settlement '' ; three, that since proof of payment has been provided to TransUnion three times and that this inaccurate information on my credit report has been disputed three times ( and that XXXX and XXXX both acknowledge that the debt is paid, ) that TransUnion must change the credit report status from " charge off '' to " paid '' or " settlement. ''
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX Bank has added a duplicate Credit Account that was either previously recorded or previously removed from my Credit Report. This is according to XXXX 's records. Per the attached screenshot, XXXX added this duplicate record on XXXX XXXX, 2016. I would like the record removed. 

Thank You.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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


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


I demand the late payment 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 2016-10-03
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section XXXX ( c ). 
It constitutes your agreement to compensate me for this predetermined sum of {$10000.00} per document. 
Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ XXXX XXXX. XXXX ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
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. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. Please removed these account as soon as possible. Thank you
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed Transunion that I do no have a balance owed on XXXX XXXX XXXX, acct XXXX .... I submitted documentation to Transunion that I have sent certified mail via USPS to address on file with Transunion and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked Transunion to delete item from my credit report as unverifiable, but Transunion replied Charged off as bad debt|Dispute resolved ; reported by grantor. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplies Transunion with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account. Transunion blatantly ignored my request. I asked that Transunion provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores. Most recently creditor updated file on XXXX/XXXX/2016 that I owed {$8500.00} an additional amount after verifying I supposedly owed {$8400.00} on XXXX/XXXX/2016 and XXXX on XXXX/XXXX/2016. This creditor is intentionally trying to destroy my credit by updating false information and Transunion is an accomplice to the act by refusing to accept my documentation that the debt does not exist or remove it until company is willing to provide documentation.
Consumer complaint received 2015-10-20
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (TX)

XXXX continues to harass me about a loan I no longer owe. After seeing this reflecting negatively on my account, I sent them a dispute. That was in XXXX. They have had well over 60 days to investigate and the law only gives them XXXX. They sent back a letter in response to my request for validation, however, there was no validation attached! Not one sheet of paper. Yet, they state in the letter that the debt is validated! Says who? Where is the proof?!? This is ridiculous! I have requested for original documents to prove my payment of this loan. There time to investigate is up. I want this erroneous account deleted from my credit file NOW!
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My husband and I went to a couple car lots and told them to only run my credit with XXXX credit with XXXX creditors only. They ran it through XXXX. I DID NOT authorize that.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had an error on my credit history for XXXX 2016, it showed a 30-day late payment for XXXX XXXX, which has subsequently been fixed by XXXX XXXX. This was an error that has been fixed with the updated information send to the XXXX credit bureaus by XXXX XXXX on XXXX XXXX, 2016. I was told it may take XXXX 45 days to show on my credit history. On XXXX XXXX, 2016, I checked my credit history and XXXX was the only one that made the change, while Transunion and XXXX have not made the change yet. I contacted XXXX credit bureaus and I was told to send the letter I had from XXXX XXXX stating dated XXXX XXXX, 2016 that stated the following " ... we have submitted a credit correction request to reflect the above referenced mortgage account as current ; paid as agreed for XXXX 2016. '' I uploaded this letter to XXXX indicating what had happened and to please correct the information for XXXX 2016 for this creditor, XXXX XXXX on XXXX XXXX, 2016. I send an overnight package to Transunion with a copy of the letter on XXXX XXXX, 2016 through the USPS. I received a letter from Transunion dated XXXX XXXX, 2016 and no changes were made for this creditor. No explanation why they refuse to rectify my account for XXXX 2016. I called them and after an hour on the phone, they were unable to make any changes and all they can say was to wait another 30 days ( although as of today it has been 45 days ). I called XXXX who has not responded to my dispute yet and has not fixed the problem either and they too are claiming to wait another XXXX 45 days. I do n't understand. I called the creditor, XXXX and they indicated that they have send the report on XXXX XXXX, 2016 and another on XXXX XXXX, 2016 and a follow up on XXXX XXXX. I have urged them to please fix this because is preventing me from buying a new house and since no bank will touch me because it shows a 30 day late notice with XXXX XXXX, I can not get a mortgage loan for 2 years. This is crazy since it was a mistake that has been rectified by the bank, XXXX XXXX, yet the XXXX remaining credit bureaus, Transunion and XXXX refuse to make this correction. Why are they not held accountable for fixing this? I need to know what do I have to do to expedite this process. Please HELP!
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX continues to report inaccurate lien amounts. 
A.XXXX and IL dept of Rev failed to send proper notices to me, thus not allowing me to respond, in addressed to XXXX XXXX name B.Placed an XXXX lien. NEVER owed that C.I am sure the state of IL has hired an agency, XXXX who carelessly place errors on consumer reports hoping and using as a collection tactic. 
Delete lien amount error I need Cfpb assistance with this as they continue to report wrong information to bureaus. Even the most recent letter has wrong amount and not addressed to me.
Consumer complaint received 2016-11-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (MD)

I received a notice of escrow shortage in the amount of {$140.00} effective XXXX/XXXX/16. I asked if I could pay it online as I had just made my monthly mortgage payment today.. I was told I could. When I went to the website, I could not assign amount to escrow without making my XXXX payment again as it had not cleared. I told the CSR what was going on, and she advised me to wait until my XXXX payment clears and call back to verify the new shortage amount as it would be reduced to {$130.00} after my XXXX payment clears. 

I did as told, and I was told that The CSR was wrong and that I still needed to pay the original {$140.00} and that I could not pay just an escrow payment on. Meanwhile I am looking at the website and am able to submit just an online payment for escrow without making a mortgage payment. 

I also question the business ethics of allowing the standard 15 day grace period, but charging a service fee if you make a payment online after day XXXX of the grace period. 

Combine that with the fact that I have issues every single time I have to contact this company, and it always seems that I get different answers from everyone that I speak to, that I would love to request that they sell my loan.
Consumer complaint received 2016-05-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Commercial Services, Inc (CA)

continuing harassing phone calls from this company, National Commercial Services, a specialized Subrogation & Commercial Collection Agency located in the XXXX XXXX XXXX in California. 
Continually call and leave no messages on my cell phone. 
Phone number they call from XXXX.
Consumer complaint received 2016-09-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Delbert Services (TN)

Obtained loan from Western Sky in XXXX XXXX immediately sold to XXXX ( loan officer said loan was with Western Sky but would be serviced by XXXX ). XXXX name on paperwork and all documentation in the mail. Paid for almost one year without any reduction in the loan principal. Did an amortization schedule to determine my 5 year loan would take 10 to repay. Called company because I could n't afford that and was not disclosed. Company agreed to lower interest to 89 % but this only shortened amortization to 7.5 years when my loan docs said 5. I quit paying. 
Several lawsuits and ban on Western Sky and XXXX. Was informed I would not have to repay a predatory lender. 
Now I am being harassed by a collection agency ( legal locator service ) that I am about to be sued for way more than I owed unless I can pay {$740.00} within 2 days.