davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
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. (VA)

In accordance with the Fair Credit Reporting act, XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2015-06-03
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MI)

Complaint XXXX : XXXX, Chase Bank, and XXXX Bank Credit Card Solicitation PracticesBait and Switch Fraud! 

On XXXX XXXX, 2015 ; I signed up for a credit card on XXXX. I was enticed by the offer that I saw, which was " 12 months no interest ''. Unfortunately, I would soon realize, I did not receive this offer. 

In XXXX of 2015 ; I received a credit card statement and to my surprise, I was being charged interest on a purchase that was supposed to be 12 months no interest. 

I immediately called XXXX to rectify this issue. I was only on the phone with XXXX for a few minutes when a representative told me the credit card that I have is through Chase and XXXX does n't handle credit card inquiries. With that information, I contacted Chase, it was during that conversation that I was awoken to the fact that I had signed up for the XXXX Awards credit card through Chase and not the XXXX XXXX XXXX. Furthermore, I was told by the Chase representative that Chase did not offer the 12 months no interest and that interest was effective immediately at 19.24 %. 

Below is a side-by-side comparison of the XXXX XXXX credit cards, XXXX offered through Chase Bank, the other through XXXX Bank. Can you tell which one is which? How about while seeing the XXXX offering 12 months no interest first and then the one not offering any incentive during the checkout process? Why is XXXX soliciting multiple credit cards at the same time? I ca n't ever recall another store with similar practices, can you? ( Images would not load on this page XXXX The answer is pretty clear. XXXX is " Baiting '' consumers with the XXXX XXXX XXXX 's 12 months no interest and " Switching '' the credit card sign-up page to XXXX Rewards, with no benefits and high interest rates. It 's inconceivable that XXXX, Chase Bank, and XXXX Bank have partnered up to blatantly defraud customers. 

The resolution that I am seeking is to receive the terms that I signed up for, or would have, if XXXX had n't switched the offer. 12 months no interest and credit of the interest that I 've already paid.
Consumer complaint received 2023-05-31
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. (TN)

I reached out to the credit bureaus and have explained to them numerous of times that I am a victim of identity theft. I supposed to have a fraud protection on my account but someone is still trying to use my Information and has gotten credit cards and revolving credit in my name. I never opened a XXXX  account on XXXX XXXX  or XXXX XXXX, I never opened a self account on XXXX XXXX, I never went to the hospital on XXXX XXXX or XXXX XXXX. I have health insurance that pays for my bills. I also did not authorized these inquires : XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2019-12-06
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. (TX)

Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX XXXX. Account Number : XXXX Date opened : XX/XX/XXXX Balance Amount : XXXX Reporting on : XXXX  and XXXX 2. Account Name : XXXX XXXX Account Number : XXXX Original Creditor : XXXX Date : XX/XX/XXXX Balance Amount : XXXX Reporting on : Transunion 3. AccountName : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, XXXX   and Transunion 4. Account Name : XXXX XXXX XXXX   Account Number XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and TransUnion
Consumer complaint received 2017-10-31
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: EQUIFAX, INC. (NY)

In XXXX many items were removed from my credit report Starting in XXXX a lot of those items were re-inserted with new opening dates. A lot of those items were old and should not be in my credit report. The worst part about it I did not receive any notification from the collection companies or the credit bureau 5 days prior to let me know that these items will appear in my credit report again.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2022 I noticed when checking my BOA visa account online that a transaction in the amount of {$15000.00} involving XXXX XXXX XXXX was posted on my account. No one called me to check on such a large charge amount to see if I had made it. I hadnt, it was someone using my card and identity to make this charge. I immediately called Bank of America fraud line to dispute the charge. The charge was removed while they investigated - some three weeks later the charge was reinstated and they told me I had made the charge.

I did NOT make this charge. I have no accounts with XXXX XXXX XXXX I would never make a charge in this amount. also, a charge of this size should have been approved by me. Yet no one from BOA called to verify if it was me making the charge. Subsequent to this, another attempt to illegally use my card happened when the thief tried to use stolen card to purchase an XXXX XXXX through XXXX, luckily XXXX called me and I was able to stop the transaction. 

Bank of America is violating the Fair Credit Billing Act, I reported the illegal activity immediately telling them that this purchase was not authorized and that it was fraud. I understand that I M liable for up to {$50.00} but no more. I want the fraudulent balance wiped off my account except for the {$50.00}. 

My complaint claim no. Is XXXX. 

Thank you for your assistance with this matter. 

Yours truly, XXXX XXXX
Consumer complaint received 2022-11-07
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-05-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I am writing in hopes of getting some satisfaction with regards to a foreclosure process gone crazy.     I had a deceptive Loan Originator give me a Home Equity Line of Credit I did not ask for. Unfortunately, due to a family medical emergency had to use.     Paid on it no problem, after being a Primary care-giver for nearly  XXXX  yrs. ( and not working  )  my  XXXX  passed, the next year Bank of America tripled my payment. I could not afford this and tried to get it modified, they kept changing the person I sent docs to and kept having re-do everything. This went on for months, then they said we ca n't offer any hardship programs because you are a good pay. You will have to stop paying in order for us to do anything.     So I did, then they started with foreclosure letters, then mandatory mediation before foreclosure. Spent months in this program, finally back working, now I do n't ( ca n't ) qualify because they are adding in all their extra late fees etc. and now want {$1500.00} a month.     Btw, this whole time, I have been a customer for  XXXX . NEVER late on my primary mortgage.     Now, they have blocked my account, I am trying to get reinstated and they have added over {$5000.00} in fees to a {$4700.00} past due. While trying to see if they could waive any of them, the figures became outdated?  ( 10-15 days )  NOW they want to charge me {$13000.00}?????????????? BUT, they wo n't even let me wire anything because, well, I do n't know why.     HOW can they continue to get away with this treatment of customers??? IF you ca n't help me WHO CAN??? Please I am absolutely devastated and now apparently broke as well.     Sincerely,  XXXX   XXXX   XXXX  day # m, w, th, fr -  XXXX  home #  XXXX
Consumer complaint received 2015-10-27
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (GA)

I have a VA home loan through US Bank. In XXXX, I left my work position XXXX to care for my XXXX mother living in my residence in XXXX XXXX, XXXX I continued to make payments from my savings and was up to date on all payments. My mother passed a year later. At the time she was renting my property while I lived in XXXX. Upon her death, I consulted a real estate agent and property management company who told me my property was significantly lower than what I paid. If I tried to rent, it would also cost a significant amount of money and I probably would n't make enough to cover my loan payment. So I spoke with US Bank and decided to do a short sale under. During my short sale XXXX XXXX to XXXX ) I received at least XXXX to XXXX sales proposals that US Bank took so long to make a decision that the proposals fell thru. Mostly due to US Bank asking for information they already held, unreasonable time limits for information, and just plain inability to be timely. I missed XXXX deadline where the information came in over a holiday weekend and was for the purchaser 's decision. The next day I received an email from the Bank rejecting the application and shortly after a notice of foreclosure. I still continued to make payments until it depleted my savings. I have XXXX and extreme XXXX and was unable to work during this period. So my savings was all I had. Once the last application was rejected, I put in a request for deed-in-lieu. This was early XXXX, I have yet to get an update from the bank. I started working again in XXXX XXXX. I called the bank and wanted to see what my options were for the loan. I was told, I would be unable to make payments if I could n't pay in full. I asked was there a chance for a payment plan and was told no. No options were provided to remedy the situation from the bank. So I left my loan in deed-in-lieu status request. This is a small listing of the issues I have had with US Bank. I really feel personally the bank is taking advantage of me and veteran 's in general trying to personally ruin credit and defraud the federal government in delaying veteran short sale requests. Not really sure where to go from here, but I want this situation over ...
Consumer complaint received 2023-04-16
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. (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. 

XXXXXXXX XXXX XXXX Account number # XXXXXXXX XXXX XXXX XXXX  Account number # XXXXXXXX XXXX XXXX XXXX XXXX  Account number # XXXXXXXX XXXX XXXX XXXX Account number # XXXXXXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX  Account number # XXXXXXXX XXXX XXXX XXXX  Account number # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 the information is inaccurate
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with the alleged student loan servicer Navient and customer service was horrible. They are robbing, badgering my credit with no explanation on an erroneous alleged closed account.
Consumer complaint received 2023-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Hello, my name is XXXX XXXX. I am submitting this complaint on behalf of my father XXXX XXXX. 

My father XXXX to XXXX, had solar panels and an air conditioning unit installed to our home around XX/XX/2018. We are having a big issue with our roof after the installation. We are noticing a lot of leaking from the roof as a result of the AC unit that was installed. The AC unit is malfunctioning and leaking through the roof, causing severe roof damage and ceiling damage on the interior. we have contacted our mortgage company Mr. Cooper to try to fix the issue and they directed us to the company that constructed the AC unit which is 2 The T Construction however, this company apparently declared for bankruptcy, so no one is able to help us repair the roof and ceiling as a result of the AC unit that was installed and solar panels, causing damage to the roof and our ceiling. My father is also very frustrated because he continues to be charged for the installation of the solar panels and AC unit. However, no one is willing to help with the repairs that are needed to the roof and the ceiling. We have contacted Mr. Cooper numerous times, and they keep directing us to the company that installed the solar panels and AC unit but they are no longer in business. When the solar panels and AC unit were installed, we were informed that we had 20 years of warranty from the date. The installation took place. However, this company again is no longer in business so no one is willing to help us not the old company that close down that installed the units and not our mortgage company Mr. Cooper. in addition, Mr. Cooper asked for us to contact the county recorders office and they also are unwilling to help us. However, once again, we continue to be charged for the installation and insanely high interest rate that was attached to this agreement of the AC unit and solar panels.
Consumer complaint received 2024-10-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MI)

Shellpoint Mortgage is my mortgage company and they have made some big misrakes on my mortgage/payments. I have continually paid them all payments for except for XXXX ( the representative told me not to make any payments until my account was updated. To sum up what happened was my interest rate is the ARM so my Arm had changed and Shellpoint went and retroed my payments back to XX/XX/year> with the new interest rate but failed to post all my payments that I made this year ( I have banking and portal info showing I made all my payments ). Now they sent me a bill for XXXX stating I am 10 payments behind because of their negligence posted on my account. I have tried over 4 times calling and getting this resolved and I keep being told that it in fact XXXX internal error and 5 to 7 business days it should be corrected. I called 20 times on a Saturday and although it said they're opened i couldn't get thru to handle this other than on a workday. There has been no correction and I have not been contacted as I have requested numerous timed, to get this resolved. I was told by a Shellpoint representative to submit a dispute as well and I haven't had any one contact me back. This is absolutely Ludacris with how this happened. I don't know what else to do besides contacting your company or a lawyer. I just want this error corrected. I would never allow this to happen to my mortgage.
Consumer complaint received 2022-09-10
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: Experian Information Solutions Inc. (FL)

File a dispute with Experian which DID NOT investigate this and left it unchanged. This account is the result of identity theft and Experian is refusing to correct it. XXXX XXXX deleted it from other credit bureaus. 
I initiated the dispute on XX/XX/XXXX, and by XX/XX/XXXX their " investigation '' was done. However, you can see by the dates below, which show on my credit report, that no investigation took place and the account was last updated on XX/XX/2022. 

Account info : XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Account number : XXXX Account type : Collection Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$1.00}, 334 past due as of XX/XX/2022. 
Status updated : XX/XX/2022 Balance : {$1300.00} Balance updated : XX/XX/2022 Recent payment : XXXX XXXX Monthly payment : {$0.00} Original balance : {$1300.00} Highest balance : {$0.00} XXXX Months On record until : XX/XX/2022 XXXX
Consumer complaint received 2020-02-22
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. (NJ)

I SENT IN MY ( IDENTITY AFFDAVIT ) LIKE THEY ASK ME TO TO IN XX/XX/2019 I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA 's. On XX/XX/2019, I mailed XXXX, TransUnion  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-05-19
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 acquired my current Mortgage loan from XXXX XXXX effective XX/XX/2023, but XXXX is still sending and calling me to pay a mortgage payment for XXXX and XX/XX/2023. I pay all mortgage payments to XXXX, my current morgage lender, and I do not have an active account with XXXX XXXX. I should not have an open Tradeline with XXXX XXXX on my credit profile Also, I indicated to XXXX XXXX that I did not give permission for them to provider private information to any other parties I also, dont give any Credit reporting agencies to give my private information to any other 3rd parties ( per 15 US Code 1681b _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer report )
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX I was notified of a credit inquiry through citi for XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit monitoring service XXXX. 

On XX/XX/XXXX I received a letter in mail regarding the application from citi, which the name on the application does not accurately reflect my drivers license. 

I have never applied for nor authorized an XXXX XXXX XXXX points plus XXXX. I have no business with XXXX XXXX XXXX. 

On XXXX I contacted my credit monitoring service for assistance and they helped me setup a fraud alert. We also tried no less than XXXX different numbers to contact Citi. None could help. XXXX citi very own XXXX department! They sent us back to an automated application line and we never got to a live person. 

So XX/XX/XXXX I called into XXXX to file a dispute. They responded back on XX/XX/XXXX claiming Citi verified the inquiry was accurate with no details ( no contact phone # for Citi nor any supporting information ). 

Citi bank and XXXX  have not done an adequate job resolving this.