davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
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. (MO)

I am writing to formally express my frustration and dissatisfaction with the ongoing attempts to remove the charge-off account from my credit report. This marks the several time I have raised this issue, yet it still persists, greatly impacting my financial standing and opportunities. 

Despite providing all necessary documentation and evidence to support the removal of this charge-off account, it continues to appear on my credit report. This recurring issue is not only concerning but also deeply frustrating, as it undermines my efforts to improve my creditworthiness and financial stability. 

It is imperative that this matter is addressed promptly and effectively. I expect a thorough investigation into why the charge-off account persists on my credit report despite multiple attempts to rectify the situation. Additionally, I request transparency regarding the steps being taken to resolve this issue and a timeline for its resolution. With this, I am asking for your assistance to remove these accounts in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00}.
Consumer complaint received 2023-12-14
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. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution
Consumer complaint received 2023-08-21
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: General Motors Financial Company, Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-04-17
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)

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 

XXXX XXXX : opened XXXX XXXX, 2023 CAPITAL XXXX : Account number XXXX CAPITAL XXXX : Fraudulent Charges {$2900.00}
Consumer complaint received 2023-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I have requested that the debt be validated and investigated with Credit Acceptance Corporation. Which was never done. I am trying to by a house and they are reporting a debt that does not belong to me. 

Its saying that the debt was charged off but i never recieved a 1099-C Cancelation of debt because its not mine.

I demand under FCRA : Section 604 : Permissible Purpose My written authorization ( i would like it mailed to me please ) Proof that I personally initiated this inquiry to acquire such card show me last purchases Either provide me strict proof or DELETE the item immediately. If you do not delete the charge off in 15 days I will take legal action. 

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. 

If you ignore this letter and do not delete the charge off or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated. 

This is my last letter then I will promptly seek litigation. My attorneys are pending your reasonable response Thank you XXXX XXXX
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My ex-wife ended up using my capital one 360 account to make several payments to her credit cards. After she realized she used the wrong account she called me and told me and told her credit card companys however they told her I needed to work it out with capital one 360. I opened several claims ( Claim # XXXX for account ending in XXXX ) and told capital one these were unauthorized charges and needed to be kicked back to her credit card companies. There were other claims open as well however the rep I spoke with couldnt find them. I come to find out today they capital on denied my claims and stated I capital one I gave them authorization which I didnt. They pulled they call and told me I was right however they wouldnt reopen my claims of unauthorized credit card payments
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have not received any notice of sale from XXXX giving me the information about the amount deficit after they sold the vehicles in private auction. They refuse to give me any information and stated that they sold a vehicle worth at least XXXX for {$500.00} because no one purchased it from them. I asked for receipts from the XXXX and no one has responded to any of my request. I've submitted two complaints and I have not heard anything from the XXXX since my last email. XXXX XXXX the XXXX stated that they handled the situation correctly but as a consumer, I have a right to be informed that my vehicle is up for sale and if there is a possibility of redemption.
Consumer complaint received 2023-12-13
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. (FL)

XXXX XXXX and XXXX XXXX are FURNISHING LATE TRANSACTIONS on my consumer report and I DEMAND that you exclude the following transactions from my consumer report immediately on the basis of 15 USC 1681a Definitions ; Rules of Construction ( 2 ) EXCLUSIONS-CONSUMER REPORT DOES NOT INCLUDE ( A ) ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the consumer and the person making the report. I will be collections {$1000.00} per violation on my consumer report per 15 USC 1681n-Civil Liability for Willful Noncompliance if these transactions are not immediately removed! 


I have uploaded my DL for proof of identity ( address will be changed asap ) AND A COPY OF MY LEASE for proof of address so you can STOP stalling by asking for information that I had already sent on multiple disputes via certified mail, which I have proof of!
Consumer complaint received 2024-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Debt Recovery, Inc. (MT)

There was a claim filed on behalf of my deceased mother 's estate in the amount of {$91000.00} for XXXX  XXXX recovery program, I submitted a undue hardship waiver due to the fact myself XXXX XXXX nephew are currently living in the home
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (MA)

See attachment included below. 

In short, a presentment of tender of payment was made and I did not receive any notice that the presentment was dishonored. I asked for validation of debt, the company did not comply.
Consumer complaint received 2024-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (WV)

Bought a XXXX XXXX XXXX. Had some car lot. Then it was XXXX XXXX. Then went to credit acceptance. All kinds of hidden fees. Start of loan was XXXX. Which was way over priced. The explorer needs alignment. Had braking issues and now check engine light on. Believe the wheel bearings need replaced as well as some bushing to under carriage and some suspension issues. XXXX is what they offer for it. Owe XXXX. And then haven't seen any interest prices. Hidden fees. Junk automobiles. Need help or I'm screwed if I give back it will ruin my credit. And all this mess for XXXX bucks a month. For 7 Years. Need help. Have had it since XXXX. 3 months and still needs alignment. Feels like if I was to jerk the wheel the front end would flip the vehicle. Any thing. Advice XXXX  or phone number to someone who can help.. This is why everyone broke. It's dirty and a bad way to run a business.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I received 16 transactions Only one was refunded the {$2.00} 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 {$5.00} There was one additional {$2.00} charge but that one was refunded.

I also reported my card and had a new one sent
Consumer complaint received 2023-11-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: SANTANDER HOLDINGS USA, INC. (PA)

I went and opened a bank account and XXXX XXXX  and they took out XXXX page and didn't show me what it was then next thing I know their saying I owe them for a product they sent back and didn't tell me what it was
Consumer complaint received 2018-11-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (NY)

Ally closed my savings account on XX/XX/XXXX, with no notification. I went to transfer/withdraw my funds on XX/XX/XXXX, and my account was listed as closed. I called Ally, and the customer service rep didn't know why they closed it. She advised they mailed me a letter in the beginning of XXXX ... still don't have it, it's now XX/XX/XXXX. 

I contacted customer service again today, looking for my funds. They advised they posted a notification on their website about closing my account. I only use the mobile app, which they should know from their security logs. The rep walked me through accessing on the mobile app, and guess what? No notifications.. " oh that's odd, sometimes we have problems with the mobile app '' I was never notified, never communicated with, never told Ally would close my account. 

Further, I not only have missing funds but I have two direct deposits going in this week. Ally refuses to help in anyway. The agent tonight, XXXX from Arizona, confirmed that Ally closed my savings account as I used my savings account too much. Ally is attempting to use Regulation D, however, regulation D doesn't specifically say my account has to be closed. It could have been converted to a different account type, that option would have been much more customer centric. 

I've called into ally many times over the past 2 months ... not once did anyone ever notify me that I was in jeopardy of having my account closed due to using XXXX to send money to a XXXX woman, nor did they tell me I use my savings account too often. 

Also, XXXX from Arizona let me know about the systems limitations at Ally and what she told me does not match the resiliency information filed with the Fed.
Consumer complaint received 2023-11-30
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 (FL)

I have {$3900.00} worth of charges on my Wells Fargo Visa credit card that I didn't place. I've disputed the transaction with Wells Fargo but they've denied it twice saying the the credit card chip was used at the location therefore it had to be me. The place it was used at is called XXXX XXXX XXXX. When I XXXX this place, the only thing that comes up is an Instagram account for a food truck called XXXX XXXX XXXX  located in XXXX XXXX or XXXX, Florida. The transactions were for {$1000.00}, {$500.00}, {$900.00}, {$1000.00} and {$500.00} all made on XX/XX/2023. This was a Sunday so I do have XXXX rides made that day to XXXX XXXX and back home. If I had the time those purchases were made I could probably prove I wasn't at that location but Wells Fargo couldn't provide that for me.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-18
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. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-04-18
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. (TX)

XXXX XXXX : Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

My mortgage was purchased from another lender by XXXX mortgage. I do all my billing online and set automatic payments and XXXX  paper statements and had a XXXX XXXX XXXX. They wrongfully placed an escrow account on my mortgage with force-placed insurance when I already had insurance on the property. I did not realize they had done this until my credit score started plummeting with late payments due to them changing my mortgage amount to include an escrow account that was and should be principal and interest only. I sent them the documents to confirm I had insurance on the home and they refunded the force placed insurance but did not remove the escrow, late payments nor did they put my account back to its original state. I spoke to XXXX person that said it takes time for an escrow analysis. Theyve now begun rejecting my mortgage payments and Id like all the negative reports removed from my credit and my account restored to its original status.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NY)

Mohela placed me in administrative forbearance without a request from me. I am on autopay, so my interest rate is 8 %. However, when Mohela put me in forbearance they jacked the interest up to 8.25 %. I called and asked for the forbearance to be removed and was told it would be. It wasn't, and I made a manual payment for XXXX. Supposedly, the forbearance was to expire on XX/XX/29 ; however, as of today my account is still in forbearance and interest is still being calculated at 8.25 %. I have sent two emails to Mohela about this but I have yet to get a response.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

I submitted my Public Student Loan Forgiveness application to MOHELA on XX/XX/XXXX. On the website it states up to 30 calendar days for processing. I called after 21 days to check on the status and I was told it is now 30-45 calendar days for processing. I called back again today ( XX/XX/XXXX ) and was just told it is up to 45 business days for processing. Meanwhile on the website it still clearly states 30 calendar days. I am very worried about the consistency and ultimate processing of my application.
Consumer complaint received 2023-08-01
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. (NC)

XXXX XXXX XXXX Dated : XX/XX/2021 I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-04-18
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. (MO)

I am writing in response to your recent communication regarding my submitted CFPB Complaint concerning unauthorized hard inquiries appearing on my credit report. 

I am concerned about the thoroughness of your review process, as my original complaint ( ID : XXXX ) included all necessary documents such as my identification, full name, and proof of address. Despite this, it seems there may have been oversights in the examination of these details, prompting me to reiterate them within this letter for your reference. Enclosed are the details and documents that you are asking for.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX We are in receipt of your attached letter that was forwarded to us from Bank of America. The partnership with Bank of America was dissolved and XXXX was assigned your merchant processing account in XXXX. Bank of America would have communicated in the spring of XXXX the changes and reassignment of your account. Please contact Bank of America to request a copy of the letter. 
I have attached copies of your XXXX and XX/XX/XXXX merchant statements at which time you can see the transition took place as your monthly statements changed from Bank of America to XXXX. 

I can not address the bank policies regarding large debits however I can explain the debits we made to your account. Please review your XXXX and XX/XX/XXXX statements, also attached. 
In XX/XX/XXXX your account received a chargeback stating the transaction of {$10000.00} was fraud/unauthorized. Please see the chargeback documentation attached. Per your account set up, chargebacks are emailed. There is no recourse through the card brands. If you believe this is a valid charge you would need to contact your customer/cardholder to resolve. I see no further chargebacks during this time frame. If you received additional chargebacks, please specify date, amount, and chargeback number if available.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I've been a long time Wells Fargo customer and I opened my accounts a long time ago. When I opened my accounts, i was told that my accounts would never be charged a fee. That has been true all these years but just recently they started charging me fees on my two checking accounts and my savings account as well.

These fees are the monthly service fees that I was told many years ago would never happen and now suddenly they started appearing on my 2 checking accounts and 1 savings account.
Consumer complaint received 2024-04-18
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 RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

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