davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  has reported information without my knowledgeThe Privacy Act of 1974, as amended, provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. " 15 usc 6802.d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.

( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ;
Consumer complaint received 2017-09-18
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. (IN)

XXXX, XXXX, and Transunion all showed my name and report as having an account with XXXX XXXX XXXX. Transunion dispute was good and the bad information was removed. XXXX  will not answer the phones and the on line service will not function at all. 

I have contacted XXXX Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but XXXX have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?
Consumer complaint received 2023-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

i purchased a XXXX XXXX XXXX from USA Auto sales in XX/XX/XXXX i received a letter from west lake portfolio in XX/XX/XXXX saying that i need to contact them about my vehicle an the loan amount was over {$10000.00} an to start paying them on XX/XX/XXXX i asked them how an why is the loan on my car that much they couldnt give a reasonable answer I asked about my contract i signed with usa auto I stated that it cant be that much i been paying my car since XXXX they stated that i have to pay them with in 30 days every two weeks XXXX just like i was paying usa auto sales.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below is the accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

I noticed that my Discover card was closed. I called and they informed me that it had been closed 5 days ago. I asked why it was closed and they said due to inactivity. They said that they normally inform customers that they would be closing the card for that reason but did not inform me. I can not open it back up without re applying. If I re apply, its a hard hit on my credit which lowers my score. Due to closing the account, the available balance is taken away from my overall available balance on my credit score, lowering it as well. 
They told me there i no way to re open the account.
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I entered the bank & was racially profiled just because of my cash balance being over a certain amount than the average customer. I have been a Chase customer for years & have not had this poor experience until now. I had a loan that was deposited into my account which had did a credit check under my name and SSN and Chase tells me we need to verify the funds and where this loan came from that I have to pay back under my name ( sole proprietor ) I was approved for it. I was told by the bank teller to provide an XXXX # and my business name. I provided everything they asked for ; went above and beyond. I went into the bank again on XX/XX/XXXX my account is still restricted! I also called the number for the Fraud Dpt that a banker from Chase private client gave me and an XXXX who was very rude on the phone, spoke over me while I was speaking and he hung up on me after waiting over an hour to speak to him said that my tax return is not needed. But the banker XXXX XXXX who assisted me inside the branch asked me for my tax return. I entered the bank again on XX/XX/XXXX and my account is still restricted. With all this run around and waste of my time I just want my bank accounts closed and I will do business elsewhere.
Consumer complaint received 2023-10-26
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: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RAB PERFORMANCE RECOVERIES, LLC (MI)

My husband and I had credit cards through XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX Bank, which was subsequently paid off with the XXXX loan. I received a judgment from RAB Performance Recoveries LLC for my credit card stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to XXXX XXXX XXXX XXXX XXXX to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. My account has been garnished repeatedly as well as my children 's savings accounts because my name is on them.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: LDF Holdings, LLC (KY)

I took a loan from Lendumo on XX/XX/2023 but the money did not arrive until XX/XX/2023, at which time I immediately repaid the loan, however, the company insists on me paying interest for 2 days that I did not have the money. In the loan agreement it states that I being accruing interest on the disbursement date, and that in some circumstances the funds are not deposited as expected, and in that case the " disbursement date '' will be automatically adjusted in the system when the funds are disbursed. I have repaid the {$2500.00} but was still charged {$84.00} in interest that I refuse to pay. 

I suspect they are doing this to many unfortunate consumers, collecting XXXX XXXX XXXX from struggling families across the nation. They are telling me if I refuse to pay this illegally generated interest that I will never be able to borrow money from them again. So if you refuse to abide by their fraudulent scheme you're penalized. 

This organization needs to be investigated, and consumers made aware that they could be paying interest that they do not owe.
Consumer complaint received 2024-04-10
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)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (MO)

I settled with a debt collection company on a debt originally owned by XXXX XXXX. The collection company is credit collection services. I paid the amount we agreed on to obtain a closed status on my account which I have not received. I have called multiple times trying to get them to change the status of my collection to close, they say they have but after 6 months the status of the collection is not reported as closed. They refuse to report the account properly as well as allowing me to escalate the issue within their own company telling me that I could not speak to their manager .I called their recorded line on XX/XX/2023 at precisely XXXX XXXX. It will continue to negatively effect me untill the status is changed to closed
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (CA)

Flagstar bank company opened my loan in Escrow basis and after I told them It's set up incorrectly they removed it from Escrow,. However, They mailed the escrow balance to a 3rd party. I called them multiple times and the last time after a long hold, they wanted to give me a third party number to call and ask them to return my money. I feel that they are resonsible to refund me for my escrow account and they failed to notify me for this wrongdoing. 

Thank you
Consumer complaint received 2024-04-10
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. (MI)

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 XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : Dept Of EDXXXX Account number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account number:XXXX Account Name XXXX XXXX XXXX XXXX Account number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  HAS VIOLATED MY RIGHTS!

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 an account without my written instructions.

16 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 adverse item of information, other than records of conviction of crimes which antedates the report by more then 10 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 2023-03-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

I opened two accounts with Citibank.

NRE and NRO accounts.

Citibank closed their operators in XXXX and I wanted to get the money returned. They are not returning the money. 
They claim that they have sent a Demand Draft on the XXXX XXXX XXXXXXXX. They provided a tracking number but i can not find the tracking information. 
I have sent multiple emails to them but of no avail. 

Savings a/c no. XXXX Savings a/c no. XXXX
Consumer complaint received 2024-04-10
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. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-04-10
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)

I am writing to express my grave concern and disappointment regarding the handling of the many attempts to remove fraudulent items. It is imperative to address this matter promptly and comprehensively to uphold the integrity and fairness of the process. 

Despite repeated attempts to remove fraudulent items, I am deeply troubled by the outcome of the many attempts. The persistence of these fraudulent items not only undermines the credibility of the process but also raises serious questions about the effectiveness of the measures in place to prevent such occurrences. 

Therefore, I urge you to conduct a thorough review of the many attempt to remove fraudulent items and identify the shortcomings that contributed to its failure. It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. 

In conclusion, I trust that you will give due consideration to this matter and take decisive action to rectify the shortcomings observed during the many attempts to remove fraudulent items. Failure to address these issues promptly not only compromises the integrity of the process but also undermines the trust. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (WA)

Two years in a row, LoanDepot has sent me notices saying that my homeowners hazard insurance policy is about to expire. My policy is in effect and paid up, and has never lapsed. The policy is through XXXX XXXX XXXX a company that uses modern information technology. Yet, according to loanDepot, they claim to have reached out to my insurance company and have been unsuccessful in obtaining a renewal or replacement policy. 

They provide a website URL for entering my policy information, but the website doesn't work on my XXXX. It does work on a desktop computer. Why would this be? I'm a XXXX XXXX who has built applications that run both on phones and tablets and desktop computers. It's not rocket science, which leads me to think they are deliberately creating hurdles for their own benefit. 

I have stayed on top of this, both last year and this, but I'm concerned about what LoanDepot might do if I happened to miss this notice, which arrives in my mailbox along with other notices from them, the majority of which are promotional in nature. 

If the consequences of not answering their request for proof of insurance were to charge me for a policy of their choosing, that would be a nice source of revenue for them. My suspicion is that they are preying on individuals who are not paying close attention, purely for profit.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (UT)

I did a remodification on my home loan with Wells Fargo two times to save my home from foreclosure. It was like ten or 8 years ago and unsure of the loan number. I owed maybe XXXX on my home but when I sold it for XXXX I was told I would only receive XXXX because of the loan modifications took must of my money.
Consumer complaint received 2024-04-10
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. (GA)

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  Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-04-10
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. (UT)

I am writing to express my deep dissatisfaction and frustration regarding the continued presence of fraudulent items on my account, despite many attempts to rectify the situation. This letter serves as a formal complaint regarding the second unsuccessful attempt to remove these fraudulent entries. 

Not only has this situation caused me significant stress and inconvenience, but it also calls into question the effectiveness and reliability of your institution 's security measures and procedures. As a customer, I rely on your institution to safeguard my financial interests and ensure the integrity of my accounts. The recurrence of fraudulent activity despite our efforts raises serious doubts about your institution 's ability to fulfill this responsibility. 

I urge you to take immediate action to address this matter comprehensively. This should include a thorough investigation into the root causes of the repeated failure to remove the fraudulent items, as well as the implementation of enhanced security measures to prevent similar incidents in the future. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$250000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00}.