davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
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. (AZ)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2017-03-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cooling & Winter LLC (MS)

XXXX is the company I work for, sent a letter of garnishment from Cooling & Winter, LLc for XXXX. I pulled my credit report to see what was going on and I had XXXX out standing tax liens on the property I lived in before it was foreclosed. 
I called the tax office for the county and they informed me no tax owed. So I called company payroll to see if i could get a copy of the paper work they received to garnish my wages. I have a copy and it states I owe XXXX dollars. The total debt on my credit report does not add up to this amount including student loans. So this stinks of foul play. I called Cooling and Winters a week ago with my call back information and i have not heard from them. I need to know why is my pay being garnished, no debtors have sent me information about this debt for that amount and how do I get my money back.
Consumer complaint received 2016-06-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

XX/XX/XXXX our mortgage was transferred from XXXX XXXX to Carrington Mortgage. We started to get all the paperwork regarding the transfer and on XXXX XXXX we got some more information. On the XXXX XXXX at XXXX I called XXXX. The call lasted 6 minutes and 37 seconds. I will be attaching a screenshot of that phone call log that I took on my phone. What I was calling to ask about was how this works as I have never had a mortgage change financial institutions before and there was some verbiage in there about 60 days and I needed to know what that meant. When I asked about this letter and what the numbers meant I was told i had 60 days to make a payment. Which would make it XXXX XXXX my first payment was due. The lady on the phone confirmed and repeated that. So I took that as i did not have to make my first payment until XXXX XXXX. Fast forward to Some time in XXXX and I get a letter that we are past due on our first payment. I then called in to ask about this letter and I explain to this person that I called back in XXXX and was told my first payment was not due until XXXX XXXX. They said that was incorrect and that it is due now. The person on the phone said they would start an investigation into this. I did not hear back for a month. I called back and they said they never found that call on my account. I had to gather all my evidence and send it to XXXX XXXX fax ) which was their research team. I got on XXXX XXXX from their research team that they received my request. It also mentioned that we owed XXXX Soon after I got a letter from their research team saying they can not find my call. We then agreed that i would make payments to catch up and it would go into an unapplied balance and when that unapplied balance reached the amount due it would be used to pay that. So now fast forward to XXXX and me and my wife are trying to buy a car for her that gets better mileage as she will be driving to school a couple times a week. We get our credit report and our score is very low. Turns outs Carrington Mortgage has reported us 3-4 times for being late on payment even though they agreed that would n't be the case as long as i made these payments. This in turn has killed our credit and is stopping the ability for us to get a good loan for a car for my wife to go to school in. I had to borrow money to pay off the rest of the loan now that I know that they will keep reporting me. Carrington Mortgage has lied to me to many times and they are not trustworthy. I do n't believe they have my best interest and hope to get out as soon as I can.
Consumer complaint received 2016-09-02
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (MO)

I went to US bank to get a new debit card ordered. they calimed to have ordered a card for me. I later found out that was a lie and no card was ever ordered. While at the bank the bank manager told me i qualified for a refinance on my home loan. he took some basic information and ran my credit with out my permission. He later told me i did not qualify for the refi that he already stated i did qualify for. He said he could get me loan against my brokerage account. he ran my credit again without my permission. i contacted both him and his underwriter and neither would return my calls. after filing a complaint with us bank about this they sent me a letter saying i was denied a loan. i never applied for any loan. my credit was run without my permisson twice XXXX XXXX 2015 and again on XXXX XXXX 2015. Also how could i be denied a loan for XXXX if i have over XXXX in collateral. im appalled the underhanded way they did business as well as how the manager treats bank customers. the branch manager was XXXX and the branch was us bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX and Phone : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

On XXXX/XXXX/XXXX I cashed a check at US Bank in XXXX, CA and found that {$100.00} was withdrawal on XXXX/XXXX/XXXX from our checking account in XXXX XXXX, CA. Fraud was committed! 
I spent 3 hours with my local branch and did not receive a resolution after talking with the chief officer, XXXX XXXX. 
The whole matter could have been resolved if she had checked my wife 's signature on file with that on the counter withdraw slip issued in XXXX XXXX on XXXX/XXXX/XXXX. 
My wife did not withdraw the {$100.00} because : 1. We live in XXXX, CA which is almost XXXX miles away from XXXX, CA. 
2. Non-stop flight time is 1.5 hours ; much longer for driving time : my wife does not drive! 
3. Scammer negotiate the withdraw around XXXX XXXX and earliest that he ( she ) would be in XXXX would be very past XXXX XXXX. 
4. We checked out at XXXX XXXX at XXXX XXXX and at XXXX at XXXX ; XXXX XXXX see receipts. 
5. We did not go to either US Bank on XXXX/XXXX/XXXX. 
5. Comparing the two signatures : fake and real : Fake : loop on XXXX is on the left ; rise from XXXX is up, slope on XXXX is slanted up ; XXXX is wrong : should be XXXX ; XXXX is run together, XXXX does not match. Real signature is the opposite. Check the enclose sample of both documents.
Consumer complaint received 2015-06-04
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP (IN)

I received a letter from " Customer Care '' in regards to my Elan credit card. The letter was about a refund in regards to the following link : XXXXI checked my credit card statement and noticed they refunded me {$1.00}. I called both " Customer Care '' and Elan and neither could tell me how the refund was calculated or tell me how much I had been charged for the services I did n't receive. They basically said that 's your refund and be happy with it. The supervisor at Elan told me that Elan had nothing to do with this and she had no idea how the refund was calculated and basically that it was n't their fault. Some type of account review or calculation had to be done to determine the amount of each refund. I think as a consumer who was affected by this, I should be allowed to see how they calculated my refund. And also they should have to show me exactly when I was charged and how much. The people I spoke to at Elan are just passing the responsibility and claiming ignorance of the situation.
Consumer complaint received 2016-10-18
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (CA)

I bought several gift cards as gifts and kept XXXX for personal use. When I went to register my prepaid card I noticed that it had been fraudulently used and immediately called the company. After hours of time explaining the situation and long holds, I was told they could not do anything about it and would need to fax over information, affidavits all of which I did. After many numerous follow up phone calls the representative said it could take 90 days to receive a response from the mechant and another 90 days for review. This process has been discriminatory as I 've received nothing but the runaround. When I 'm on the phone with them, they place me on hold, they will not give me their last name or supervisors name or number. They have horrible customer service and have yet to have resolution on my prepaid visa card that I 've bought months ago.
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

trying to get my credit score. they are asking me questions to verify my identity. but i can not answer their questions about my current mortgage and credit cards because i do not know anything about them. someone has stolen my identity and is using my credit, but i ca n't get a copy of my credit report to find out what is going on.
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

My house is in foreclosure. I received an extension for the sale date of my home for XXXX XXXX, 2015. XXXX XXXX, 2015 An '' Affidavit of Legal Publication - NTC OF SALE ON XXXX AT XXXX '' was entered into the court official records. XXXX XXXX, 2015 I received a loan modification approval letter for my Trial Period Plan. The XXXX of XXXX payments was made on time and receipt was confirmed by Chase.
Consumer complaint received 2024-10-14
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 looked at my report back on XX/XX/year> to see results from investigation and I noticed they didn't update or modify my account according to 15USC 168 ( i ) 5that 's a violation of multiple laws remove these accounts from my credit report.And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account 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 open date is not reporting correctly, date last active, date of last payment is not correct, status, this account is not accurate. account VisionsFCU # XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. accounXXXX XXXX # XXXX, # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. account XXXX # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. account XXXX # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. account XXXX # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. XXXX XXXX # XXXX open date is not reporting correctly, date last active, date of last payment this account is not reporting accurate. XXXX XXXX  # XXXX date is not reporting correctly, date last active, date of last payment this account is not reporting accurate. XXXX # XXXX open date isnot reporting correctly, date last active, date of last payment this account is not reporting accurate. I got the copy of my report and investigation back but noticed nothing was modified or updated according to 15 USC 1681 ( 5 ) I also never received the requested details of there investigation how they investigated and how did they verify and when and with whom. They did not provide it to me which is a violation of 15 USC 1681 ( 7 ). I did not receive description or details of the investigation per my request.
Consumer complaint received 2024-08-23
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. (IN)

The credit bureaus stated everything was properly investigated. But how is that possible if the open date, date of last activity and much more is not accurate.. 

In accordance with the Fair Credit Reporting Act. The ground for removal has also violated my rights under 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 US.C : 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The credit bureaus took more than 30 days to complete my investigation. 


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 According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-09-28
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. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-10-14
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. (CA)

This is my numerous requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (TX)

I contacted XXXX XXXX concerning a credit card that I have with them ( I am an authorized user ). XXXX XXXX has been reporting the usage of this card to XXXX and XXXX but NOT to Experian. The good usage of this account shows favorable on my XXXX and XXXX reports, but its absence on Experian has my scores unbalanced, and this is negatively affecting my score averages so I can pursue a new mortgage. 

I requested that XXXX XXXX confirm that they would report the correct and timely information to the Experian credit bureau. They first stated that they were reporting the account correctly ( see their letter dated XX/XX/2023 ). But I called to let them know ( again ) that the issue is with them not reporting the card 's activity to Experian. I need it reported to ALL three bureaus. 

I received confirmation from them via letter dated XX/XX/2023 stating that they would report the information to Experian, but they have failed to comply. I need the assistance of the CFPB to ensure XXXX XXXXXXXX reports the card activity to XXXX, XXXX... AND Experian.
Consumer complaint received 2015-06-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

Banks are not being fair about charging fees to an individuals account. I have several transactions going in and out of my account. I have several overdraft fees on my account. WHY do they allow transactions to go through when i dont have money available? Is that so they can grab XXXX $ from multiple hard working citizens ... I want all of my overdraft fees returned. I call customer service but thats hardly what it is ... they just treat you like another number and pass you around or just say im sorry my system isnt allowing me to reverse anything. Again why do transaction go through when i dont have money available. I have allot of transactions on my account and if you dont want to lose my business and that taking my account and credit cards to other companies, you reverse all my fees immediately. IF not i will go to the Attorney General and OCCs office along with the BBB.
Consumer complaint received 2023-09-28
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. (CA)

Back in XX/XX/2023 I reviewed my TransUnion credit report and noticed an account that did not belong to me. I began by contacting TransUnion by phone with their fraud department to alert them of this incorrect information and that my social security number was compromised during a data breach. They proceeded with telling me i had to submit a letter and FTC report. I went on the FTC website and filed my fraud report. I sent my letter and this FTC report to TransUnion on XX/XX/2023. Following my letter the fraudulent account was not removed and all they told me it was verified, but they did not supply any type of proof to support this claim. I called the creditor directly and they do not have my address or correct name so how is it that this account belong to me. I do not recognize it and it does not relate to any transactions i have made or authorized. Accourding to the FCRA laws : Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ). FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts. FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting. XXXX is violating all of these laws and they should be held accountable for their inaccurate reporting!
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

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 2023-09-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC (NM)

We closed on the sale of our property XX/XX/2023. On XX/XX/2023, XXXX XXXX received a XXXX in the mail for the remaining XXXX XXXX XXXX  and escrow balance of a total XXXX. The XXXX was made payable to both parties on the loan XXXX XXXX XXXX XXXX ). XXXX XXXX endorsed the check and proceeded to move back to XXXX. On XX/XX/2023, XXXX XXXX ' bank refused to deposit the XXXX in her individual bank account without XXXX XXXX being present ( he lives in XXXX ). XXXX XXXX and XXXX XXXX were not married and did not have a joint XXXX  account. XXXX XXXX called XXXX XXXX XXXXXXXX Shellpoint Mortgage Servicing XXXX XXXXXXXX. He explained the problem, they said they would need to conference both of us in because we both had to be " opted in '' to authorize an XXXX to be sent to XXXX XXXX ' bank account and would also need her bank info. After much trouble and several calls ( we had to explain our situation with every rep ) we could not talk to the same person each time we called or got cut-off. They said they are only an inbound call center. On XX/XX/2023, XXXX XXXX called them to find out why the XXXX had not been sent, Shellpoint made him call XXXX XXXX an a conference call. The rep we spoke with said the last rep on XX/XX/2023, forgot to " opt in '' XXXX XXXX. She assured us that we both were " opted in '' this time and our XXXX to XXXX XXXX bank account was being processed ( XXXX XXXX verified the bank info ). On XX/XX/2023, XXXX XXXX called to find out why the XXXX had not been sent. The rep that spoke to her said that the last rep did not " opt in " XXXX XXXX. We had to bring XXXX XXXX back on the line to " opt in '' for the XXXX. time. We were assured that we would have the XXXX in XXXX more business days. It is XX/XX/2023 and the ACH is not in the designated bank account.