davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX onTransunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX BALANCED {$2900.00} XXXX  XXXX BALANCED {$640.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$0.00}
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-05
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: MOHELA (MD)

I have called XXXX, Mohela, XXXX XXXX, and XXXX XXXX. Nobody can tell me whats going on. First, the two loans that were with XXXX, that are reporting me late were consolidated. They were for XXXX XXXX university that was part of the XXXX XXXX XXXXXXXX settlement and should not be on my credit report. But this is the biggest issue, Mohela doesnt have these consolidated loans that are reporting me late on my credit! Nobody can figure out whats going on. XXXX suggested I call borrowers defense however borrower defense said they can not help with my reporting. Mohela said they dont have these consolidated loans! SO WHERE ARE THEY? AND WHY ARE THEY ON MY CREDIT? Somebody please figure it out!
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has incorrect and outdated information on my credit report such as : past addresses, work history, credit accounts opened if my name fraudulently, and is allowing 3rd party lenders who view my report and send me offers even after I 've called the XXXX number and opted out.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-12-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MIDCOUNTRY FINANCIAL CORP (IL)

The creditor calls my workplace on several occassions knowing that it would be difficult in my work setting and my employer does not allow phone calls at work. The creditor also sent a letter to me stating that they will notify my employer of the debt in order to get payment in 5 days if i dont set up payment arrangements even after wage assignment had been withdrawn by me.
Consumer complaint received 2015-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed a Collection with Transunion. XXXX XXXX XXXX. # XXXX. The original account was with XXXX ; account # : XXXX ; it has been sold to XXXX XXXX XXXX, XXXX, I got the m to remove it, and then to XXXX XXXX XXXX and I believe a few other ones. Also, this account is not mine, I have already proved a few times, that this account belonged to a relative and they did not pay and for some reason, all of these companies have been trying to come after me. On XXXX XXXX, XXXX ; I already got Transunion to delete this alleged account from my file, because it was never mine and today ; now.. XXXX XXXX, XXXX ; they are stating XXXX XXXX XXXX is remaining on my credit report until XXXX XXXX. I am asking for your help, once again, CFPB has already helped me with this same issue and same original account number once before ; back in XXXX XXXX ; this issue was XXXX again removed with your help, it seems as if the account is being sold here and there and I am having to deal with this at least once a year. Please help me remove and please help me stop the collection agencies from repeating of selling this account. Again this is not my account and it never was my account. 

I do n't have a scanner ; but the original case # s were : XXXX and XXXX.
Consumer complaint received 2016-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

FedLoan Servicing has mislead me during a transition from Income Based Repayment ( IBR ) to Revised Pay As You Earn ( REPAYE ) and on whether the Standard Repayment Plan payments made during the transition would count toward Public Service Loan Forgiveness ( PSLF ). Before the transition, FedLoan Servicing explained that these would count and I was not informed that any applicable terms and conditions on the Standard Repayment Plan option would prevent them from counting. I was informed of the terms and conditions within the transitional repayment plan ( payment amount for 309 months was {$590.00} and the payment for the final month was {$580.00} ). I asked FedLoan Servicing that by opting to a Standard Repayment Plan during the transition, regardless of the months specified, on whether those payments would count toward PSLF. And they explained that such payments would count. If this would not have been the case, I would have requested the Reduced Payment Forbearance. 

Here were the XXXX : XX/XX/2016 - {$590.00} ( Standard Repayment Plan ) XX/XX/2016 - {$590.00} ( Standard Repayment Plan ) In addition, according to XXXX, " Payments you make under a 10-year Standard Repayment Plan or under any other Direct Loan Program repayment plan with payments that are at least equal to what you would have been required to pay under the 10-year Standard Repayment plan also count toward PSLF. '' In my view, either these XXXX should count toward PSLF or I should be issued a refund. 

Can this please be looked into? 

Thank you.
Consumer complaint received 2016-05-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX XXXX we purchased a home at XXXX XXXX XXXX XXXX XXXX XXXX obtained XXXX and XXXX loan with Countrywide. made our payments on time until in XXXX when discovered that Countrywide committed a fraud on our loan. By this time Bank of America have purchased countrywide loans. We contacted Bank of America and asked them by civil code to provide us with all the supportive documents that we submitted when originally applied for a loan. After several attempts Bo of A legal department could not provides us with documents requested but advised me to file a lawsuit and subpoena their file. We stopped making a monthly payments and preceded with a lawsuit. In XXXX XXXX XXXX Bank of America transferred /sold our XXXX loan to XXXX and on XXXX XXXX XXXX Charged it off. In XXXX I received a XXXX and a phone call that U.S. Department of Justice and XXXX XXXX XXXX XXXX XXXX including B of A. Our loan was modified. I am planning to sell the property and move to XXXX but second loan is still showing on a Deed. I need that remove and since Statue of limitation is over, loan was modified and I should not be responsible for the amount showing on a Deed. I need your help to clear my Deed
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is the 2nd time I have filed a complaint against Transunion. As usual the first time they did NOTHING that I requested for dispute resolution when I contacted this agency. All I asked for a reset of the credit history, since I knew they were violating US law. 

They did NOTHING of the sort and I know they did n't check all of the disputed items You got played like a fool but hey whats that saying good enough for government work? They sure did n't delete, anything acknowledge anything, nor erase what I asked them to as a clean credit history.
Consumer complaint received 2015-08-01
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (AL)

XX/XX/2012, I terminated an auto lease with Ally Financial. Because I was already in a Chapter XXXX bankruptcy, my attorney amended the current proceedings to include Ally. Ally agreed to the terms of that amended agreement but has continued to report to the credit bureaus a past due amount. I am attaching documents to substantiate my case.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX I transferred {$250.00} to my moms account at XXXX from my Bank of America accounts XXXX option. I send her money using this process about every month and sometimes more than once a month. This time the money did not go to her account, I checked with her for hours after the transfer. Thinking it may be a bank processing delay, I made the same transfer again for {$250.00} to her account name and phone number using Bank XXXX Americas XXXX option. This second time she did receive the transfer. By the next day the first {$250.00} had not been received and I have contacted Bank of America repeated times by phone and created claims to get help getting my money back. This is FRAUD. Bank of America has been very dismissive and saying I agree to their service and transfer made ; however when I provided all the details to both transactions they told me the first transfer went to a Bank of America XXXX account and that they couldnt do anything. They promise and advertise total protection and reassure clients they will protect our money from fraud and these type of problems. 
I believe they need to refund my money lost in their systems as part of my account protection ; and must have better protection for these transactions they provide service for thru their systems.
Consumer complaint received 2016-08-31
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SIERRA PACIFIC MORTGAGE (IN)

We submitted all our info and got preapproved. Completed application and all. Our broker thus decided to change jobs, he pulled our application and we have XXXX deposited with our builder and no longer have a mortgage. NMLS # XXXX We were due to break ground next week.
Consumer complaint received 2015-12-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

One Main Financial called my work and talked to one of the employees and said that their name was XXXX and needed an updated phone number for me the employee explained that she could n't give information out on employees and XXXX left her name and phone number so I could contact her. I contacted XXXX and she says I owe on a loan that I paid off in 2014 of XXXX online she said that was n't the pay off amount said I owed more than that. I told her I got a payoff qoete and paid it online and and sure that it was took care of! She continued to tell me I owe more money and asked if I was will to work something out because she already has papers to take it to court to file a law suit I explained that she needed to do what she had to do because I paid the loan in full! Then she proceeded to get angry so I hung up the phone. Yesterday they have called my phone on several acassions. I called them back and asked why would they call so many times when when I have already talked to someone and they have already said they have papers to take me to court? She got angry and said she 's only trying to do her job and hang up!
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (TX)

Opened an XXXX card and have been paying on time as well as using card for purchases american express started to remove features and other benefits from my card. As I do pay a member fee like all other members i expect to have the same benefits and features as those with the same card. After several long chats and calls they refuse to assist me as a member. After checking my credit and looking at what could cause this there was only one reason it was discriminatory on my race, religion or XXXX.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have multiple inquiries from he following companies - i did not authorize these requests for credit. I 'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed : 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 ) i would like them removed from my credit file
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I requested verification of collections/ negative accounts on my credit report and only received what looks like a printed statement. They did not properly validate the collections/negative accounts on my credit report. I requested removal if the accounts that could not be validated. They remain on my credit report.
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Approximately 1 1/2 years ago I submitted proof that I have no tax liens against me by suppling Fed tax lien release docs to all three reporting agencies. I also dispute any claims that I have unpaid or delinquent medical bills. There is nothing else that I am late with. I se3nt the letters by certified mail and to date, I have never heard from any of them. I will attach the docs that show the tax releases. I hope you can help me, as I am sure you are aware that it is very difficult to get any response from these agencies. 
Thank you for your help XXXX XXXX
Consumer complaint received 2023-08-05
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. (AL)

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 2017-02-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TN)

Hi I no longer have the vehicle and the Carsalesman is under federal investigation. He did all bogus paperwork. He got fired from the dealership for doing all fraudulent deals to get vehicles. I feel this should n't be on my credit it he is incarsurated for the crime. It is really bothering me I ca n't get another vehicle and I have serious health issues. I have contacted the dealership and they said they would sign statements allowing Santander USA to know what happened. I have disputed it on all XXXX credit beraus. Please help
Consumer complaint received 2015-11-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

I had a car loan with Santander Consumer USA. I made a payment of {$450.00} while in the process of trading that vehicle for a new vehicle. My last statement had a " estimate payoff '' of {$18000.00}, however that week, the dealership payoff amount was {$18000.00} not including the amount I had just paid. I proceeded with the trade financed by XXXX XXXX. I was told by the dealership the difference from the payment I made would be refunded to me. Since then I contacted Santander USA after receiving a payoff statement. They could not tell anything because the account was closed.
Consumer complaint received 2015-10-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

I moved out of this apartment complex in XXXX XXXX. The reason was due to the lasting effects of XXXX fires in the apartment above me. The first fire was above my kitchen area, and the second happened above the back bedroom. The events were caused by XXXX different tenants. Due to the water damage, I lost everything and was never compensated by the XXXX apartments, nor by the tenants that caused the fire. The unit I resided in became infested with roaches, and I had to get rid of all our belongings. The super, XXXX XXXX, said to me too bad you do n't have renter 's insurance. Then, I was relocated to another apartment while the repairs were done in my unit. This caused another issue ; the apartment complex wanted to charge me for the electric bill on the loaner apartment, as well as the bill in my unit. Therefore, I could not afford to pay the rent and XXXX utility bills, so the complex evicted me. XXXX apartment complex hired National credit systems to handle the collection process. This creditor has been reporting to all XXXX credit bureaus for over 7 years. I tried to resolve this issue XXXX and the following statements were communicated via XXXX processing. 
XXXX CASE # : XXXX web XXXX Case Received by XXXX XXXX Case Reviewed by XXXX XXXX EMAIL Send Acknowledgement to ConsumerXX/XX/XXXX XXXX EMAIL Notify Business of DisputeXX/XX/XXXX WEB XXXX RECEIVE BUSINESS RESPONSE : Thank you for contacting our office. We reported this consumer in default in XXXX XXXX. If there is a seven year statute period, as she states, it would end in XXXX XXXX. Thank you. 
XXXX/XXXX/XXXX XXXX EMAIL Forward Business response to ConsumerXX/XX/XXXX WEB XXXX CONSUMER REBUTTAL TO BUSINESS RESPONSE : ( The consumer indicated he/she DID NOT accept the response from the business. ) the company has not agreed to remove its claws from my credit report, the law states up to 7 years and not until 7 yrs has passed. i am not an indentured servant and i will not be penalized for the miserable time i spent in that apartment for another year. 
XXXX/XXXX/XXXX XXXX EMAIL Forward Consumer Rebuttal to BusinessXX/XX/XXXX WEB XXXX RECEIVED BUSINESS ' ADDITIONAL RESPONSE : Thank you for contacting our office. We reported this consumer in default in XXXX XXXX. If there is a seven year statute period, as she states, it would end in XXXX XXXX. Thank you. 
XXXX/XXXX/XXXX XXXX EMAIL Send Consumer Rebuttal - No New Offer - UNRESOLVEDXX/XX/XXXX Otto EMAIL Inform Business - Case Closed UNRESOLVEDXX/XX/XXXX XXXX XXXX Case Closed UNRESOLVEDXX/XX/XXXX XXXX ReOpen the ComplaintFurthermore, I am not requesting compensation for any damages or loss of personal property. I want them to simply stop harassing me via credit report inquiries, phone ( INCLUDING CELL PHONE ), or mail. I have been penalized enough, I am trying to move forward with my life.
Consumer complaint received 2015-06-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (FL)

American Express is claiming I owe them for a card. They have reported this on my credit report. I have never opened, or requested a card to be opened with them. The have not provided me anything with my signature showing i requested a card, they have not provided any proof showing where this card we deliveredd to, nor have they provided anything showing who signed for the card. they refuse to remove the reporting from my credit report. and XXXX and XXXX refuse to remove it. claiming it was verified. this is impossible As I did not open any account with American Express.
Consumer complaint received 2015-03-26
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

I was told by my bank that they did n't accept money orders via mobile upload. I did however upload them. I did n't see the deposits on my account so I went to a branch and had the deposited. Suntrust cashed XXXX sets of money orders and then they closed my account. After I withdrew {$1000.00} I had a balance of {$40.00} well they charged me all types of fees and told me the money orders were no good. I contacted the money order issuing company and confirmed the money orders were good. I have yet to see my {$40.00}