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: 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. (IN)

These consumer reporting agencies have infringed upon my right to privacy. I recently submitted a dispute explaining to them how so, and they still claim that the accounts disputed were verified and updated. I am requesting the method of verification. Today is XXXX, they have XXXX days.
Consumer complaint received 2023-06-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION (FL)

I bought a XXXX  XXXX XXXX it got totaled out and navy federal gap protection stated it would pay up to 150 % of the vehicle price if they would have done it my loan would have been cleared. They did not honor the gap they stole money out of my checking account to pay for the vehicle after it was a total loss, causing my accounts to become over drawn, they unjustly closed my credit card which all payments where on time and up to date and demanded i continue to pay if they done the same thing stole money from my account cause overdraft fees. Then they took the vehicle loan and turned it into an unsecured loan and charged that loan off destroying my credit not just with them but all credit bureaus. Each time I have an account with Navy federal there always seem to be outrageous overdraft fees on all my checking accounts because of some shady business practices the company uses. They target service member and veterans alike to join there company and then use corrupt business practices go over charge, and create undo debt on their members.
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. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2022-11-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO. (FL)

I inadvertently made two {$1000.00} payments to Chase on my Personal Line of Credit ( 1 ) on XX/XX/2022 and the second on XX/XX/2022. When I discovered that I " double paid '' I looked up my account online and saw that one of the payments had posted to the LOC at Chase and my balance was now just over {$7200.00} ( I have a {$10000.00} limit ). 

I intended to just transfer that first {$1000.00} back to my XXXX checking account - where it was paid from, but although they had posted my payment to the principal - the DID NOT make those funds available to me. I immediately contacted Chase this morning @ XXXX and spoke to CSR : XXXX in the XXXX, and XXXX told me that " because no payment was due at the time I made the payment online through Chase, they are not releasing the credit until my next due date which is in XXXX. 

So Chase has taken ( both ) my payments but will not make those funds available to me until my next payment due date. This is very wrong. Don't I have certain rights under Regulation Z and possibly E? Crediting of payments and availability of funds on an electronic transfer? How about XXXX???? There is nothing in any disclosure that states they will not make funds available until the NEXT payment due date.
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 — 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 : XXXXXXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account numberXXXX 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 XXXX 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 2018-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (GA)

I am making this complaint due to it now being 2 months trying to deal with Selene Finance on getting my mortgage up to date like it should. I was told that we had a shortage in our escrow originally for the amount of {$1400.00} in the month of XX/XX/XXXX. I was told that it would be broken down over 36 months and our mortgage payment would be recalculated to {$840.00}. I received a letter dated for XX/XX/2018 saying our shortage was {$1300.00} and that it was broken down over 36 months in the amount of {$38.00}. I then receive another letter dated for XX/XX/2018 saying our shortage was {$850.00} to then be told that now my payment that suppose to be {$840.00} is now {$1000.00} due to the {$850.00} but speaking with someone on the phone they tell me its due to the escrow being more than they thought when they actually had the bill 60 days in advance to XX/XX/2018 in which my insurance company XXXX XXXX told me as of XX/XX/2018. I was told over the phone 2 weeks ago that my insurance was left completely off my analysis but it actually wasn't. Selene sent me an email on XX/XX/2018 with the analysis that they were suppose to have sent out in XX/XX/XXXX that I didn't get until XX/XX/2018 when it was emailed to me for me to look at. I called in XX/XX/XXXX to make my mortgage payment to be told that I needed to make a payment of {$990.00} and that the money sitting in suspense would be added to get my payments back on track since the escrow issues have been showing behind. Well fast forward almost 3 weeks and nothing has been fixed. The account is now worse off than it was and I'm being told that I have no payment for XX/XX/XXXX which is clearly was paid and has come out of my account. This company refuses to allow me to speak with someone of management in the escalations department and continues to XXXX us up worse than we were. I have written so many letters and email with no response to my issues. I really need someone to hold Selene accountable for this behavior when we are doing everything that is asked and making our payments every month. I don't want to lose my home because we are dealing with a company who can care less and no one holds them accountable for their actions.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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  Account number:XXXX   Account name : XXXX/XXXX  Account number:XXXX  Account name : XXXX  Account number:XXXX  Account name : XXXX/XXXX  Account number:XXXX  Account name : XXXX XXXX XXXX Account number: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 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: FIRST NATIONAL BANK OF OMAHA (MD)

I received a credit through XXXX on a hotel in XXXX which I booked for months ago and paid my visa bill in full for it. My recent visa bill shows XXXX due and a credit of {$990.00}. My bill is due on the XXXX of each month and I pay each month in FULL the entire bill. I have had this card for many years through XXXX Visa. I requested a refund for my credit on XX/XX/18 and was told it mailed out on XX/XX/18. I called re : the  check on XX/XX/18 and was told they were holding my refund against purchases made AFTER the closing date on which the payment is not due again until XX/XX/2018.I am current and my bill clearly states XXXX payment due until XX/XX/2018. In essence they are holding my money as a DEBIT card transaction instead of a CREDIT card where payment is not even due until XX/XX/XXXX. If my payment was late, I would be assessed interest and a late charge, but they can hold my credit in advance of any payment due and not pay me interest. I find this fraudulent, my credit card is being treated as a debit card and they REFUSE to send me a refund of my credit.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was never really interested in credit before but now that I am tryna build credit looking at my credit report I noticed there were several fraudulent accounts which includes XXXX XXXX XXXX XXXX XXXX also there were XXXX hard inquiries that did not belong to me which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MS)

We, XXXX XXXX XXXX XXXX received a response from Consumer Finance providing a claim # we were requesting from Wells Fargo Bank so we could reach out as they advised they needed that specific claim # to give us an update. I reached out to Wells Fargo requesting an update, with the claim # they provided. I was first given an email : XXXX. I sent an email with the advised subject line, including the claim # and the email came back undeliverable. Its not a usable email or it is invalid or not an active email. I called back, I was given their claims department number of : XXXX from a claims rep. This was after being transferred to her from XXXX different people. I spoke to XXXX who advised after being on hold that she had to transfer me to the ACH claims department. In that dept. I spoke to a XXXX, who stated she could not pull up the information with the claim # I provided, or the account number ( listed on the affidavit of forgery paperwork ) and said that I had to go to the branch that allowed the check to be cashed. I advised that we dont know what branch it was and we are in another state and that is not a possibility. She said she couldnt help me and had to get me to customer service. She transferred me so a line that was not good, a person who didnt speak XXXX well, and said he couldnt help me because he couldnt hear me either. 
I need a way of communication with Wells Fargo. I need them to provide an update on the claim with the claim number they provided, which was XXXX. We complied with what they requested, were told that we had to contact them with the claim # and now they can not give us an update.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
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)

Please see attachments you have 18 days to respond Ive reached out on several different dates with certified mail which is a contract in itself to have these inquiries I do not recognize removed
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

Hello, Thankfully, this is NOT a complaint. I have recently received my credit report ( XXXX ) and noticed some discrepancies. I realize this information does not affect the credit score, but for accuracy 's sake, I'd like to humbly request the following updates/corrections : 1. Resident issues : * I currently  live at XXXX XXXX XXXX, XXXX, AL XXXX * I have never lived in Virginia. The address of XXXX XXXX XXXX XXXX, XXXX, VA XXXX does not belong to me. I'd like this cleared to protect from possible ID theft. 
* I do not identify the address in XXXX, FL " XXXX. '' I have never lived in this area of XXXX. 

2. Work history corrections : * I currently work at XXXX ( XXXX ) ; not XXXX XXXX. Additionally, when I did work at XXXX  XXXX my position was XXXX XXXX XXXX/XXXX XXXX. 

You may believe that since this will not change the score, it is not prudent to correct. I beg to differ and humbly ask that these corrections be made. I appreciate you assistance in advance and respect your prudence in assisting this consumer. 

Kind regards, XXXX XXXX XXXX
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. (PA)

Account : XXXX XXXX XXXX  XXXX XXXX account is inaccurate, reporting that I was 120 days past due on a closed account. This information is inaccurate. I was never late, and this account was never mine. Which is why its closed. Im unsure why its even on my report. Ive tried multiple times contacting the university and the reporting agency transunion, and have received no help. 
This account started reporting in XXXX even though it was supposedly opened in XXXX.
Consumer complaint received 2023-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company (LA)

We have been trying to work with Freedom Mortgage for almost a year now. We got a little behind and after that we got to a point where the company wouldn't allow until to make a payment and we hired a company called the XXXX XXXX to help us they didn't help us at all. We have children age XXXX and XXXX we have memories and want to keep our home. We have done everything we know to do do. Can you please help us. We submitted everything Freedom Mortgage requested and it seems like the information would time out and then they would request more since XXXX of XXXX  and now we are in XXXX and basically about to be homeless. At one point in this process we did refinancing and because the notary didn't sign her middle initial that caused alot of issues. We just want to be able to resume payments and keep our home.
Consumer complaint received 2024-03-25
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX00}
Consumer complaint received 2023-03-22
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance {$600.00} XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$910.00} ; XXXXXXXX XXXX XXXX Balance {$730.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX  Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Consumer complaint received 2017-05-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I originally filed a complaint asking for assistance in a modification with an interest rate of 2 % or a principal balance to be able to afford my payment. I also addressed my concerns of my escrow account account increase.     I was advised my insurance premium had gone up and that was the reason why my payment went up. I confirmed with ocwen my insurance premium is only  XXXX  a year. There is a violation of several things here since ocwen did not advise of this change within time. Also, ocwen should have given me the opportunity to pay the shortage without increasing my payment. Now i am afrain i will lose my home not being able to afford it.
Consumer complaint received 2024-03-25
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. (CT)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

EXPERIAN is in Non-compliance with the FAIR CREDIT REPORTING ACT BY REPORTING FRAUDULENT ACCOUNTS THAT I HAVE ALREADY SENT IN A POLICE REPORT ABOUT NUMEROUS TIMES, AND ALSO HAVE SENT IN A FTC AFFIDAVIT REPORT STATING THAT MY INFORMATION WAS COMPROMISED AND NEED THE FOLLOWING ACCOUNTS REMOVED BECAUSE THEY WERE DUE TO IDENTITY THEFT. NOT ONLY HAS EXPERIAN BEEN NON COMPLIANT WITH MY REQUEST AND THE FCRA! THEY ALSO HAVE BROKE ANOTHER RULE OF NOT VERIFYING EACH ACCOUNT, AND SHOWING DOCUMENTATION FOR 100 % PROOF OF COMPLETE AUTHENTICATION, VERIFIABLE PROOF! XXXX XXXX CHIEF EXECUTIVE OFFICER OF EXPERIAN LLC, AND XXXX XXXX XXXX OF EXPERIAN LLC WILL NOT CONTINUE TO BREAK THESE LAWS AND GET AWAY WITH RUNNING OVER PEOPLE LIKE ME WHO SERVED THIS COUNTRY PROUD! I AM A PROUD VETERAN AND HAVE NO PROBLEM PURSUING THIS CASE IN SMALL CLAIMS COURT, AND ALSO JOINING A CLASS ACTION LAWSUIT AGAINST EXPERIAN! I HAVE ALREADY OPTED OUT OF THE ARBITRATION AGREEEMENT EXPERIAN HAD ME LOCKED IN TO!