davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MN)

On XX/XX/23 my account was frozen because I received a direct deposit from my daughter 's father 's payroll that did not have my name attached to it. They sent an email stating I needed to provide proof of my identity so they could " investigate '', and I provided photo of my driver 's license. I also called customer service to clarify what was being investigated, but they couldn't give me any information and told me I needed to correspond with their " special investigation team '' via email if I wanted more information. I sent another email asking if they had received my last email with my driver 's license photos, and asked what they were investigating and how long does it take, and what I could do to expedite the process. After several hours with no response I launched a XXXX  with them, with the same explanation. " We don't have any information for you, you need to speak with the special review team via email. '' The next day ( XX/XX/23 ) there was still no email response. I emailed again, pleading that they grant me access to the funds that were in my account prior to the deposit, and just hold the " suspicious '' deposit if they were still needing to review or investigate. No response. I chatted online with member support mentioning the same to the rep I was chatting with that I did in the email I sent, she told me there was nothing she could tell me or do, but she would " escalate '' my review to get me help a little faster. I didn't receive any response XX/XX/XXXX or XX/XX/XXXX ( Saturday and Sunday ), and no response by Monday morning. So Monday ( XX/XX/XXXX ) I called again, same response as before, asked to speak with a manager and there wasn't anyone available. I was told the manager would send me an email ASAP. I went to work, still no response from a manager by late XX/XX/XXXX. I called again and spoke with a manager who told me the same thing the other reps did. No answers, no resolution. I called XXXX at XXXX and asked to speak with a manager right away. He told me that they would escalate my case to high priority and I would hear something back from the investigating team in the next few hours. I told him that they had six hours to respond to me or I was going to close my account. Of course, no response. XXXX I called to close my account. The rep said because my account was being investigated I could not close my account. I asked to speak to a manager. The manager said the same. I told him I wanted a check mailed to me in the amount of money I had in my account prior to the questionable deposit, and to return the funds from the deposit to the depositor. He told me he could not do that, there were no answers he could give me, and hung up on me because our phone call was " no longer productive ''.
Consumer complaint received 2023-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am writing to address an issue regarding my credit report. It has come to my attention that a number of creditors have accessed my credit report without my permission, or without my knowledge of your company being involved. According to the Fair Credit Reporting Act, creditors have an obligation to provide me with a notice before accessing my credit report or making a decision based on it. 

I would like to emphasize that I did not authorize these companies to access my credit report, and I never given permission for these creditors to be on my credit report or access my credit information. As a result, I kindly request that you remove any information regarding these companies from my credit report immediately. 

I understand that under the Fair Credit Reporting Act, derogatory information can remain on my credit report for up to seven years. However, in this case, since your company accessed my credit report without my consent or knowledge, I believe it is unjust to have this information on my report. 

I expect prompt action on your part to rectify this situation. Please provide me with written confirmation once the unauthorized information has been removed from my credit report. Additionally, I would appreciate a detailed explanation as to how this unauthorized access occurred and steps taken to prevent such incidents in the future. 


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 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hello to whom it may concern, I heard about this website from a friend that had some issues with a collection company in the past and I wanted to reach out to you all because this company has been reporting an old XXXX bill on my credit report for the past few years. I had gotten them removed MULTIPLE times and they are persistent in coming back onto my report! 

Firstly, they have no right to sell my information or purchase it without my consent and this is a completely different company that is collecting this SUPPOSED bill that I definitely do not owe! They need to show some proof of anything and they have not and they continuously keep reporting on my profile. If this does not change I plan on pursuing legal help in the following few months because it is really impacting my credit! 

Please reach out to them and let them know I want this removed permanently or there will be a lawsuit pending because this is ridiculous. Thank you. Below is the account number attached to my profile. Please remove. 

XXXX  ACCT # : XXXX XXXX XXXX.
Consumer complaint received 2017-04-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MIDFIRST BANK (MD)

Do to wage loss- we fell behind and currently have a foreclosure date of XX/XX/XXXX. Midland Mortgage has not been very helpful w/ providing assistance. In XX/XX/XXXX, the rep said my only 2 options were 1 ) pay the balance in full or 2 ) get a short sale. Not until I called in XX/XX/XXXX w/ a HUD Counselor that they considered another option of partial claim. After applying & weeks of waiting- now they have stopped processing because my income is insufficient for partial claim. It should not have taken 3 weeks to review my pay stubs to determine that .... before making me gather all my bills, etc. Also, in XX/XX/XXXX they told me XX/XX/XXXX was my last modification and I have to wait until XX/XX/XXXX to apply for a new one. Technically, that would be XX/XX/XXXX. Only today, they changed it to say 2 yrs from the recorded date which is unknown to them??? " You can re-apply in XX/XX/XXXX and maybe we 'll be able to process it then '' she said- so uncaring. I have a foreclosure date of XX/XX/XXXX. What if it was recorded 2 months later? My house will be gone by then? I 've had this home for almost 20 yrs. And do n't want to lose it. Although it takes 6 weeks on average to record a deed, the purchase date is always used because that 's when you became the owner, responsible, etc. Everything is settled at closing ... not when recorded.
Consumer complaint received 2023-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

We were contacted by a Citizens Bank XXXXXXXX XXXX ( where we do our private banking ) in the Spring of 2023 about the benefits of rolling an open HELOC into a mortgage on a property that is held in an irrevocable trust. I am the Trustee and Beneficiary of this Trust. I was adamant that we did not want to pursue a mortgage, as the Trust needed to remain intact. The Loan officer badgered me repeatedly and then contacted my husband- who is listed on our personal joint bank accounts ( NOT on the Trust accounts ) and badgered him about the Mortgage benefits claiming repeatedly that processing a Mortgage on the Trust property would not impact the Trust. In XX/XX/2023, he wrote " Your second concern is that the HELOC is held in an irrevocable trust. There is no effect at all to the trust or the taxes by doing this transaction. HELOCS and mortgages are treated the exact same way. Your title will remain the same and your tax write off will remain the same. '' He repeatedly noted that " he does this all the time, '' and then convinced us to pursue a Mortgage. We spent time and money going through the Mortgage application process, only to discover in XX/XX/2023 that the house would have to be taken out of the Trust in order to open the Mortgage, thereby breaking the Trust. At this point, I contacted our Family lawyer who explained that there was no way to take out a mortgage on this property in the state of Massachusetts without removing the property from the Trust. The Loan Officer lied to us, repeatedly. We halted the mortgage process immediately. At that point, we had already paid for an appraisal ( which we cancelled but still had to foot the bill for ) and then the cost of consultation with our family lawyer, who bills $ XXXX. We made financial decisions to consolidate other debt into the HELOC to roll into the Mortgage. We made these decisions based on the consistent and repeated advice of this Loan Officer for XXXX XXXX, an institution that we trusted. Since this incident, no one has apologized from the bank for wasting our time or the c. {$1000.00} we have spent on this process. 

This was the Loan Officer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Citizens XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Office XXXX Cell XXXX Fax XXXX citizensbank.com
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I contacted the company numerous times and I haven't gotten any response. They are violating my right. I never had any services from this company. 

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 purpose.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The XXXX XXXX account on all three of my Credit reports needs to be removed it has been 7 years and it was supposed to have aged off. I have brought to the attention of all three credit agencies and nothing has been done.
Consumer complaint received 2017-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I was trying to improve my  credit s  core an d disputed a charge off from   XX/XX/XXXX   that was charged off but then paid to  XXXX  in    XX/XX/XXXX .   within the next couple of months I receive a collection notice from  Portfolio Recovery Assoc . saying I owed. I disputed with them and submitted   all the paperwork. They denied it only showing the   XX/XX/XXXX  a mount they did not acknowledge the  21  payments of  XXXX  per month that was reported to the Credit Bureaus. from   XX/XX/XXXX  to  XX/XX/XXXX  . They informed me to take it up with  XXXX  of which I did.   as I am disputing with  XXXX   Portfolio is sending  me more notices that this is my debt. I disputed it again sending it certified this time and once again they will not acknowledge the settlement made to  XXXX . In the process they have put this on my credit of which they said it would say disputing. That was false it is showing as my debt. I was in the process of refinancing my home and have had problems due to their accusations.
Consumer complaint received 2023-04-20
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/2023 I called XXXX XXXX to accept a settlement that was offered to me in XXXX of 2023. I was told they could no longer settle the account because they started an active wage garnishment. I have two issues with this. 

I was never provided a summons by this company so I was unaware of any judgements against me. The company claims a summons was handed directly to me, this is not correct. I would like proof of delivery. 

I spoke with this company many times and was trying to negotiate a settlement. I offered {$1000.00} and was told the client Capitol One refused to accept this offer. I was never once advised during my conversations with the company that my account was going to be submitted for garnishment if action wasn't taken. I had advised the company I had {$1000.00}, If I was properly advised the status of my account I would have figured out a way to come up with the extra money quicker. 

Since I was never properly informed of the intended action taken on this account, I was forced, or bullied, into paying the full balance plus an additional {$30.00} to wire transfer payment. This was the only way to prevent garnishments. It seems very deceptive that a settlement was available 2 weeks ago, but now there is no way for them to accept a settlement.
Consumer complaint received 2017-05-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

I made a payment to my mortgage company online on  XXXX / XXXX /  XXXX  . The online instructions said that because the payment was made on a Saturday, it would not post to my account until Monday  XXXX / XXXX /  XXXX  . They payment was posted and funds were successfully withdrawn from my checking account on  XXXX / XXXX /  XXXX  .     I have attached proof from my bank account showing the check was paid in full. This information has been provided to my loan servicer.     My mortgage company then reversed the payment and says that bank did not honor the online check. My mortgage is now showing  30+ day s past due and a late fee has been assessed.     I submitted proof that the funds successfully came out of my account on  XXXX / XXXX /  XXXX   and disputed the reversal. They keep telling me they are looking into it and have not made any corrections.
Consumer complaint received 2023-07-16
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. (AL)

is showing information that doesn't belong to me. I was contacted by a debt collector previously. I informed them that I had no outstanding balance with the company, but they convinced I did. I did not think about the call until last months when I obtained an annual credit report. I believe that I am a victim of ID fraud. I noticed several accounts that I did not initiate. A very scary situation. I want to remove all fraudulent accounts immediately. I need to have all unauthorized activity stopped now. I have since hired a monitoring service to help me recover from this unthinkable situation. Thank you in advance for your assistance. 

Accounts affected by XXXX Credit Card opened by thief : Company : XXXX XXXX XXXX Account Number : XXXX Balance : {$990.00} Company : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE : {$65.00} COMPANY : XXXX XXXX ACCOUNT NUMBER:XXXX Company : XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$990.00}
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (CA)

I was promised a new XXXX card to replace old card, which had been possibly used fraudulently. 
Talked to XXXXsBank XX/XX/XXXX. Assured delivery next day through XXXX. 
XXXX also provided delivery notice. 
No card. 
XXXX then notified me of delivery XX/XX/XXXX. XXXX. Same happened XXXX XXXX, and no card today. 
I was prevented from filing a claim with XXXX because they are awaiting delivery status. 
They said to contact sender, or US Bank. 
I called US bank customer service on the XXXX, being advised by XXXX that tracking was incorrect. 
I was insulted by XXXX in customer service. She said she couldnt and wouldnt go anything. She claims she is a supervisor. 
I have signed up for a call today from the bank, but I am being stood up, despite three confirmations from the bank. I can provide a confirmation # if desired. 
I want US Bank to get my new XXXX card to me. Alternatively, I will close all four accounts with the bank and transfer to another bank. 
I want them to cancel the card being supposedly shipped and issue a new card immediately. 
This has been 9 days! No one is responding! 
This bank is absolutely terrible in customer service. 
I intend to file a more egregious complaint with the Attorney General for fraud in advertising and the difficulty I had setting up a CD. It was appalling and was never corrected. 
XXXX XXXX
Consumer complaint received 2023-09-07
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. (TX)

CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent.

The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agencies immediately removed and blocked the fraudulent accounts when proper documentation was received which is what XXXX received. Maybe they arent familiar with XXXX or dont care about it but they are violating it nonetheless
Consumer complaint received 2023-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

Ive used Venmo, XXXX XXXX PayPal, XXXX and XXXX now for about 6 years. But Venmo is a regular online payment app that a lot of my customers end up paying me through. Well last week my regular customer went to send me what he owed me through Venmo and he has done that almost every single time, said it wouldnt let him sent it because my account wasnt accessible. So I looked and saw they froze my account. I got in contact with that multiple times and followed their instructions step by step and ended up sending them a copy of my legal drivers license. I was told within minutes that they received it and are reviewing it and should take long to be unfrozen. Its now been 4 days and I have had no response from them. Ive called 3 times just this morning because since they froze the account my cell phone was shut off and thats costing me an extra {$20.00} for the reinstatement fee. ( I was transferring money from my Venmo to my bank account to pay it ) and I finally got to talk to a normal human today and asked why it was frozen, ( XXXX ) told me that someone had tried to access my account, refused to tell me the region or the device used. If he would have I could either tell him, that was 100 % me personally or oh my XXXX, thank you for tracking that if it wasnt actually me. He kept interrupting me and when I told him to stop interrupting me while Im trying to explain things to you, he hung up on me. I called back and got through to another guy, ( XXXX ) tried to explain things and I asked if he could tell me why it was frozen, he says theres no possible way for us to see why it was frozen, only the account specialist can see that so I asked to have him transfer me to one and he said the specialists dont talk to the customers for any concerns so either him or XXXX XXXX straight to me. I then asked for his name towards the end of the conversation and he said Im not disclosing that, Im ending this call and hung up. Called again and got through to a lady and asked for the names of the last 2 guys I had been in contact with, she gave them to me. And I still have got no resolution for the issue they have caused me and still no email response, chat in the app response. Or anything! Absolutely 100 % HORRIBLE customer service and once its all handled I will NEVER EVER have anything in an account that involves Venmo.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following Names, Address and Phone number are being reported by the credit bureau Transunion which is violating Federal laws they are NOT me and All is incorrect and non deliverable. I called to get them removed around XXXX and I notice on the newer credit reports XXXX they were not removed..
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NY)

I made a deposit a while ago and somehow the check bounced and US Bank placed a hold on my account with out telling me anything. 
In the mean time i transferred in funds which they eagerly accepted. I treid to transfer funds from one account to the other and they did not let me do it so I called in and they said my account is restricted already for 10 days with out notifying me and they emailed a department that will reach out to me when they seem fit and the hung up!!!!!!!!!! 
See other users issues as well here https : XXXX
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX and XXXX credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX