davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
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 hasIn violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following Creditors and Debt Collector have violated my rights : ACCOUNTS : # ORIGINAL CRED : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I would like the these creditors to provide me with a 1099c due to the debt being a write off, if this information can not be provided these account need to be removed from my credit report. 

XXXX XXXX XXXX, I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX, AND DO NOT HAVE A CONTRACT WITH THIS COMPANY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED. 


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 2015-10-21
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (LA)

The case reference hasprobably been closed However - the same peopleand Wells Fargo - ina continuing attempt toresolve the issues are involved with this complaint. 
We finally agreed to do a deed in Lieu of foreclosureWe recently executed documents ( in XX/XX/XXXX ) and XXXX them to the Wells Fargo people We then called for a copy of the docs and aconfirmation of processwe have NOT received a call, nor a copy of the docs. I recently tried to get a small loan to cover cred card debt ( lower interest ) and wasdenied because OUR HOUSE WAS IN FORECLOSURE!! 
Loan # XXXX -we have no further info sincesigning over title. I can emailthe letter notice ofDeed in Lieu of Foreclosure atrequest. Help
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Coastal Financial Solutions, LLC (CA)

A rep ( Assistant Director of Operations of the Process and Warrant Division ) from Coastal Financial Solutions called and left me a voicemail stating that there are allegations of fraud under my name and social security number that they had tried numerous times to talk to me about my loan debt, and that since this has n't been resolved outside of court and if it was n't resolved within 24 hours, that they would send my case back to my county for further processing to be scheduled. He said that if I want to get this resolved out of court I had only until XXXX EST to call him back. At this point, this was the first I had heard from them. If they had called previously, they did n't leave a message.
Consumer complaint received 2020-06-13
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: CITIBANK, N.A. (TX)

I have a Citibank card that I have not used since 2017. Several fraudulent charges appeared on my statement ; I immediately informed Citibank. I waited for excessively long period of time. I disputed the fraudulent charges on my card. I have absolutely no knowledge of the transaction. I believe Citibank is negligent : 1 ) failure to provide adequate fraud protection and fraud prevention services ; 2 ) failure to adequately investigate the disputes, which if investigated, would should show that the charge is clearly fraudulent ; 3 ) sending a replacement Card to an address that I specifically told them they should not send the replacement card ; 4 ) failure to remove charges that were indicated as fraudulent ( by phone ) ; 5 ) impossibility due to Citibank 's website design to report that specific charges are fraudulent. 

These are clearly not issues restricted to a single customer, and most likely reflect a pattern of inappropriate behavior. 

Citibank has also hid behind the Covid 19 crisis ( in effect since late XXXX ) as an excuse not to provide adequate customer service. Credit Card companies faced an increase in customer call volume in the immediate aftermath of the travel bans put in place due to refund requests for travel charges ; travel is at historic lows. There is no longer an excuse ; and further, Citibank has had the opportunity to adapt to the current situation. Note that their billing has not been delayed due to the crisis.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer, has had the amount of {$5700.00}, on my credit for the past 10 years. This amount which was supposed to be paid off by the GAP insurance company after a car accident deemed it total lost. After 6 months of the accident the charge appeared on my credit report ; I called Santander to ask why, they stated they never contacted GAP insurance provider to have the balance paid in full. I attempted various calls from the insurance company to Santander to no avail. I received no assistance from neither party. This has since been a derogatory mark in my credit report for the last 10 years, which is past the statue of limitations. The account is also showing incurrent information. This account is not opened, and there has been no activity in years, yet it states that its 120-140 days late. This account should be removed.
Consumer complaint received 2016-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc. (FL)

XXXX my car insurance with XXXX ended when I found a cheaper rate ... sooo I did not pay my final bill of XXXX to them. So my policy was cancel. I noticed when I started viewing my credit report recently the above balance was on it. I do not understand why XXXX XXXX sold my account to a third party collection agency name Credit Collection Services..I always in the past searched for better car insurance rates and not been penalized by having the balance on my credit report for not paying the policy in full ... Is this legal? By the way never read anything on my policy stating that unpaid balances go to collections ...
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (NY)

Someone opened a comcast cable bill in my name. They some how got a hold of my social sersurity number and there are asking for {$1000.00} in false debt charges.!! Southwest Credit Collection in XXXX XXXX .is at XXXX 
Spoke with " supervisor : XXXX XXXX, and Ijust get transferred to a " voice mail acconut and know one retiuns my call?? ( XXXX }, has then listed as being " OUT OF BUSINESS ''. 
GOTO THIS SITE FOR MORE INFO XXXX ( cut and paste into search ) XXXX Support number is : XXXX. In order to get a copy of the false contact I would have to go to " XXXX XXXX XXXX " to pick one up? 
That would take my hours at a cost of around {$40.00}. 

My XXXX Bank Statement has ne " using my debit card three ( 3 ) times, on the date this Account was opened.Hmm ... .Can not be at XXXX place at once!!! 

Please " publish this, for the public to read. '' Copies XXXX b mailed out.
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

I paid my credit bill on time, actually early. Citibank up 'd the minumum charge for {$25.00} to {$35.00} without notification. I called XX/XX/XXXX and the fee was reversed just to be re added XX/XX/XXXX. I paid {$35.00} XX/XX/XXXX prior to the due date in which then called me daily for weeks they had just increased the min pay to {$40.00} and decreased my credit limit so now the account is over the limit. They also added without my concent some protection service that I did not want and yep, added that to the over limit
Consumer complaint received 2015-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

we have been trying to save our home for quite awhile now. They are always missing paperwork, when I filled it all in, faxed it and fedexed it. I have been through at least XXXX or more account managers. it seems that as soon as things look close for a better payment they change our account manager. We are frustrated! now our home is in foreclosure wit a law date of XXXX XXXX and they still are doing the same thing with the paper work. We 've worked hard to upkeep our home. They were suppose to get back to us with a rate that is XXXX our income. We are dealing with family health issues that are being resolved which will add to our income. We are frustrated and do n't know where to turn. We can not afford an attorney at this time and they know this. What can you do?
Consumer complaint received 2015-06-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a health savings account ( HSA ) with Bank of America. On XXXX, I placed a trade in my investment account associated with the HSA. Per Bank of America disclosures on the website, the trade will happen the next day if it was placed before XXXX. Although my trade was placed before XXXX, it did not execute the next day. It executed only on XXXX. I wrote to the bank and they responded saying " Trades get processed in XXXX business days ''. This is contrary to what their website disclosures say. I lost money because the stock price moved.
Consumer complaint received 2023-10-25
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. (NJ)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
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. (NH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
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. (FL)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry : XXXX cards XXXX  XX/XX/2023
Consumer complaint received 2016-04-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

When I was released from the hospital, I had the hospital to consolidate all of my medical bills into XXXX so I can make monthly payments. XXXX was accidently left out by the hospital and sent for collections to XXXX. In XXXX of 2015, I contacted the agency and explained the situation and they agreed to completely remove from credit report once it was paid. I immediately paid over the phone. I recently checked my credit report and it is still on there. The hospital removed it because it was an error and now the collections agency is unwilling to remove it because they said " the rep that I spoke to did not note it. '' I can not help that the representative did not do their job. I kept my word and paid the balance, I would like for them to keep their word. I have called twice to speak to manager and each time the manager has refused to speak to me about this matter.
Consumer complaint received 2015-10-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (AK)

I answered one of CBE Group 's phone calls. I have no idea what debt they are trying to collect but they asked for me by name. When I offered to make a minimal payment of {$25.00} twice monthly they refused to take and said I would need to qualify under their financial needs program. They told me I would need to be asked several questions. The first gentleman I spoke with was very pushy about the questions and insisted that my household should have a savings built up. He told me exactly how much money I should have left over after every paycheck and that the numbers just do n't come up right for me to have no money and not be able to pay more than {$25.00} twice a month. Then he insisted I ask anyone I know to loan me the money. After I put my foot down he got his " manager '' to redo everything he just did. The manager was rude and pushy with me also. He continuously insisted I " find a way to get the money right away and pay it all at once '' and that " the company they were collecting for wanted one lump sum payment ''. I was told to open a new credit card or take out a personal loan to pay the debt. He also kept telling me that there is no way I 'm broke and have no money, that my financial situation just does n't add up. After this, I let the man know that I needed to get off the phone, which I had already been on for 30 minutes, because I have a child that needed to be tended to. I said I would need to discuss this with my husband and his response was " well how much time do you need to talk to him, a day? ". He got a little rude with me about wanting to get off the phone before the debt was settled and said they 'd calling back in 24 hours. In an attempt to answer the call I just said " ok '' and hung up. This was about 3 weeks ago. They 've proceeded to call me everyday since, even taking it as far as calling me on a Sunday.
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TRUHOME SOLUTIONS, LLC (MO)

I have had a mortgage with Truhome Solutions since XXXX and The account number is XXXX. The mortgage company pays my home owners and flood insurance from my escrow account every year and this is done by TruHome solutions. In XXXX of XXXX the insurance was not paid. Funds were not sent in to XXXX XXXX nor the The XXXX XXXX XXXX XXXX ( XXXX ). Lack of payment to these companies has cause a world wind of problems. The XXXX cancelled my policy XXXX raised my rate and every other company I deal with think I neglected paying my bills. I have been a member of XXXX XXXX XXXX for over 20 years, with TruHome almost 10 years. Immaculate credit history. Never ever missed a home loan payment, XXXX auto loans and never late making a payment. Nonpayment of my XXXX policy caused that organization to require me to get an elevation certificate and the policy is now {$2100.00} from {$590.00}, 4 times the amount that it was .My homeowners and flood was {$1100.00} in XXXX. Now it is {$2700.00}. This amount is {$1500.00} more than I have paid since I have had this mortgage. I contacted TruHome Solutions and after days of calling and calling and getting the run around I got the Insurance supervisor XXXX. After countless conversations she informed me that there was a " touch error '' ..?? an error caused by a person not clicking 'send payment '. She informed me that my payment was sent in XXXX and scheduled to pay on XXXX but do n't know why someone did n't send the payment in XXXX. I asked if there was anything that could be done to change this and she pretty much said that I was out of luck. This mistake has caused me a tremendous amount of XXXX. This mistake in 5 years will cost me {$7700.00}. 10 years is {$15000.00} dollars. This is real money. I do n't have thousands of dollars to pay for this mistake. I have to consider moving from my home. XXXX of XXXX I have to find someplace to move to of pay {$31000.00} extra in payments due to TruHome Solutions mistake. This company may have to be investigated for fraud. It 's unknown how many people has suffered because of this type of blatant disregard.
Consumer complaint received 2023-10-25
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. (GA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

paid tax on time, Bank of America repaid the tax with a late fee to XXXX. The bank opened escrow and funded it from the mortgage payments. I did not have escrow. I pay tax and insurance my self, I am calling the bank since XXXX to resolve this problem, as of XXXX The said problem is not solved. All XXXX credit bureaus are showing I am XXXX days late it also shows the increased payment of {$860.00} not {$510.00}. To add insult to injury the bank told me I must write and request they remove the mistake from my account. I wrote the letter to an address I was given since the end of XXXX.
Consumer complaint received 2016-12-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I file a credit card dispute with Capital One Credit card. I disputed a charge of {$580.00} charged to my credit card on XXXX/XXXX/2016 from an XXXX marriage agency. I told them I never received any service or merchandise from this marriage agency after my credit card was charged that amount. I told Capital One that I discovered this marriage agency operated from XXXX was a scam after I did a XXXX search and found out multiple complaints on the internet that this marriage agency was a scam. I sent in a letter along with evidence that I did not receive service or merchandise from this agency and I assert my rights under Fair Credit Billing Act. Capital One responded and said they received a " printout '' of this agency 's website stating that I agreed the charge was non-refundable. I wrote back to Capital One stating that I have never seen this website nor have any knowledge my charge was non-refundable. I asked Capital One to provide me proof from this agency that I signed any document agreeing to this false claim or that proof that I have seen the non-refundable policy website. I again assert my right under Fair Credit Billing Act that they have to do a thorough investigation and provided me proof I received any merchandise or service, which I never did. Capital One wrote back and said they charged back the {$580.00} to my credit card because they did not get a response from me. I sent them a " claims and Defenses '' letter again assert my rights under 12 CFR Part 1026 ( regulation Z ) and the Fair Credit Billing Act that this is a billing error and they fail to follow the laws to investigate my dispute and demand this charge to be removed from my account or labelled it as " dispute ''. They refuse and start collection process on me and threaten me they will ruin my credit if I do n't pay. I told them I can not pay them any money because I never received the merchandise or service. This whole thing is a scam. I demand to talk to their legal department and ask them to write me a letter stating their legal position. They refused.