davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
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. (TX)

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. 

Account Name : XXXX  / XXXX  : Account Number : XXXX Account Name : XXXX / XXXX  : Account Number : XXXX Account Name : XXXX/XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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 2024-07-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association (TX)

I am writing to formally file a complaint against my mortgage company, HomeLoanServ, regarding their handling of my mortgage payment for XX/XX/2024. 

On XX/XX/2024, I notified HomeLoanServ that my payment would be posting late due to significant damages to my property in a XXXX disaster zone caused by a tornado in XX/XX/2024. Given these extraordinary circumstances, I requested a waiver for the late fee and asked that my late payment not be reported to the credit bureaus. My request was based on advice from the Department XXXX XXXX XXXX XXXX VA ), which recommended seeking forgiveness for this month due to the XXXX disaster area designation. 

Despite my situation and the VA 's guidance, I was informed by a representative of HomeLoanServ that my payment would be reported as late regardless of the circumstances. This response is deeply concerning, as it fails to consider the impact of the natural disaster on my ability to meet my financial obligations promptly. 

I believe that HomeLoanServ 's refusal to accommodate my reasonable request for a late fee waiver and protection from negative credit reporting in light of the disaster is both unfair and unjust. As a responsible homeowner facing unforeseen challenges due to the tornado, I have made every effort to manage my obligations during this difficult time. 

I am seeking the CFPB 's assistance in ensuring that HomeLoanServ : Waive and refund the late fee for my XXXX 2024 mortgage payment. 
Does not report the late payment to the credit bureaus, considering the extenuating circumstances related to the XXXX disaster zone. 
Furthermore, I request that the CFPB review HomeLoanServ 's policies and practices regarding customers affected by natural disasters to ensure they are compliant with applicable laws and regulations and that they provide appropriate support to their customers during such times.
Consumer complaint received 2021-03-11
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. (PR)

Since XX/XX/2020, I have filled 3 times a dispute asking for a removal of remarks of delinquency reported by XXXX XXXX. Each time TransUnion sends a letter with the resolution in my favor and an updated report. The problem is 30 days later the remarks appear again in my report. TransUnion says there is nothing they can do if the creditors send the remarks every month. This last part clearly violates federal regulations that states : " If the provider continues to report the item you disputed to a credit reporting company, it must let the credit reporting company know about your dispute. And if you are correct that is, if the information you dispute is found to be inaccurate or incomplete the information provider must tell the credit reporting company to update or delete the item. '' The item under dispute is a missed payment remark from XXXX when the loans were under forbearance. I have disputed this with XXXX without any luck, even though my evidence is a letter from them stating the the accounts were under forbearance in the same period they claim there is a missed payment.
Consumer complaint received 2024-07-07
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. (FL)

Transunion, XXXX, & XXXX are reporting 2 account listed as CHILDSUPPORT Account # XXXX and CHILD SUPPORT ENFORCEM Account # XXXX incorrectly there is no way that either consumer agency verified this account as accurate because courts are unable to released such information about court proceedings. The account is also listed twice on my consumer report which this is a violation of my consumer reports. XXXX as since deleted the account so the how is Transunion and XXXX verifying information that XXXX is not able to verify. This information is causing me damages because its messing up my credit score by having both account calculated into my score.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NJ)

MY ex XXXX XXXX has been holding my mail opening it and reading it. I finally placed a hold on my mail about a month ago He lives at XXXX XXXX XXXX XXXX XXXX NJ XXXX HE has been in my mail since XXXX. I have gotten another report from XXXX about my lease again They are going to repossse my car again This happened to me before because of him On my hold mail I get a letter from XXXX XXXX XXXX XXXX about being in arrears with my loan and Visa card I always had a good credit rating XXXX Now I get a letter from Discover that my credit rating is XXXX All this is because of him I complained to XXXX and they done nothing about him He pays people off to do his dirty work Legal Aid told me I cant do anything about him because he always uses third party He knew my XXXX XXXX XXXX had someone pulling it Then I learned he was sending all of my mail to his XXXX XXXX XXXX XXXX address He has ruined my credit rating And on my XXXX credit report last year he was still listed as my spouse I have been divorced from him since XXXX He does not work and lives off of me He has stolen my court documents my lawsuit and his sister XXXX XXXX XXXX changes things around on the computer for him He cant read or spell
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a new business bank account and a couple days later is was closed and flagged for fraud for no reason. Thats fine I just want my money back. I visited the bank and they refused to help me and asked me to call a XXXX number. Called the number and they could not help me either. Said they sent a check but I never received it. Said it would take 4.5 months to issue another check.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MD)

After having my account open for over a year it was canceled because they stated that I had XXXX accounts open under different names. I was told in order to reactivate my account I would simply need to fax my social security card and drivers license. I also provided my divorce decree to explain that my maiden name. I was told it would take a week to review the documentation provided and someone would call me with a decision. I waited over a week and called. Each person I have talked to since then has provided different excuse for why my account has yet to be reactivated.
Consumer complaint received 2021-06-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (PR)

Binance US has locked my funds for months. 

They have not answered my many emails. 

They say " withdrawals suspended due to risk management ''. 

This is money I need to pay bills, they are not letting me withdraw nor transfer out since XX/XX/XXXX. 

The latest day I tried to withdraw my money directly to my linked bank account was today and it was denied again. 

Please help in an urgent manner. They have been recently banned from XXXX and the XXXX. I fear a lot that my money has been lost forever. 

Thank you,
Consumer complaint received 2023-09-12
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)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance Owed : {$80.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (CA)

This complaint to XACTUS for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2021-06-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PR)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SOUTHSTATE CORPORATION (GA)

I talked to South state bank recently and told them that I couldn't pay back the {$680.00} dollars in overdraft fee because I didn't have the money to pay and back, I asked them to close the account and to pay off the overdraft fee for me since I couldn't pay it back and they refused
Consumer complaint received 2024-07-03
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. (LA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-02-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: First Equity Mortgage Bankers, Inc. (PR)

We began the process to purchase an apartment and signed an purchase option on XX/XX/XXXX. We submitted the application to the loan originator and in XX/XX/XXXX we received a Loan Estimate for a loan of 90 % of the Purchase Price that was the loan that was discussed with the loan originator. All documentation required was submitted to a loan that were pre-approved before we initialize the purchase process. 

On XX/XX/XXXX, and because the appraisal was received for a lower market value amount of the original Purchase Price, we agree with the seller and submitted an amendment to the Purchase Option Contract to reflect a new Purchase Price. After that change we did not receive a new Loan Estimate from the loan originator. 

The process continue and after all updates and documentation provided we received a call from the loan originator officer on XX/XX/XXXX that the loan was approved by the investor at 90 %, as primary residence, but the PMI insurance rejected the coverage due to the condominium can not be insured as primary residence. They give us the alternative and sent new Loan Estimates with loans at 80 % which represent a significant larger amount from us and differences in the closing costs from the original one.

I think is important to add, that from the beginning we made clear that we were not interested in a 80 % loan, so was for us a surprise that at the end of the process they are saying that we have approved a loan that can't be close and feel that we were tricked in the process. We rejected the new loans offer and we are losing the opportunity to buy the apartment. After the rejection of the new loans we had not received comments from the Mortgage Originator.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MD)

I've had Discover card XXXX XXXX XXXX XXXXXXXX for many years and rarely used it. Last year in XXXX I opted out of receiving Discover 's solicitations. I was not informed by Discover that in doing so, they would cease sending me statements where I could see if I had a balance due and by when it was due to be paid. In XX/XX/year> I went to make a purchase and realized I only had my Discover card on hand, so I made a small purchase of {$28.00} ( or {$38.00} ). I had forgotten about the purchase since I rely on receiving statements for my credit card bills so I can review them for accuracy and pay them before the due dates. It was only until I received a notice from my bank, XXXX XXXX XXXX XXXXXXXX program alerting me to a missed payment, that I was informed of the charge being past due. When I reviewed by Discover card account, I saw that they charged me a 100 % late fee for the missed payment and reported my account as delinquent/missed payment to the reporting agencies. I called Discover, disputed the late fee, noted that I had no other charges on the card, have never missed a payment to any of my creditors, and had an outstanding credit score. I demanded that Discover remove the late fee and retract the inaccurate reporting of me missing a payment, given that they on their own and without my consent stopped sending me account information - which they verified was because I opted out of receiving their marketing solicitations. They apologized and reimbursed me. I was told they have no way of retracting the misinformation they reported and RUINED my credit as a result.
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NH)

I am unable to withdraw, send, make purchases with or use my debit card against my Venmo balance. The company literally has told me that there are no issues with my account, it's just the system will not allow it right now, and I should try later. That's unacceptable. It's my money. They are not allowing me to access it and can't give me a reason why I cant.
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PR)

Store : Best Buy Order Number : XXXX XX/XX/XXXX : Make the purchase of a cooktop, with delivery and installation. 
XX/XX/XXXX : Date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : I call to appliances department for make a claim, because I need the money back in the Best Buy, credit card. The company fails several times.
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: CITIBANK, N.A. (NY)

I am personally lodging this complaint regarding late payment entries on my credit record. During a review of my files, I identified these late payment notations. Despite having sent correspondence about this issue over 30 days ago, I have not received any response, nor has satisfactory validation been provided. I am seeking your help to address and resolve this situation promptly and effectively.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CO)

On XXXX went to ATM to withdraw {$XXXX} for my car payment. Got Error from ATM money not dispensed. Called the ATM company and was told to filea regulation E-claim and would have my money back same day. 

Called chime told them and was told I'd have my money within XXXX hours. I've called them daily and they told me they are investigating and won't be resolved until XXXX XXXX this is fraud. They stole my {$XXXX} and I'm getting the run around.
Consumer complaint received 2024-06-28
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: Resurgent Capital Services L.P. (FL)

It's a credit card that doesn't belong to me, someone has opened multiple accounts in my name, using my social security number, I can't say when this took place, I have trying to tell the company it's not me, so now they are sueing me, the company XXXX XXXX XXXX {$930.00} XXXX learned about this account when I got a full credit report to look at my credit, I went to the police office, and they took a report, it's been some fraud someone is using my information
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PR)

Best Buy Visa Card was in XXXX balance. Today I received an account statement by mail. Statement up to date XXXX charged a total of {$4.00} for the following transactions : Date Transaction Charge - XXXX ... XXXX XXXX XXXX  XXXX ... .... {$2.00} - XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX ... ... {$1.00} - XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX ... ... {$1.00} I call Best Buy XXXX and report that I notice the above fee charged by them to my account for a transaction that I did not made or authorized. 
They give me the option to close the account. I agree to close the account. 
They told me they will make an investigation. I told them that I was worried of the card being used by other person or the possibility of identity theft. During the phone call some personal questions where made by them like my actives phone numbers, my address and to give a password for contact me for the future for the investigation. I told them to contact me by letter.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: B9, Inc. (KY)

I filed a complaint case number XXXX back on XXXX. The company XXXX responded with nothing but lies. Stating they don't have records of me calling 3 months in a row requesting a replacement debit card. I would like for all the voice recordings to be pulled regarding my account and that will prove exactly how many times a representative claimed they ordered a new card!! It will also show how many times I've asked to speak to a XXXX or supervisor and how long I was placed on hold and then disconnected. It will also prove how many times I've asked for the corporate phone number and they claimed they don't have it! It will also show how many times they just sat there and laughed. See the other complaint for all the charges
Consumer complaint received 2021-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My credit report shows hard inquiries i have not authorized. Also Auto loans i have not made are shown. I have repeatedly reported inhave been a victim of identity theft. All fraudulent records are dated XX/XX/2020. I have sent letters, made phone calls to all the institutions shown on my credit report that are related to the identity theft issue reported. I submitted a written dispute to TransUnion, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and to the Federal Trade Commission. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

I just received the results from the previous case I have reported XXXX. I want to re-open this case because I believe Im not responsible for paying unauthorized transactions with the amount of {$2200.00} that was charged on my credit card. I lost my credit card and someone got a hold of it and was able to use it, Im not responsible for those charges that were made. Ive had this issues with Wells Fargo and they did not believe me just because there was a previous case that happened before.