davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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. (NJ)

Credit report contain multiple inaccurate account information which has been disputed multiple times however is still appearing on report after I ha e made nu.erous attempts to.have it verified and corrected, the credit bureaus are accepting a final bill as a verification of claimed debt and not confirming it is even legitimate.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Incorrect information is being displayed on my credit file. Which is in violation of the FAIR CREDIT REPORTING ACT, SECTION 609 & 623. I have contacted you about this information for over a year. that is way beyond the 30 days you are allotted by the law. 

XXXX. XXXX  XXXX XXXX ( closed account ) Account # : XXXX Payment history is being shown as " CO '' XXXX times when it should not be. The account was paid and should not longer be shown on my account at all. 

XXXX. XXXX XXXX XXXX  ( closed account ) Account # XXXX I have never had a personal loan. This information is fraudulent. so why is a fraudulent closed account being shown on my account. I reported the fraud months ago to every agency and it was removed by every other credit bureau but yours.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2017-05-03
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. (AZ)

Hello, My name is  XXXX   XXXX . I have a  XXXX  account : Account :  XXXX  Current Balance : {$21000.00} Past Due Amount : {$0.00} Current Amount Due : {$61.00} Payment Amount : {$61.00} Due Date: XXXX  I re-consolidated my loans after they were damaging my credit back in  XXXX  of   XXXX  . I have made my payments on time since then. I thought that everything was being handled but I was n't told about a loan for {$3300.00} that I had defaulted on twice. My credit report is reporting the loan at  XXXX  but when I reached out to them they stated that my debt to  XXXX  was at  XXXX . The  XXXX  account does n't list the loan! They also said I could not pay it over the internet, that I had to call and pay it over the phone.     This seems extremely predatory and I will call them and work to reestablish my credit, but others like me might not be able to because of these shady practices. Please let me know if you can assist me with this. I will cooperate as much as I can.       Thanks,  XXXX
Consumer complaint received 2017-05-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MT)

Wells   Fargo  bank NA has fraudulently tried on several occasions foreclose on a home in probate court and I  XXXX   XXXX   personal rep  of  XXXX   XXXX  my father hav made payments on paid all property taxes and insurance..well s Fargo c laims no  payments w ere made for 15 years since  XXXX  but I hav all proof my dead father and myself made payments since the original loan in  XXXX . I just had to pay  XXXX  to get the loan in my dead father 's name back open and out of default to secure my home me  n  my husband and  XXXX  children live in currently.  Wells Fargo  also put forced insurance and outrageous interest on the loan so the balance has never gone down or had a change unless it was increased for insurance premiums but my dad and me hav had insurance the whole time except around his death in  XXXX   XXXX . I need a representative to fight for the  XXXX  owed to my dead dad and I and what i hav paid on this account to secure this  XXXX  loan balance still since  XXXX .
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$19000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I am current on my mortgage, and I am struggling to make the payments. I applied for a modification and was denied. The reason for the denial was  XXXX  fold ; they stated I had a modification in   XXXX   and in   XXXX   XXXX  . In  XXXX , I made the  XXXX  trial payments but did not sign the final modification documents. I called Chase to discuss the modification proposal, and I was told by a representative to decline it. The representative stated that there was a balloon payment. I was confused and decided to seek the advice of a housing counselor. The counselor stated the modification was a good proposal, and suggested I accept it. When I contacted Chase, I was told it was considered declined and no longer available. I decided to dispute the decision on  XXXX / XXXX / XXXX . The housing counselor,  XXXX   XXXX , was told on  XXXX / XXXX / XXXX , I could not reapply until next year when the  XXXX  modification falls off. I did not officially have a modification in  XXXX   XXXX . I never signed the final modification documents. Ms.  XXXX  was told by  XXXX   XXXX , that Chase considers this to be a modification. This is incorrect and a false statement. Although Ms.  XXXX  was given this denial reason, I was told something different. I was told that the appraisal was higher, and that my home had too much equity to qualify. When I asked why there was an increase in the appraisal after a time period of less than  XXXX  days, I did not get a response. I have not made any additions on my home, and my property value has not increased. Chase has not and will not give a sufficient reason for the property appraisal increase. This is extremely disturbing as I was just approved, and now there is an unsubstantiated appraisal increase that Chase states disqualifies me. I am not being allowed to reapply. I am not delinquent, and I am not given any options other than a short sale or deed in lieu. My current housing ratio is 50 % and the back end ratio is over 100 %. I am in need of a program to help me save my home.
Consumer complaint received 2023-06-30
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. (NY)

Today is XX/XX/ and i was emailed that i had a recent hard inquiry. I have not applied for anything so i was confused. I call the number and it connects me to transunion. I call transunion directly to have it disputed they refuse to remove and provided no explanation as to why. They are being negligent in their duties when i call they inform me they can not submit a dispute for an hard inquiry only for accounts on the credit file. They state that they send notifications for inquires to the creditor and once that is done the creditor informs them on what to do with the inquiry. This is completely against federal law and they have with no problem at stated to me that they will break the law and have no issues
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

I refinanced my home with CashCall Mortgage in XX/XX/2019. They transferred loan servicing to XXXX effective with the first payment on XX/XX/2019. I set up autodraft for the payment, and the first payment was successful. Two weeks later I received notice that the loan had been sold to XXXX, and the servicing was now being transferred to XXXX XXXX   where I also set up a new autodraft. The notification from XXXX states in bold letters across the top : No action is required on your part. 

On XX/XX/2019, the prior servicer, XXXX, pulled a payment in the amount of {$3300.00} for a loan they no longer held servicing rights to. On XX/XX/2019, XXXX pulled their regularly scheduled payment as they now hold servicing rights to the loan. 

I contacted XXXX, authenticated in the IVR, opted to speak to an agent ( who required full authentication AGAIN with the same information! ), shared the information above and asked how this would be resolved. He said that since this was no longer showing as an active loan in the system, he had no information including the payment drawn on XXXX XXXX. He recommended that I write to XXXX to request a refund. 

I have reached out to XXXX as directed, and am also lodging a complaint here as this should not have been necessary on my part based on the formal letter received from XXXX.
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Seben Hospitality Investments LLC (CA)

Hello, I have recently made payment arrangements to this company who promised to get me immediate student loan debt relief and have a monthly payment fee of {$0.00}. Before any further action is taken, I have been asked to pay high fees in advance of {$200.00} a month for 5 months. Out of desperation I agreed because this was a referral from a friend of ours and I really needed help dealing with my student loans.   The company I am talking about is Helping Hand Consultants :  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , California,  XXXX  ;  XXXX   XXXX   XXXX . They ma naged to get direct access and control my Federal Student AID a ccount, while sending all my information to  XXXX  in which I was completely unaware of.    XXXX  is currently being sued by the CFPB for illegally cheating borrowers, and right now they constantly send me letters asking for payments on my federal student loans. I refuse to make payments through a loan servicer accused of illegal activities.   After doing research through the department of education, I realized that all the actions this company has been doing supposedly on my behalf can be done for free. Applying for student loan forgiveness and getting my student loans consolidated should have been free using  ED 's  free resources.   Helping Hand Consultants have been giving me lots of mixed answers to my question. I requested copies of documents that show proof of the new monthly payments for my student loans, but never received them. Eventually, I have been told by a different agent there that all my paperwork are to be received from  XXXX  from now on.   Please advise as to what I must do to resolve this issue.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a XXXX and have clients in XXXX that I've sold many XXXX to and am in a XXXX  XXXX position in terms of getting XXXX, XXXX and getting the XXXX to XXXX XXXX conditions. 
I hired XXXX XXXX XXXX to clean a vacant 1100 square foot condo that tenants left in very poor condition. A cleaning person that normally cleans occupied homes would not be able to handle the task. The vendor quoted me $ XXXX/hr for 2 people to clean. I agreed knowing that the price would be higher than average. I estimated 2 days cleaning of kitchen, 2 bathrooms and laundry room. 
XXXX XXXX XXXX said he wanted a credit card and I told him that I would pay him at the end of the job as I do with all my tradesmen. He insisted that he keep a card " on file ''. Since I've hired him before and he was cleaning for my good friend then, unfortunately I trusted him. However, in my mind he was keeping the card on file as a security deposit as a hotel, or car rental company does, in the event he doesn't get paid. 
I was leaving for vacation so I agreed to it. 
XXXX XXXX XXXX also informed me that he does " handyman '' work so while he's there he can address some of the items, to which I agreed since he would already be on the property. He told me $ XXXX/hr for 2 men. Again I trusted him. 
I didn't have an alert option on my card at the time and wasn't aware that he was placing enormous charges on my credit card without my knowledge and without consulting me while I was out of town. 
So the bottom line is that he placed {$4800.00} on my card. I cancelled the card when I discovered this. After much back and forth with MasterCard ( Capital One ) taking the charges off and putting them back on they sided with him. I gave them over 20 pages of documentation including other similar vendors estimates for the work and they only went with him providing the bank a copy of my text to him that the owner has agreed to the {$75.00} and {$65.00} per hour. He sent me a computer printout only ( not an itemized invoice ) that totaled 97 hours. 
I have hired an attorney to deal with him however as of this writing nothing has been resolved with the charges just back and forth letter communication. 
Florida Attorney Generals Office who also received a complaint from me suggested I also get in touch with you.
Consumer complaint received 2017-05-03
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I have had my mortgage loan with PennyMac since  XXXX  or  XXXX   XXXX  ( after transferred from the originating loan company  ) and know about calls when accounts are past due. On several occasions I requested no calls to my w ork and not to call my cell phone unless my account is over 30 days past due. I had been receiving calls on my cell phone and on approximately  XXXX   XXXX ,  XXXX , I received a call from a representative and advised that I had requested no calls on my cell phone and there are no other numbers to call me on ( including my work number ). I received an email forwarded between two departments at my job on  XXXX   XXXX ,  XXXX , stating, " For your handling. '' The forwarded email was from a voicemail left stating this was in reference to my home loan. The attachment is only the screen shot of how the voicemail was transcribed. The voicemail is from an actual person, not a recording. The voicemail was attached in the original email.     I have repeatedly told several reps on different occasions not to call me at work and I received this forwarded message and voicemail. My application with the company has my direct extension for messages such as this. I believe this violates FDCPA with third-party disclosure since the message was in reference to my home loan and not left on my direct voicemail, that identifies me by first and last name.
Consumer complaint received 2023-06-30
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. (CO)

In accordance with the Fair Credit report 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 XXXX -ACCT # XXXX ; Acct name : Dept of Education/XXXX Acct # XXXX ; Acct name XXXX XXXX XXXX ACCT # XXXX ; Acct name XXXX XXXX XXXX ; Acct name XXXX XXXX XXXX ; Acct name XXXX XXXX XXXX XXXX Acct name XXXX XXXX XXXX : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX Ref # XXXX ; XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX 15USC 1681 section 602 A. states I have the right to privacy.

15USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 7 years, 15 USC 1681a-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 2022-11-28
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. (FL)

XXXX XXXX XXXX A Reported : XXXX XXXX, XXXX - incorrectly reporting as *charged off as bad debt and sold to a another lenderXXXX. THIS WAS PAID IN FULL IN XXXX OF XXXX. I've made multiple requests for evidence of the charge off /pay history for which there has been no response for more than 60 days. Please delete the account in entirety or update the account information to PAID IN FULL. I've included a copy of my drivers license and bank statement as proof of payment.
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Account name : XXXX XXXX  Account number : XXXX I requested a thorough re-investigation on XXXX XXXX via certified mail for all 3 credit bureaus. This account is mine. My wife opened it up in XX/XX/XXXX as suggested when we were applying for a mortgage. I am only an authorized user. I did request that all dates, balances, numbers, payment history, etc. be verified and updated from all 3 bureaus, but there were inaccuracies still found on the new credit report for XXXX XXXX, XXXX. A few being that Transunion shows absolutely no data on the report, only on payment history, which are violations automatically. Balances, Date last reported, High credit, Credit limit, and all are not being reported the same from each bureau, which makes every line a violation according to FCRA. The account is paid in full by due date every month since weve had it, but XX/XX/XXXX and XX/XX/XXXX is not showing any data for it. Not only that, but my wifes credit report that was pulled also on both dates ( XXXX XXXX and XXXX XXXX ) is showing differently than whats reported on my account for XXXX XXXX. 

Im not asking that the account be deleted, just corrected, and monetary relief for the violations. It seems small, but because of credit issues, I no longer have a home for me and my family. I was denied housing because of all the inaccuracies on my credit history. Its been well over 30 days now, and the latter credit report is worse than the previous credit report. 
Tracking Number : XXXX XXXX XXXX XXXX XXXX ( Transunion ) : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX violated FCRA 15 USC 1681b permissable purpose of a consumer report. showing a late payment on XX/XX/21
Consumer complaint received 2023-06-30
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. (FL)

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 XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or 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 2017-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington  stopped allowing me access to my bank account because it was in the process of being closed due to an overdrawn balance. I could n't log in, gain access to online banking information, or even access my account number to make a deposit to bring the account current. I received no notification of this happening. No letter, no phone call, no email.     On Friday,  XXXX   XXXX , my employer sent a paycheck via direct deposit that was greater than the overdrawn balance. I contacted Huntington on  XXXX   XXXX , and they let me know the account was still NOT closed, just in the process of being closed, and that they would hold on to the additional funds for an undisclosed amount of time until they felt like sending the balance back to me via check. No one could tell me how long it would take or when the check would be processed.     It is alarming to me that I would not be allowed access to view details about an account that is technically still open, and that no one could tell me when the additional funds would be sent to me. I was told that they could hold the funds as long as they deemed necessary.