davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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. (CA)

I am writing to file a formal complaint regarding the unauthorized access of my credit report and to seek assistance in resolving this matter. Recently, I discovered that several sources have obtained my credit report without my consent or permission. I am deeply concerned about the ease with which my credit report was accessed and the subsequent negative impact it has had on my credit score. 

Upon reviewing my credit report through TransUnion 's online portal, I was shocked to see a substantial number of inquiries from sources that I did not authorize. This unexpected surge in inquiries has led to a significant drop in my credit score, which has been distressing and detrimental to my financial well-being. 

The unauthorized inquiries are as follows : 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 XXXXXX/XX/XXXX I am particularly alarmed by the fact that TransUnions verification process seems to be inadequate, as it allowed these entities to access my report without proper verification of my identity. This situation raises serious concerns about the security measures in place to protect consumer information.
Consumer complaint received 2024-09-06
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

XX/XX/2015, more than a month ago now, I completed a refinancing of an existing mortgage. The new lender transmitted the payoff amount to the old lender, Ditech. Ditech acknowledged receipt of the payoff amount, and they " closed '' my account. However, Ditech acknowledged that it owed me the balance in my escrow account, which is approximately {$1900.00}. To date, Ditech has not sent me a check for the escrow balance. I have attempted to contact Ditech but I have received no reply. Ditech understands that the escrow balance is due to be paid to me, not to my county/town tax authorities ; the new lender already paid the biannual payments which were due this month, and Ditech has been made aware of the tax payments. Please contact Ditech to demand that they send me the escrow balance without further delay. Thank you in advance for your help.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is really depressing, my loan applications are being turned down because of inaccuracies on my credit report. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.
Consumer complaint received 2024-09-06
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. (OH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2015-12-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (NY)

Flagstar Bank has violated the terms of the settlement with CFPB. I have not been turned over to another servicer. I have an FHA mortgage with Flagstar, and tried to get a DEED IN LIEU and FHA moving expenses approved, but Flagstar ignored my request repeatedly. We winded up moving out of the home and into an apartment for one year. Because of the refusal to advise and/or work with us, I filed a Chapter XXXX Bankruptcy. Home was discharged XXXX of XXXX. Flagstar Bank kept sending the normal letters of " HOW TO SAVE YOUR HOME FROM FORECLOSURE '' - with no mention of the discharge or anything. Finally - I have been given 90 days to pay the loan proceeds that are in default of {$480000.00}. Meanwhile the house is underwater and already discharged. 
I believe Flagstar Bank is going to recoup their " losses '' from FHA - since it 's an FHA loan. Flagstar Bank has also been the XXXX paying the taxes and insurance on the home as well. The entire 987 days I have been in default - Flagstar Bank has been paying the taxes and insurance. But completely IGNORED the Deed in Lieu - telling me over and over again ( falsely ) that my submissions were incomplete. Making me do a complete Financial overview process instead of accepting my Deed in Lieu offer. 
They have not started foreclosure as of yet - I only have a letter that I am at risk of losing home and to pay XXXX by XXXX XXXX XXXX to clear the default. I believe because I have an FHA mortgage, they know that any default they will be reimbursed by FHA. I also have a XXXX mortgage and Deed, with " XXXX '' listed as the investor.
Consumer complaint received 2024-09-06
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. (NY)

I recently reviewed my credit report and noticed an account that I did not apply for. The consumer reporting agency needs to report all information with complete accuracy. This account does not belong to me. I've attached a copy of my report to this complaint. I am now requesting you investigate and provide verifiable proof with record that this account belongs to me, I demand this account be updated. Thank you for your understanding and prompt action
Consumer complaint received 2015-11-08
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (NY)

Recently I had filed a complaint with your agency against Synchrony Bank XXXX regarding a {$25.00} Fee along with Interest charges applied XXXX my account for the XXXX Payment Method which according XXXX all of these Shop @ Home TV Programs are interest free & I believe I was Correct because Synchrony Credited back XXXX my XXXX Account all of the interest charges.So I decided XXXX check My Synchrony /XXXX or XXXX Acct and low and behold over {$450.00} in interest charges have been applied XXXX my account even though XXXX States on their program XXXX is Interest Free.
Consumer complaint received 2015-12-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (CA)

The month of XXXX 2015, I contacted XXXX XXXX ( XXXX ) that I am going to XXXX for 10 days and told them the countries that I am staying. I did not want to have problem when I am using my card out of the states. 
While I was in XXXX there were times that I could not use my card because they did not accept the charges. 
XXXX XXXX of 2015 I returned and few days later I got a call from XXXX that they have seen some activities that are not normal on my account. 
They read some of the charges and I told them that they were not mine. They indicated that when I receive the bill to fill up their paper work and send it back to the Fraud Department of XXXX. 
Since, I have mailed the same items 3 times. Once regular mail and XXXX registered mail. I have been on the phone with Fraud Department at least 2 times a month. Each time I called it had taken at lease XXXX to XXXX hours on the phone which as far as I am concern was wasted time. 
The issue has not been solved and they want more paper work and they claim either they do not have it or it is lost or they are behind in their work. 
They have been charging me interest and late payment and at one point they told me I am in collection. 
I am tired to deal with the Fraud Department and the people who ca n't read and count. 
I need help to deal with them and my attorney suggested to contact you. 
Please Help! 
Thanks,
Consumer complaint received 2016-02-13
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Walwick, Inc (CA)

My account for XXXX services I received from a local XXXX XXXX XXXX was placed at MERCHANT CREDIT Agency for collection. The information in my file contains my personal information including my SSN. Recently I have noticed suspicious active on my credit report in the time my account was place in MERCHANT CREDIT Agency. I have notified the credit reporting agencies and was advised to confirm that any third party that received my information in 2015 is compliant with 45 CFR Parts 160, 162, and 164 Health Insurance Reform : Security Standards ; Final Rule, Gramm-Leach-Bliley Act and California A.B. 964 and A.B. 964. I have made the request and MERCHANT CREDIT refuses to provide this information
Consumer complaint received 2016-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.C. System, Inc. (NY)

The collection agency gave away my personal information during verification. They gave my legal name and address to someone calling to make a payment. Then they refused to take the payment from that person. When they asked for a supervisor, they then hung up the phone. 

The call was on XXXX XXXX, at XXXX EST. The caller spoke to XXXX, then XXXX. The agents refused to give a reference number or interaction number for the call.
Consumer complaint received 2016-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (NJ)

On XXXX XXXX, XXXX, I terminated my checking account with Citibank, which had a {$300.00} line of credit. On that date, Citibank claimed that I owed them {$300.00} for automatic payments, which the bank has never paid. I therefore paid Citibank {$300.00} for the line of credit and {$2.00} interest from my XXXX XXXX checking account ( ending XXXX ) on XXXX XXXX, XXXX, and confirmed with the bank 's representative that I owed nothing else. 

Nevertheless, Citibank continues to claim that I owe them more than {$100.00}, which, the bank claims, has been accruing interest since XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received another letter from Citibank regarding the phantom debt and called their toll-free number. I spoke to a woman named XXXX ( ID # XXXX ) who told me, " [ Citibank ] has no record of your debt. '' I requested Citibank to immediately resolve the dispute in my favor and was given Citibank complain No. XXXX. 



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Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL (CA)

While checking my personal credit report, which I acquired from XXXX, I noticed an inquiry made by your company " SYNCB '' on XX/XX/XXXX and XX/XX/XXXX. 

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 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

I disputed this directly before, not thru CFPB. 
I attached my Equifax report from XXXX XXXX and then XXXX XXXX I also attached the XXXX case again regarding reporting status. 
Equifax " reverified '' the XXXX account, that 's fine, all they did was drop some of the reporting history from XXXX. Under XXXX, you ca n't report information during my Chapter XXXX even " status '' 1- Date of first delinquency XXXX, what do you think? does it match reported payment history? - all XXXX 's leading up to that date, maybe they are n't sure what XXXX '' means on their report? 
2- Date of last payment- again ca n't be during the Chapter XXXX XXXX Date closed- again ca n't be during the Chapter XXXX. 
Case Law and FCRA, seem like they have simple rules to follow, but then who really does that anymore? 
The XXXX XXXX account is simply the " status '', It is not a " charge off '' they sent me a settlement letter and I sent them a check. To be accurate, it would say 'settled for less than full balance. The current status indicates to anyone reviewing my credit report, that I simply ignored XXXX XXXX, when I found work again, I paid them what they asked.
Consumer complaint received 2015-09-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (LA)

I call then XXXX XXXX in 2013, after losing my job, to get a loan forbearance or something to postpone payments until I was able to get a job and get back on my feet. I was told by the representative that I had negative income and they could not help me. I luckily found a job a few weeks later, but I am not cut 20 % of my pay do to the current XXXX. I talked to now Navient last night about my current situation and they tell me I have enough disposable income to make their payments. So she told me that there was nothing they could do to help me. They would not listen to the medical bills I have accrued within the last year that I have to pay, but they are not a monthly expense, so they would not take it. I am currently two months behind on my vehicle note and one month behind on my mortgage. I am consistently behind on something every month so that I can try to catch up another. I can not ever get any help from these people. They always put it on my co-signer, who makes substantially less than I do. She used to help out when her husband worked XXXX, but now they both make just over mininum wage with their own bills to pay. My total bill keeps growing. Originally I owed {$21000.00}, now that has grown to {$32000.00}, with no end in site. I also have a recent federal consolidation loan through Navient ( $ XXXX ). And a prior student loan that I am paying to a collection agency for a company that went bankrupt called XXXX XXXX XXXX ( $ XXXX ).
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I went to check my XXXX score from the bank. I notice it took a hit so I look at credit report. There I discovered XXXX XXXX put a claim against me. I know this is false because I have had/ have XXXX for close to 14 years. It also showed I lived in California ; which is incorrect also ( only lived in XXXX states since I was born ). Both states are east coast. The day it was opened was XX/XX/XXXX, I have bank / debit information showing I was in town at that time. When me and my wife upgraded our phones late XXXX XXXX had us show Drivers License, Utility bill, etc. And had to sign tablet for contract. I can/ have provided where we pay for phones, cable, & internet with XXXX. When I contacted XXXX, experian, and XXXX they all said it was accurate. They need to show proof. I never would have thought how little the credit agencies really do not want to do their job. i will seek legal coucel to go after all XXXX companies that need to do better.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX 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 2015-06-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NC)

I have written Experian XXXX. I have included a copy of my drivers license, social security card, and even page XXXX of my current bank statement showing my name and residence. EXACTLY WHAT THEIR WEB SITE SAYS TO DO! 
The XXXX letter they said was suspicious and they refused to do anything. The XXXX letter they ignored me and did not even respond! I have heard stories and read news reports of abuses by these companies and I shocked that I am now a victim of them. I called the XXXX attorneys office and they suggested I file a complaint here and you would help me as this is a Federal issue.
Consumer complaint received 2015-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Berman & Rabin, P.A. (MI)

I called this attorney 's office and tried to explain that I know nothing about this nor did I receive anything. He hung up. I tried to call back and no answer. I feel this is a gimmick and unfair collection practice. 

My wife received a phone call from this same attorney a XXXX of months ago about some pay day loan she had and she has not worked for several years. When my wife started to cry because the gentleman kept saying that she owed this money, he said oh do n't cry please. I will have an attorney call you back. No one called back and I called and they hung up on me also. Have not heard from this office again on this particular issue.
Consumer complaint received 2015-11-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (FL)

Suntrust BankOn XXXX the XXXX I did receive a phone call around XXXX or may be later from the bank, the lady said that they have stop a credit card charge to my account for over XXXX I did said to her that I did not purchase anything, she said card ending XXXX, I did replied that I do n't have the card for long time, she ask for my XXXX number and I did explain that I do not remember and I was driving home that as soon as I arrive I will call back, and I did, I visit on Monday the XXXX the Branch on XXXX XXXX FL , where I get the first document, I did call the branch to not paid the charges, I went back to the branch on XXXX XXXX XXXX on Saturday XXXX and I e-mail back and forward by e-mails. I contact them until I received the letter r that my claim was denied and that was not XXXX charge was XXXX charges over XXXX as I can probe to the documentation attached. They have declined my claim. I need your help to reopen the claim since that they have no provided me with any information. I am there customer for over 20 years an as a customer I deserve a better service and security on my accounts. 
I did discover that there was XXXX active Debts card on my account under my name, and that is not a regular procedure on any bank. How there is possible that under a business XXXX person has XXXX card for over a period of time. There is not security at all.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX 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.

Experian 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