davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION refuses to investigate without a recent letter from creditor.I have included attatched here XXXX bank 's letter of XX/XX/XXXX2016.I have also attached the most recent Transunion report ( not yet expired ) showing TRANSUNIONS erroneous reporting on XXXX Bank ACCOUNT XXXX. 
the payment history is incorrect, the letter shows the correct dofdXXXX, c/o which should be on the account reporting.Transunion must report an accurate dofd which they are not.ACCORDING TO FCRA LAW ATTATCHED TRANSUNION VIOLATES. 
THEY REFUSE TO INVESTIGATE, THEY MUST HAVE A DOFD, THE PAYMENT HISTORY IS MISLEADING, INCORRECT.THE AMOUNT OF LAST PAYMENT IS NOT XXXX BUT XXXX DOLLARS.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans-U is showing negative information that is over XXXX XXXX XXXX. Mortgage XXXX # XXXX - XXXX is over XXXX years old. XXXX XXXX XXXX XXXX LP is not showing up on either Equifax or Experian. They have already removed this ....
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On or around XX/XX/2019, I sent a letter to the alleged furnisher XXXX XXXX bankruptcy courthouse asking the clerk do they report bankruptcies to the credit bureaus? I received a letter stating They do not report any bankruptcies to anybody. So if thats the case, how did Transunion credit bureau verify a bankruptcy as 100 % Accurate on my credit report?? TRANSUNION never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Transunion and LCI also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

they did not delete a fraudulent collection on my report and they did not do a proper investigation. here is the following account Account info Account number XXXX Date opened XX/XX/2022 Account type Collection
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

TRANS UNION - I tried to look at my report, and screen blinked, and could only see it for a second. I tried again, and they we already gave you the report, when I did not get it. I sent a message to them, and I got a terse letter saying along the lines of 'too bad, we gave it to you, you can pay for another if you would like. ' XXXX - I get this message : A condition exists that prevents XXXX from being able to accept your request at this time. 
They say I have to mail in a request. I am now unable to get XXXX of the XXXX reports. 
I get all my reports quarterly, I am now XXXX reports behind.
Consumer complaint received 2022-06-21
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. (PA)

In accordance with the fair credit reporting act XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX. XXXX XXXX account # XXXX. 
XXXX account # XXXX. XXXX account # XXXX. 
XXXX account # XXXX. has violated my rights. 
15 usc 1681 section 602a stats i have right to privacy 15 usc 1681 section 604a section 2 stats consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MI)

I did not receive the last bill for purchases made at Macy 's. I received the next bill which included interest and a late charge which is due on XX/XX/XXXX 2017. Everyday since I received the second bill, I have received a robo call from them. I responded to the call and let them know that I directed my bank to have an automatic bill payment for the full amount within the week. I still continue to get these calls. I have excellent credit and have never had this kind of treatment from any creditor. This is unacceptable.
Consumer complaint received 2016-09-09
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Linear Title & Closing, Ltd (CO)

We are attempting to purchase a home using cash in which the deed is currently held by Linear Title of Middleton, RI. We have been under contract since XXXX XXXX and have been mislead by this company from day XXXX. We believe that there are some serious legality issues with how they list their properties. After reading reviews about this company online, it sounds like they are notorious for listing properties which they currently have no legal claim to ; basically they put these properties on the market before they have obtained proper ownership, and therefore have no legal claim to yet sell that real property. This causes the consumer to have extremely long closings that never should have happened if Linear would follow laws and guidelines stipulating when they can legally list properties for sale. We are now 2 months into closing, and there is no end in sight. It does n't appear Linear has done anything on this file and they have now stopped responding to emails, giving us any kind of update, or even providing me with the contact info of the foreclosure attorney handling our case so that I can reach out to determine when this will be finalized. I have had over $ XXXX cash wrapped up in earnest money for 2 months now that is just sitting in limbo as it appears nothing is happening with this file. It is completely unacceptable, and illegal, how this company conducts business. I can no longer afford to have that money out of my reach, this should have been resolved weeks ago. We have documented everything including contracts and emails stating timelines that were never followed. I 'd be curious to see if Linear Title actually held the deed to this house on XXXX XXXX, 2016 when we first went under contract. When dealing with something as important as a home purchase, I would certainly expect complete transparency and honesty from the title company ; they 're dealing with people 's livelihood 's and it 's an embarrassment how poorly they 've conducted themselves through this transaction.
Consumer complaint received 2016-06-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OH)

My complaint concerns Nissan Motor Acceptance Corporation 's ( NMAC ) inept handling of my automatic ( ACH ) payments for the payoff of my XXXX XXXX XXXX. I purchased my XXXX from a XXXX Ohio dealership in XXXX XXXX, and set up the simple interest loan amortization through NMAC. After my down payment and trade in, my loan balance was {$14000.00} with an interest rate of 3.27 %, and 4-year payment schedule of $ XXXX/mo. This was to be withdrawn from my checking account in monthly periodic payments until XXXX XXXX. 

Payments were made periodically and monthly in the amount of {$310.00} from XXXX XXXX until XXXX of XXXX, when NMAC, for some reason stopped using ACH as the withdrawal mechanism. I was unaware of this, as I made NO change to my checking account to withhold payments. We love the car and certainly want neither a repossession of nor a credit ding. 

Today ( XXXX/XXXX/XXXX ), I got a call from an NMAC account manager who expressed concern that my account was now in default and my credit score would suffer. This is came as quite a personal and disturbing shock, causing me to feel anxiety as to how to resolve this. I told the account manager that no action or inaction on my end deserved this kind of treatment, credit downgrade, or any other impending action, despite the account manager being quite diplomatic and responsive. My bank had indicated to me that the drop of the ACH would have had to come from NMAC as they made no change to the account. This bothered me a bit all mid-morning, including the possibility of a credit downgrade, and potential auto repossession. 

The account manager gave me a number and personal extension to call back to clear this up. Now, I had been making PRINCIPAL ONLY payments, since this year ( XXXX ) but for some reason NMAC was partially applying those payments to the " soon-to-be delinquent '' account. Well this is a shock and underscores the incompetent XXXX who " upgraded '' the NMAC system to the tune of {$10.00} XXXX ( nice job XXXX ). 

I will supply further information to the CFPB as this proceeds forward.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (VA)

Dear Sir / Madam : I am writing to request an investigation on CitiMortgage for breaching the contract on my Optional Agreement payment plan I opened on XXXX XXXX, XXXX included with my monthly mortgage payments. I was laid off my job I held for XXXX years due to downsize on XXXX/XXXX/XXXX. I called CitiMortgage to get information on how to process coverage. I was transferred to several different people in various departments trying to see what I should do. No one at Citi knew what I was talking about or knew what the options coverage or completion plan fee was on my monthly statement. I was then transferred and advised about only on an unemployment assistance program ( UP ) and sent the forms out to complete and return to them to pay {$1.00} per month for XXXX months and pay the balloon payment by XXXX XXXX, XXXX. 
I have never been late on my mortgage for the past XXXX years. I have use my savings, XXXX, Unemployment and borrowed money to pay my mortgage until my unemployment ran out. I was only offered this Unemployment program. When I was sent these forms for this program all I have experience is hardship from the various letters I have been receiving about this program. I have been charged with an appraisal fee 's, and sent various forms for Modification, letters thanking me for agreeing to participate in the program that I have not returned as well as pictures of other homes others homes in the area comparing to mine. I have had people taking pictures of my home and a real estate agent come to my home XXXX wanting to speak to me about selling my home. I am feeling victimized and Citi Mortgage trying to force me from my home. 
I have copied various forms to show but too many to add to this system. I have been receiving larger amounts for payment, increases on the escrow payments due changing and raising the amount due since I satisfied the payments. Please help this company is trying to take my home after XXXX years.
Consumer complaint received 2016-04-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (KY)

I took this car loan out XX/XX/XXXX. When the loan was taken out I advised that they can not call my place of employment under any circumstances. I put it on the application and all documents for me and my wife. I had to make a welcome call to GM and give them consent to call my cell, por and my wife 's cell. At which time I advised do not call either POE. Every month when I talked to them you have to verify your phone # and give consent to call. At which time myself or my wife would advise no calls to POE. The agent would always say it is marked. I had no issues until I became sick and fell behind. I kept in constant contact with GM advising of my issues and scheduled payments. I was sitting at my desk one day at work and an agent comes to get me and said the customer is asking to speak to you and will not give any information. I advised please transfer to my desk and I will talk to them. It was not a customer it was GM. They called into XXXX ( my employer ) through a customer line and asked for me until they were transferred to me. When they first called they heard the monitoring disclosure and each time an agent talked to them ( XXXX ) they heard this as well plus heard this from me. They knew they called a customer line and was being recorded. This is my issue. They knowingly with intent called the customer # to cause harm, embarrass, and put my job in jeopardy by calling. The call is recorded and over XXXX people are now privy to my personal information because GM broke the law by knowingly calling in on a customer line and pretending to be a XXXX customer to get to me. Issue XXXX on XXXX XXXX late night my vehicle was taken from my driveway. I thought it was stolen. No G M illegal repossessed my vehicle. I was late, yes I admit that I was 45 days late with a payment scheduled through GM XX/XX/XXXX. I was in constant contact with them and they were aware of the payment plan. They took the vehicle with no notice and a payment pending in their system which would have brought it less than 30 days delinquent. I want XXXX XXXX things to happen. 1 GM gives me all funds paid on the vehicle, takes it back and marks it as paid in full. 2 GM provides me with a paid in full letter and we go our separate ways. GM breached my confidentiality by calling in on a customer line where over XXXX people now have access to that call and personal information. If these XXXX options do not fit for them I am open to hear what they have to say. If need be I will sue for breaching my confidentiality willfully with the intent to cause harm.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is Ridiculous! This is now my second Complaint that I'm filing against XXXX XXXX XXXX XXXX XXXX and Equifax about IDENTITY THEFT. I sent XXXX XXXX  a certified letter on XX/XX/XXXX informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/XXXX at XXXX. As of today XX/XX/XXXX XXXX XXXX is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 

XXXX is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and Equifax is allowing this to stay on here. 
I provided XXXX and Equifax both with : 1 ) My police report when I found out about the ID theft.

2 ) My FTC ID Theft Report 3 ) The Certified Mail receipt from the letter I sent to XXXX XXXX and Equifax on XX/XX/XXXX. 
4 ) Proof of my Identity and address. 

This alone is proof that this account was opened Fraudulently and should be blocked. I have NEVER received goods, services or money from XXXX XXXX Bank NOR XXXX Funding. 

In response, XXXX continues to say that this Debt is valid because they got a " default judgement '' on a case that I didn't appear at because I did not have any notification about this. They sent a letter to an address I wasn't living at which is why I didn't know about this. They also say that I had a contract, initially, with XXXX XXXX bank. To this day I have not seen a contract, any signature or any legal information holding me responsible for this Fraudulent account. 

However, I did follow what the FTC Identity theft department informed me to do. 
I called XXXX XXXX Bank in XX/XX/XXXX and spoke with one of their agents and informed them about the Identity Theft and they said " they will notate it in their records but aren't the owners of this account and I would have to call XXXX Funding which I did. XXXX funding is trying to force me to be liable for an account that was acquired due to Identity Theft. I filled a report on XX/XX/XXXX because when I checked my credit report I had this account and several others and sent this out to the bureaus back in XXXX. Almost a year later XXXX and Equifax are totally disregarding the FCRA laws to Identity Theft. 

I expect this account to be blocked and removed from my credit report.
Consumer complaint received 2024-09-25
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)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo reached out to me about refinancing my mortgage in XX/XX/XXXX. At the time I was considering using my financial planner to help me with a loan. However the Wells woman confined me to go with them. I provided financial information to them in XX/XX/XXXX. They gave me a guaranteed rate through the end of XX/XX/XXXX. Interest rates then went up, so it is a very attractive rate. SInce then they have been stonewalling me, finding all sorts of excuses to delay the closing date. It appears to me that they would like to get out of their obligation so keep losing paper work, sending corrupt files to the underwriters, not telling me that some of the financials they have are dated until it is too late. This loan is less that 10 % of my net worth, the loan to value is 59 %, I have a nearly perfect credit score, and my investment income alone covers my interest costs. At this point no one at Wells is returning my real estate lawyers calls or my calls. It is two weeks away from XX/XX/XXXX, they know I will be out of the country from XX/XX/XXXX-XX/XX/XXXX and are now avoiding me. This is outrageous behavior.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Several violations are being broken and i tried to dispute a couple of times please help get these accounts removed as it is hurting my report by not reporting 100 % and should not be on there
Consumer complaint received 2021-11-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I mailed dispute letters to XXXX, equifax, and XXXX on XX/XX/21. It is now XX/XX/21 and I have yet to receive one response back. Per FCRA law, if the investigation takes over 30 days the credit bureaus are supposed to remove the disputed information. I am requesting that you enforce the 30 day rule and have XXXX, equifax, and XXXX  remove the accounts I disputed on XX/XX/21.