davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX, Account Number : XXXX XXXX Account Name : XXXX XXXX Bankruptcy : Bankruptcy, Account/Reference # XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (OH)

I am trying to rent or buy own first house and a new car for our military family. All 3 credit bureau has wrong derogatory information that I did not authorized, I am a victim of fraud, now the most recent that I saw thru XXXX XXXX was XXXX XXXX. False report and my personal information being sold by different againes that I'm unaware of. All 3 bureau is refusing to remove these things off my credit report. So I need you guys to fix it we should not have to serve this America country and come home and people has misused our social security numbers and now we can't get approved for us to live. Please help XXXX I can be reached monday thru saturday. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Thanks
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (SC)

This complaint is about XXXX and my XXXX discharge. I sent them the award letter in the middle of XXXX and they have not given me updates while its being processed but instead has reported 9 new installment accounts and 9 new credit accounts on my credit report. I received notice on XX/XX/XXXX that you received my application. In that time, you have reported 9 new installment accounts and 9 new credit accounts to the credit bureaus. This, in turn shortened the length of time when I had the loans in my name and that reflected poorly on my credit report. The interest that you are charging me is inconceivable, and it increased my total amount due and owing according to the bureaus. You never sent me documentation of the interest charges that would accrue while I was under a decision of my XXXX before you notified the credit bureaus. I feel as though during this transition, reporting to the credit bureaus would be the least of your worries since I have given you my award letter from Social Security. During this process, my loans should have been held in a deferment or forbearance rather than reporting the negative information to the credit bureaus.
Consumer complaint received 2023-08-18
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2016-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: JNR Adjustment Company, Inc (CA)

XXXX XXXX company called me around three months ago that I rented a car from them and accident it and give them back I did not rent car from them they have my name address and last XXXX digits of my social when I deny to pay them money they said your wife toke car from us my wife do not drive she do not have driving license they called me many times and forced me to pay them money which I do not owe then the jnr adjustment co called me many times and forced and harassing me to pay them money they also send me a later then I make a police report for identity theft in police report also indicated that they did not find any proof that I rent a car from XXXX
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (PA)

There was a coulple credit cards that were taken out in my name that I did not authorize, I am filing this report to compley with a police report. I have disputed the transactions and was inform by a police officer to get a report is nesscessary. I was told by the officer in the investigation that I need to complete this. I am not certain of all the excat times and dates of transactions but I am aware that I believe that the person who is stealing my identity is my son XXXX XXXX XXXX. Recently checks were also stolen by him and I took measures with the banks to fix that. I have a XXXX XXXX card that was taken out in my name, with a XXXX credit limit. I have not once received the actual card or receive the statements. There is a current balance of XXXX pass due. And also there is a discover credit card that was taken out in my name that I did not authorize. I have put a freeze on my 3 credit departments. Please let me know what else is needed from me. I want to ensure that this does not occur again. I can be contacted by phone at XXXX. 

Thank you. XXXX XXXX
Consumer complaint received 2023-08-18
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. (FL)

The moment I received the duplicate of my report that I purchased with XXXX I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNTS : XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-18
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. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-31
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (MI)

We are filing a dispute regarding the failure for XXXX XXXX XXXX ( XXXX ) to complete a modification review under Home Affordable Modification Program ( HAMP ). 
Our loan was originated in XXXX with XXXX Mortgage Company, which in deed makes our family eligible for the review of HAMP programs and all of the programs original intent and initiatives for benefit of homeowner such as myself. It is unlawful on multiple levels for our loan to be discriminated and excluded from review of such programs based on Ocwen Loan Servicing ( OLS ) being named as investor/owner for our mortgage loan. Although we are thankful for consideration and approval of a modification program, we are dishearten by the fact that XXXX, and OLS are purposely overlooking our family for a much more beneficial program than what has been offered on XXXX XXXX, XXXX. 
The reasons given for our multiple denials of HAMP not only are ambiguous, but also evasive and without detail or relevant cause and appear to be a ploy to avoid offering our family a deeper savings at 31 % of our gross income. My theory, is that both XXXX and OLS presumed the HAMP program to be dissolved at the end of XXXX, and the denials were a preemptive decision made prior to the FHFA 's announcement made that HAMP was being extended until the end of XXXX. 

Both XXXX and OLS, are major participants of the HAMP program and it is completely out of character of industry standards since XXXX and in the wake of both financial institutes losing federal lawsuits for thousands of acts of deception, abuse and fraud of homeowners nationwide. In fact there are still thousands of pending and unresolved lawsuits against of OLS. The lawsuits allege, among other things, that Litton Loan Servicing ( " Litton '' ) and Ocwen Loan Servicing ( " Ocwen '' ) engaged in a deceptive scheme to delay or deny permanent mortgage loan modifications through the federal Home Affordable Modification Program ( " HAMP '' ) to desperate homeowners, systematically breaching their contractual obligations to homeowners, committing deceptive trade practices, and causing significant financial harm. 

Our loan was approved of what 's called a XXXX XXXX XXXX loan modification, on XXXX XXXX, XXXX for a payment in the amount of {$1200.00}. Based on my gross qualifying monthly income of {$3500.00}, the payment equates to a front end debt to income ( DTI ) ratio of 36 % to 40 %. However, had our loan been reviewed accordingly for the HAMP program, our payments would be based upon 31 % DTI, equating to a much more affordable amount of {$1000.00}. 

We are seeking for our loan to be reconsidered for the HAMP program. We are seeking a more thorough and detailed explanation as to why we are being overlooked for a program that we rightfully should be considered and qualified to receive. This complaint will be forwarded to the our state attorney general as well as Michigan Department of Financial Institution for their review of my grievances.
Consumer complaint received 2024-09-07
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: EQUIFAX, INC. (TX)

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.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (NY)

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.

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 2015-10-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

I had my original loan with XXXX along with a XXXX mortgage, and when the financial crisis hit I was no longer able to meet payments. Instead of opting the foreclosure route, I decided to pursue a short sale. Upon notifying XXXX that a short sale was being pursued, they began servicing my XXXX mortgage at Greentree. In XXXX 2011, my condo was closed as a short sale and I gave up my home. Both Greentree and XXXX accepted settlement payments to facilitate the short sale. Greentree continued to call me for payment after the short sale was completed, sometimes XXXX times per day while I was at work. I was n't always able to answer, but I did my best to communicate to them that the property was short sold. They told me to borrow money from family, put it on credit cards, etc ... I did n't have the money to pay, but they continued to call. 

Now, They have hired attorneys to sue my in county court. I am due to be present this Wednesday at XXXX. I have been trying to get my life back together since I lost my house, and this would devastate me. 

I had opted the short sale route, because everyone I spoke with said that was more responsible than just walking away and letting it fall into foreclosure.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Brief : I was issued a check in my name from a project I completed in the amount of {$25000.00} even. 

I contacted Bank of America located on XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX # XXXX I informed this bank that I lease office space in the building next door, Ive been there for years. 

I requested that funds be made available for me to cash the check. 

I spoke with a manager and they stated would be able to accommodate.

When I arrived the next day with the check all forms of ID required XXXX XXXX. Lease documents proving my address etc. 

The XXXX manager brought check into back and then came out front and told me that they would not be able to cash the check and that I would have to contact the ppl that wrote the check to discuss. 

When I asked why she would not give me any answers as to why they could not cash the check. 

I contacted the check issuer and they verified check was good. 

I went to an another Bank of America ( XXXX XXXX XXXX XXXX and they cashed the check without problems without any weird discrepancies or difficulties other than the normal verification process. 

The bank in XXXX XXXX is discriminatory towards many because Ive had problems there before which Ill take to a district court on behalf of the people if it continues. 

XXXX time about a year or XXXX ago I put a check in my account at the XXXX XXXX and it was flagged for absolutely no reason other than Im from a different block and these preppy people discriminate against it. 

I wonder how many people they have done this to in the pastsht stops right now XXXX or Ill elevate it up the ranks dont ever judge a book by its cover. 

Im closing On the check in discussion, my Middle initial is typed XXXX. 
my IDs ( all forms of verification ) are spelled out. 
Even though it wasnt explained to me ( reason for not cashing ) I suspect it was the minor stipulation as to why it wasnt cashed.. 

which is wrong, discrimination because a human trained in the banking profession should be able to connect the dots and ( no pun intended ) but the XXXX punctuation after XXXX  stands for a abbreviation.so not cashing it because of that is wrong XXXX XXXX educate yourself. 

Again I was able to cash this check at another bank quickly without any problems. 

And Im going to continue to use this bank in XXXX XXXX and everytime they make a wrong move Imma bust them on it and then Ill build a case and class action you all for real no joke If you lie and say some weird stuff in response Imma get you on it Have a good day!
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (SC)

I called Wells Fargo. I asked why I wasn't notified the promotional interest rate would expire in XXXX. I asked for a refund for XXXX and XXXX interest payments, since I didn't receive a letter in the mail or any notice of when the date was changing. I was told no this was not possible ( only a {$50.00} fee could be given ) Further, my minimum payment jumped from {$100.00} to {$400.00} during this time. I was confused how the payment could jump so significantly. I was told the minimum payment is 1 % of the balance due plus includes any fees & interest. I thought ( per other banks ) the minimum balance due is always a % of the balance. That's a significant jump, and an even harder hole to crawl out of. 

I have {$600.00} of interest being charged over the course of two months. 30 % interest rate and a payment of 1 % plus interest so {$800.00} due today. My account is {$41.00} dollars over the credit limit again thanks to the {$600.00} in interest. I'm at risk of default, and wells fargo offered no guidance or clear disclosure to ensure I was prepared for the months ahead.
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This falls under a breach of 15 US Code 1681s-2, which outlines the obligations of entities providing information to credit bureaus. They failed to furnish me with prior written notice regarding the account before including it in their report. Consequently, I insist on the removal of said account from my credit report due to my disagreement with the alleged debt.

Furthermore, their actions run afoul of my rights as specified in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes for consumer reports. They reported the account without my authorization and misused my social security information. Thus, as a victim of identity theft, 15 US Code 1681c-2 obliges the blocking of such information unless I explicitly grant permission in writing. 

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my privacy rights. Regrettably, your organization has breached my consumer privacy by publicly disclosing this data without my consent. 

I urgently request the immediate removal of this account from my credit report.
Consumer complaint received 2023-08-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX my son was XXXX XXXX XXXX XXXX XXXX, and we received a check from the insurance company. I opened a custodial account for him on or about XX/XX/XXXX at XXXX XXXX  with both of our names on it. Over the years the our account ended up at Chase bank, and at some point it became a CD account unbeknownst to me why, and at some point his name was dropped, as my name was the only name showing on the statements. My Son passed away XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX at the XXXX ca branch and spoke with XXXX, I went to Chase to close the account. I was told by him after he made a call to discuss my request I was told the account was court ordered. I requested a copy of this alledged order. I was told because this account was over 30 yrs old the banking records and how things are handled are different and was told that between the transfer of funds from bank to bank there were no records, and no records of my Son 's name, just my name, they couldn't find any information for my Son. I returned to the bank with proof of a statement sent to me from Chase bank with both of our names on the statement so at this point he called the escalation dept and spoke with XXXX who after checking i was told again there is no record of this account being a " joint/custodial '' account and their only record is it being a court order and my name only on the account. I was frustrated but kept my cool. XXXX went and spoke with XXXX XXXX, the Bank Manager. XXXX XXXX invited me into her office to get an understanding of the situation, and I was told by XXXX to bring the copy of the statement and my Son 's death certificate and she would write an escalation letter on my behalf. I received a call from XXXX mid XXXX to regurgitate the same response. My name is the only name listed on a 30 plus account that contains banking errors. Why do I have to suffer and feel like a human " ping pong '' ball? I am asking for your help with this issue, please. I think with all of their publicized critism from their current and former customers I am another victim. 

Thank you XXXX XXXX