davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have called several times to Transunion,  XXXX , and   XXXX   and asked them to remove the hard inquires off of my credit report. I did not submit those inquiries. I have called the companies that they said to and they have absolutely no record of me doing it which means they have nothing to send to the credit bureaus to take them off. Transunion,  XXXX , and  XXXX  all refuse to take them off.     I am thoroughly frustrated with this! I want them to be taken OFF. All  XXXX  agencies have been completely uncooperative with this issue.
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

My mortgage is with  XXXX   XXXX   XXXX . They hired  Loan Care t o handle the escrow money up until   XXXX   XXXX   XXXX    , then  XXXX  hired  XXXX .    Loan Care pai d a real estate tax payment and withdrew the funds out of my escrow, the  City o f  XXXX  did not apply this money to my account. During this time  XXXX  noticed my RE Tax payment was late so they paid the late tax bill and withdrew the money out of my escrow account again not realizing that this is now a double payment.   I have the proof from the city that the money was never applied to my account and i have proof that the money was taken from my escrow twice.   I have tried to reach  Loan Care  and  XXXX   XXXX  has tried to reac h Loan Care. T hey are not returning my calls and they told  XXXX  that the payment was made with other tax payments in  XXXX  check but they are not going the extra step to either give me the check info so that i can research it or call the  City o f  XXXX  themselves to get this straightened out.   they owe me {$1600.00} plus late fees paid to the  City o f  XXXX  and interest to me.
Consumer complaint received 2017-05-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

Pressler and Pressler a ttorneys for   XXXX   XXXX   XXXX   XXXX   claim that a summons and complaint dated   XXXX   XXXX   was sent to an address on file for me in reference to a credit card debt with   XXXX   XXXX  . They are saying that I did not respond to the complaint and that a judgement was entered against me on   XXXX   XXXX   XXXX    .   The address that they are saying the complaint went to is not my address, I have never seen a copy of said judgement or amount claimed to be owed. The statute of limitation in NJ is 6 years so how can these people continue to harass me! I recently received a threatening letter telling me that my wages will be garnished if I do n't respond to this same allege debt and they also had the court freeze my bank account! There are no judgements listed on my credit reports against me and neither is this company with this allege debt.
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (SC)

On  X/XX/2017   , I lodged complaint no.  XXXX  regarding  Specialized Loan Servicing 's misappropriation of funds from my property tax escrow account in or der to disburse insurance premiu ms to ( 1 ) an insurer whose policy I intended to let expire and ( 2 ) a replacement insurance policy which I had already paid. Specialized persists in demanding that I repay the escrow shortage created by their error. I will attach to this complaint a copy of a letter I mailed to Specialized today detailing my efforts to have them rectify their error.
Consumer complaint received 2023-11-08
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. (TN)

I do not consent to electronic communications. I request all responses be in writing through the XXXX. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I filed a dispute and requested a removal from TransUnion for a tax lien on my credit report various times (  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  with no luck. TransUnion has not provided me with the information that states how they investigated this information to be accurate to continue to report on my credit report.     On my last letter I stated : The other main bureaus   XXXX    and  XXXX  DOES NOT show it. Is there something your agency knows that the other bureaus do not?     The following information, therefore, needs to be deleted from my credit report as soon as possible :  XXXX   XXXX  RECORDER #  XXXX  I require a response, on point, in writing, hand signed, and in a timely manner, agreeing to remove this listing from my credit report, and to cease all other types of communication with me. If I get another pointless letter from you saying that it has already been validated, then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against your company for violation of the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and Defamation.     I am not sure how the amount was calculated and the property mentioned I DO N'T even own it.     This inaccurate reporting has caused denials for credit cards, auto loans or mortgages.
Consumer complaint received 2019-10-23
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. (WA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2017-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (WA)

I sent and email t o US Ba nk requesting to have  XXXX  of the  XXXX  NSF charges that I have received removed since it shows proof on the transactions that I had enough funds to cover the transactions that I am now being charged {$100.00} ( {$36.00} *  XXXX  = {$100.00} ). Here is my email that I sent to  US  Bank : I am disputing  XXXX  NSF fees of {$36.00} these because at the time I withdrew the month on the  XXXX  there as money in the account to over these transactions. I am not disputing the other  XXXX  the other  XXXX  that were added on today  XXXX / XXXX /  XXXX   because that is my error. I can see by my transaction history on my account that I have included that there was a positive balance after that transaction was done. I am requesting  XXXX  of the  XXXX  NSF fees refunded back. Thank you for your time and consideration.      XXXX / XXXX /  XXXX   Atm Fee  XXXX   XXXX   XXXX   XXXX   XXXX  {$2.00} Balance {$120.00}  XXXX / XXXX /  XXXX   Atm Withdrawal  XXXX   XXXX   XXXX   XXXX   XXXX  {$42.00} Balance {$120.00}  XXXX / XXXX /  XXXX    Debit Purchase   XXXX   XXXX   XXXX   XXXX   XXXX  {$16.00} Balance {$160.00}  XXXX / XXXX /  XXXX   Debit Purchase -visa   XXXX   XXXX   XXXX   XXXX  Wa {$7.00} Balance {$180.00} This is US Ba nk response   XXXX  Hello  XXXX ,  Im s  or ry to hear of the difficulty youve experienced with your account. I can certainly explain why the fees were assessed, to help prevent this in the future. Items on your account are paid based on the available balance. This balance includes check card authorizations, as well as any unavailable funds from a deposit. The fees assessed on  XXXX  were the result of transactions that posted on  XXXX . Your available balance ending this date was - {$240.00}, due to unavailable card authorizations at the ATM totaling {$360.00}. I 'm sorry for this reason we are unable to waive the fees on the account.     You can view your available balance by selecting the blue circle next to the running balance when you 're logged into  your Online Bankin g on the full site.       Now I use my mobile app to view my account and balance and what my pending charges are and what my current balance is available. Its obvious on the statement that I will provide that I received off the website online that the amounts were taken out of the positive balance and the only items that should have been charged a NSF fee is the ones in the read which I take responsibility for.     As you can see by the statement I was charged  XXXX  for {$7.00},  XXXX ,  XXXX   XXXX  not usbank atm charge. Those transactions clearly show a positive balance after it was withdrawn dated  XXXX / XXXX /  XXXX   per the statement I have supplied.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

Recently while observing m y credit score a nd account overview on my  XXXX   XXXX  app, I came across  XXXX  hard inquiry listings on both my  XXXX  and   XXXX    reports. On my   XXXX   report, there is an inquiry dated from  XXXX   XXXX ,  XXXX  and the inquiry is with Syncb/amazon. This was never an authorized inquiry, no r one that I have ever been familiar with. I would like it removed from my credit score, as it states  the estimated removal date is  XXXX  of  XXXX . The other hard inquiry, which is on my   XXXX   report is an inquiry from  XXXX   XXXX ,  XXXX , which once again is an unauthorized and unfamiliar inquiry on my behalf that I would like to have removed from my  credit score. This spe cific inquiry states it is from  XXXX   (   XXXX   XXXX   XXXX   XXXX  . ) a nd will be removed at an estimated date of  XXXX   XXXX .
Consumer complaint received 2017-05-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I bank with  USAA, they h ave no branches in my location and offer mobile deposit. On  XXXX   XXXX  I used this feature to deposit money orders since I am unable to deposit cash. I wrote a check for my ren t. USAA decided  to put a hold on the guaranteed funds. They sent me a message today saying I had insufficient funds, but my available amount is more than the check I wrote. This has caused a major problem with me and my landlord. I have copied the message to this form.      One or  more transactions resulted in nonsufficient funds to the account below : Date :  XXXX / XXXX / 17  Account ending in :  XXXX  Overdraft protection : None Nonsufficient amount : {$1700.00} Available balance : {$1900.00} Details : CHECK #  XXXX  You can avoid returned items by setting up overdraft protection. It takes only minutes and becomes effective w ithin two to three busi ness days.
Consumer complaint received 2017-05-16
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. (PA)

An account Last Reported on   XXXX   XXXX   XXXX     by the  Collection Agency  called  XXXX   XXXX   XXXX   XXXX  from the Original Creditor  XXXX  still has not been removed from Transunion! I has already been removed from   XXXX   and  XXXX  and yet i am still here fighting with Transunion! They do not care that their reportings can affect you in everyway possible form jobs to housing and everything in between! This Is not right is is in no way legal. They should take tips from the ot her 2 agencys a nd take care of matters the right way and faster!
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Dear sir onXX/XX/XXXX I applied for a mortgage loan on a short sale for a condo at XXXX XXXX XXXX XXXX XXXX XXXX l the price was XXXX of which I was putting XXXX down. I used Bank of America as I have a XXXX XXXX act. XXXX was directed to XXXX XXXX XXXX at. XXXX XXXX XXXX ex XXXX who after checking my income said I quifled and was directed to loan staff who asked for a ton of paperwork like a year and a month of XXXX XXXX   statements-XXXX income tax papers they wanted me to explain the use of PO box I use 8  years, checks I wrote to a private party for 3 weeks rental in XXXX XXXX. They wanted to contact the owner of a private mobile home park that I rent a site in and said he never call back but did n't give him a ext. # They gave me 5 different loan offercers who ask me for material witch was already sent. XXXX XXXX who l had the most context with made me to believe once she received this or that the loan would be approved. XXXX XXXX led me to believed he was the prospered to close loan XXXX XXXX  who is a superviser # XXXX ex XXXX made me believed she could take care of things. XXXX XXXX to me she. Has e very thing she needed but soon dissapered. XXXX ext XXXX had a short life too. XX/XX/XXXX  XXXX XXXX sent a ciosing statement final figures TBD. On XX/XX/XXXXXXXX XXXX caiisd and  said w e had short sale approval. I had until XX/XX/XXXX to close on this condo. I received a call from XXXX XXXX telling me the area was not in a approved zone for a mortgage from them I believed because of my age XXXX they tried to discorge me after 10 weeks of paperwork they led me to believed approval was coming I stayed in motels wor weeks waiting for approval why would checking to see if condo was in a approved was one of the first things to do was n't done before all this time and expense was XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1692g, you are required to investigate and correct any inaccuracies on my credit report. I kindly request that you perform a thorough investigation into these items and make the necessary corrections. 

Please send me written confirmation once the inaccuracies have been resolved and my credit report has been updated. I would appreciate your prompt attention to this matter, as these errors are negatively affecting my credit score and overall financial health. 

ACCOUNTS : XXXX XXXX XXXX {$360.00} XXXX XXXX  {$330.00}
Consumer complaint received 2017-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I submitted the attached police report to all  XXXX  credit bureaus notifying them that I was a victim of identity theft and that the Bank of America account ending in  XXXX  that was reported as a charge off on my credit report with a balance of {$1500.00} was the result of a stolen credit card. I asked that this account be immediately removed from my credit file ; however, both  XXXX  and  XXXX  have refused to remove stating that Bank of America has confirmed that the charges are correct. I have attempted to follow up with Bank of America directly but every time I call in I am given the run around. Numerous agents have confirmed that not only are the charges fraudulent but nearly 75 % of the balance that is being reported is the result of their own late fees and interest charges assessed after I initially alerted them to the fraud on my account back in  XXXX   XXXX . It is my very strong belief that this balance is an attempt by Bank of America to extort money from its customers and that the resulting charge off was an act of retaliation by Bank of America as I have refused to pay any and all of this {$1500.00} balance. As evidence of this fact, since closing the account in  XXXX   XXXX , Bank of America has refused to further investigate the fraud claims made on this account, even porting the account balance ( without the actual transaction h istory ) to another acco unt number in order to mask the poor account management that has taken place here and continue to report this account to my credit report after I provided documentation with the credit reporting agencies as proof of the fraudulent activity on this account. Further, through the end of  XXXX  Bank of America management refused to answer any of my numerous inquiries and attempts to remove this account from my credit report. Again as evidence of this fact, I filed a Better Business Bureau complaint in  XXXX   XXXX , which also went unanswered.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

" I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report. "
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

I applied for an investment property mortgage with Quicken loans. I was told by the loan application processor that I had a range of options for determining my interest rate by selecting points that I paid or received. I selected to receive  XXXX  points credit in exchange for accepting the highest interest rate on the spectrum. When my interest rate lock came through, it listed me receiving  XXXX  points instead of the  XXXX  I was told I would receive. When the disclosure papers came through, it had me PAYING  XXXX  points with the still highest interest rate. I was told by  two different people at Quicken that it was just a simple error and they would correc t it. They took off the  XXXX  points, but offered me no credits. I then spoke to the  Director of Mortgage Banking at Quicken who ( verbally ) told  me that they could n't honor the  XXXX  points because it was an investment property but he would issue me a credit in the amount of {$1400.00} to pay application and processing fees. On the day of closing,  Quicken st onewalled my attorney and the title company about providing final closing numbers and delayed the closing by  three hours. By  the time the final numbers came in, the credit they issued was {$1100.00}, not {$1400.00}, or even the amount that was guaranteed in my rate lock paperwork which is now archived and inaccessible to me. The original amount I was told I would receive in credits was {$3700.00}, the points I was told I would be credited wa s ~ {$1 400.00} and the credit I was told I would receive was {$1400.00}. The person at  Quicken who submitted the final numbers did n't know anything about any credits beyond the {$1100.00} and the Director of Mortgage Banking did not return my call when I tried to get clarification at closing. Quicken loans acted dishonestly and in bad faith   throughout this process.
Consumer complaint received 2017-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (AR)

I believe santander consumer is in violation of repossession back  in 2013. I also have tried to contact them in regards to receiving an itemized billing and payment history. They are sending me letters and harassing me as bills sent to my address are in correct and ruining my credit score since ive had them finan ce the car by  XXXX  Alabama. they do n't answer my phone calls and just made a payment that does n't reflect my account. This company is a scam.