davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
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)

I disputed late payments with XXXX on several occasions without any results from XXXX for the XXXX major credit reporting agencies. I called XXXX on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX was unable to provide statements with late payment information and information was not available online as well. Only XXXX statements were in their system and for me to review online which were not the statements needed. My concern is what information did XXXX provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months XXXX is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.
Consumer complaint received 2022-03-01
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. (GA)

Update to previous complaint mailed XXXX XXXX. My name is XXXX XXXX XXXX and I am personally submitting this complaint. Please view my attachments as they will explain my complaint and verify my identity.
Consumer complaint received 2020-08-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (WI)

I dont know if i am in the correct place or not but I NEED TO BE ABLE TO USE THE XXXX APP!!!!!! I bank with PNC and they wont allow me to use the app even when i sign in. Please change this bs!
Consumer complaint received 2016-05-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

I financed a home with Roundpoint Mortgage in 2015 and subsequently refinanced with XXXX XXXX XXXX for a better offer. XXXX XXXX XXXX requested a payoff in XXXX and after going through the normal refinance process, XXXX XXXX XXXX paid the amount stated on the payoff statement generated by Roundpoint Mortgage. In the middle ( or so ) of XXXX 2015 I got a letter from Roundpoint Mortgage stating that my payoff was short and that I still owed roughly {$4000.00} and when I inquired ( over several months of trying to hash this out ) I received conflicting stories. I went back to the title company to inquire as to what happened and they were uncertain given that they transmitted precisely what the payoff requested. In short, it was only later that we all found out that Roundpoint Mortgage paid my taxes and insurance ( which they should have ), but admitted that they erred in not including the escrow account in the payoff statement and subsequently they blamed the title company. Both the title company and Roundpoint have washed their hands of the matter pointing the finger at me to pay on a house that I do n't even own anymore ( it was sold with a clean title ). Bottom line is these clowns are ruining my credit instead of owning up to the omission on their part. I even went so far as to suggest we ( myself, the title company and Roundpoint ) split what they feel is owed so we can wash our hands of the matter and Roundpoint said no - pay up, its not our fault the escrow account was n't included in the payoff and even we n't so far as to send me a caveat they have on all payoff statements that fundamentally states that they reserve the right to skim off the payoff received to cover any shortages ... fine, but should n't they have at least notified all parties involved instead of shorting the payoff and them coming back as if we all were in the know?
Consumer complaint received 2020-08-04
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

An account with XXXX, now XXXX was opened in my name fraudulently. I have contacted them several times due to not even living in the area where service was established. I have submitted police reports and lease agreements which proved that I didn't live in the area much less start the service. They wont do anything to help me, and it is ruining my credit.
Consumer complaint received 2020-04-08
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)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$960.00} DEPTEDXXXX XXXX {$22000.00} XXXX   XXXX {$310.00} XXXX XXXX {$16000.00} XXXX XXXX {$480.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$210.00} XXXX XXXX {$1500.00} XXXX XXXX   XXXX {$120.00} XXXX  XXXX XXXX {$700.00} XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX {$17000.00}
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My XXXX mortgage statement Amount Due was XXXX with a due date of XX/XX/2020 I paid that amount on XXXX/XXXX/2020 in addition my statement showed a unapplied partial payment of XXXX which was a payment of my escrow shortfall made on XXXX/XXXX/2020 added together added up to my regular monthly payment of XXXX, on XXXX XXXX,2020 Shellpoint reported my account 30  days late which impacted my XXXX score by XXXX points. I am attaching all pertinent documents to prove my case.I was told by there representative XXXX XXXX there was nothing she could do about correcting the situation.
Consumer complaint received 2020-04-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (TX)

Due to covid 19 i have been furloughed in XX/XX/2020 I immediately called westlake financial services to defer my payment for the month of XXXX. I was told it was no problem and was approved. 
I start getting emails and calls that my payment is over due with late fees. When I called back they said that all deferments are going to be denied because of the pandemic. In his words too many deferments to be able to approve any at this time. I also received an email stating the stimulus checks and insinuating that the car payments should be paid with that. I have a perfect record of the last 14 months with them and just need some help. They denied working with me, deferring or any other action or even removing the late fees. I have no job because of covid, my unemployment doesnt even cover my rent but every company is working with me except my vehicle loan through westlake financial services. They also were ver adamant that it would be reported to collections and this would affect my credit ( which Ive worked VERY hard to fix over the years ) and to even take the vehicle. I feel they are being completely cruel and unforgiving, giving the circumstances Im given. And I cant be the only person in this situation.
Consumer complaint received 2016-06-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK (CA)

Gateway One Financial - Sent a field agent to my home on XX/XX/XXXX while my account was XXXX XXXX along with placing calls to my place of employment after the advisement of no calls we to made to this location. Communication outlining these complaints were sent to Gateway One Financial XXXX/XXXX/XXXX and as of XXXX XXXX, XXXX there have been no response, just calls to numbers that have been advised as a DO NOT CALL.
Consumer complaint received 2022-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (TX)

We wired money to Crypto.com via XXXX XXXX XXXX  in XXXX. The transfer was undeliverable due to an error ( that we made ). Assured the wire would reject and bounce back as there was not a legitimate account for the money to be deposited we had done all we could do. After 12 days Crypto.com is still holding the funds. Countless email conversations with their robotic customer service team nothing has been resolved. The amount of the transfer was {$13000.00}. It is impossible to actually speak via telephone with anyone with Crypto.com. Is there an actual time period in which any entity can hold funds until it becomes a crime? They have admitted that the money is rightfully ours and will be returned at some point. They have refused requests to get management or any administrative person involved. A company of this caliber should have some reasonable means to communicate with customers. This is totally unacceptable. At this point legal action will be taken. 
Reaching out to the general customer service email or chat will not prove fruitful. CFPB will need another method of contact for any action to be taken.
Consumer complaint received 2020-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I purchased a watch online from a vendor who purported to be an online watch dealer. I was defrauded out of {$4300.00}. I've already filed a XXXX  on the seller. Attached is the police report that details the transaction
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

I have repeatedly asked the Credit Bureaus XXXX, XXXX, and Experian to accurately update and report my correct information. To include removing undeliverable addresses, accurately stating my name, phone number, D.O.B and employer. I have also asked to have inquiries that I do not recognize to be removed and updated as it is my right to have a consumer report that reflects an up to date and accurate account of my consumer report. I have notified the above listed companies and there has been no response and no change. This is causing damage to my credit profiles as potential institutions and companies are confused by the mismatch of information being reported.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2022 I reported to my local police department a Identity Theft Complaint and Affidavit. 

On XX/XX/2022 I forwarded a copy of my Identity Theft Complaint and Affidavit to TransUnion XXXX and XXXX by USPS certified mail. 

On XX/XX/2022 I forwarded a requested Affidavit statement to TransUnion XXXX and XXXX that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft. 

On XX/XX/2022 I forwarded a second Affidavit statement to TransUnion XXXX and XXXX that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft. 

I also referred to 15 USC 1681c ( 2 ) in which a consumer reporting agency shall block any information that is resulting from identity theft from the consumer no later than ( 4 ) business days from the receipt notice of the consumer. 

TransUnion XXXX and XXXX has failed to block all of the information from my consumer report that was the result of identity theft. All consumer reporting received the required documents as listed by federal law, and my consumer report still reflects inaccurate information due to identity theft.
Consumer complaint received 2022-02-28
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. (SC)

We have been trying to get credit disputes off my reports from all three credit bureaus so that we can get a mortgage we called, faxed and wrote all three agency 's with no resolve. We are not disputing charges and in fact paid some off.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MN)

Due to the Corona virus 19. I need assistance doing a deferment with my loan. I tried calling several times once waited 6 hours on the phone still no one answered. I do not want a forbearance I want a loan modification or deferment. But I cant get a hold of anyone to help me.
Consumer complaint received 2022-02-28
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. (AZ)

Please carefully read the following. 
Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. I never gave TRANSUNION any written consent to report anything on my consumer report, No consent is Identity Theft. 
I demand you remove the following address and names : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The following accounts I demand to have removed 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 Inquiries : XXXX XXXX XXXX  XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (TX)

I relocated in XX/XX/2014 and found there are no Key Bank branches in XXXX. Shortly after that I saw online that my checking account was being overdrafted due to interest charges and late fees on my overdraft line that caused the overdraft line to be over limit. I called the customer service line and told them I had not been receiving statements. I had multiple contacts with them during which I asked for statements, advised of my new address and requested to close my accounts they failed to update my address and refused to close the accounts. I received letters stating I owe and get calls while I 'm at work but still do n't receive statements ( even though I was promised that I would ). The letters are sent to my former address so they have n't even updated that. I also asked about how I can make payments and some representatives have allowed me to make payments via phone while others tell me this option is not available. I feel the conflicting information is a means of deceiving me and preventing me from paying so that they can continue to assess late fees. 
Finally in XX/XX/2014 I was directed to call my old branch in Indiana ( why had n't the numerous previous representatives I had spoken with advised me about this? ) and they were able to assist with closing the checking account. I called back to customer service and explained I had difficulty paying the account and asked if there was any way to work out an arrangement for monthly payments and no interest. I was told that this could be done but it was n't and the overdraft line kept accruing interest and late fees but Key Bank still was n't providing billing statements. 
In short, I have notified Key Bank of my address multiple times but they have failed to update it. I have requested billing statements but they refuse to provide it. I 've been lied to about acceptable methods of payments, how interest will be accrued, and that statements would be sent. Key Bank has refused to work with me despite my explaining I 'm willing to make regular payments. 
Perhaps the most disturbing thing is that they charged overdraft fees on my checking account due to late fees and interest that they assessed on my overdraft line even though they failed to provide statements for that account. This is an unfair and predatory practice. It is essentially a double jeopardy with the bank unfairly penalizing me for a situation that they created with their own negligence in failing to properly update their records upon notification.
Consumer complaint received 2020-04-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (CO)

Chrysler Capital Auto loan paid off in full. 

XX/XX/2020 XXXX XXXX. USPS Certified mail receipt for delivery of Payment XX/XX/2020 Chrysler Capital posted payment with effective date of XX/XX/2020 even though the date of receipt of payment was XX/XX/2020 as per USPS receipt. 

XX/XX/2020 XXXX XXXX. I sent message of inquiry about the date difference, no answer XX/XX/2020 XXXX XXXX. I sent a second message complaining about the non response XX/XX/2020 XXXX XXXX. I called Chrysler Capital and spoke with a person who identified himself as XXXX XXXX, who stated they de did not know anything and it looked like the payment was posted appropriately. I asked him if I could email him proof of receipt on XX/XX/2020 and he said no. 

I have mailed a letter of Complaint to the President of Chrysler Capital today.
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

HELLO I m trying to refinance my existing loan with chase for at least 9 months and Chase bank its giving me the run around I have submitted all the documents and later they keep asking me for the same documents, I do not think they want to refinance my loan I think they XXXX.