davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

On XX/XX/2020 I became aware that U.S. Bank closed a joint account owned by both XXXX XXXX XXXX XXXX XXXX. I contacted the branch manager and eventually the district manager XXXX XXXX to attempt to understand why the account was closed and to receive the remaining funds in the account. I was informed that a certified check for the remaining amount was sent to my fathers address in XXXX, WI however the funds never arrived as of XX/XX/2020. I spoke again with XXXX and he again stated that he would attempt to send remaining funds to my listed P.O. Box,  however as of XX/XX/2020 the funds never arrived. There was a remaining balance of over {$2300.00} and U.S. Bank has apparently refused to refund our funds after numerous attempts.
Consumer complaint received 2022-12-28
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-24
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)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$27000.00} on the XXXX   partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned to the dealership within the time frame allotted to do so. The vehicle was then sold at auction and sold for more than what was owed and therefore this account needs to report at {$0.00} balance. There is no outstanding balance and consequently no collection amount to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting a debt on my credit file I do not owe. I didn't know about this debt until I checked my credit. I didn't receive any letters, calls, notifications about this debt, but as soon a I found out I paid the debt and I am requesting this debt to be removed off my credit file.
Consumer complaint received 2022-12-28
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. (NC)

The following late payments are reporting inaccurately on my credit report in violation of Section 15 USC 1666b Section 15 USC 1681a ( 2 ) ( a ) ( i ) I would like these items REMOVED from my credit report XXXX acct # XXXXXXXX XXXX XXXX
Consumer complaint received 2020-03-24
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. (UT)

XXXX XXXX is reporting a debt on my credit file I do not owe. I didn't know about this debt until I checked my credit. I didn't receive any letters, calls, notifications about this debt, but as soon a I found out I paid the debt and I am requesting this debt to be removed off my credit file.
Consumer complaint received 2020-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (OH)

I am XXXX. I requested several stop pays on XX/XX/2020. I followed up via secure messages and XXXX calls. My timely notice to place the stop pays was ignored. On XXXX, three entities made off with approx {$800.00} of my money which caused numerous overdrafts. Only after the stop pays were finally placed after a 3 hour hold phone call did chase charge me ( without notice or advice to change account numbers ) {$30.00} PER entity named in the stop ACH request, not {$30.00} for placing an account stop pay as I was led to believe. An advisor should have suggested getting a new account number!!! They charged me $ 300+ in fees to shield my account while my income is reduced. Further, this resulted in a cascade of {$34.00} overdraft fees - untold in number, approximately {$700.00} in fees. So I had my money stolen because chase ignored my request ( {$800.00} ), was charged $ 300+ in stop pay fees that didnt even work and I wouldnt have agreed to had an advisor told me the scope of fees and other alternatives, and then another {$750.00} or so in fees for using my account as normal. I want a refund for approximately {$800.00} in the 3 transactions I stopped in a timely manner, and all the fees chase charged me when they ignored my repeated requests for over 10 days! The fees alone are $ 1000+! I can not and will not be able to bring my account current until this is resolved. I am a protected class and I believe chase discriminated against me due to my XXXXXXXX, refusing to service my account in a way that I had access to ( secure messaging ).
Consumer complaint received 2022-11-04
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. (IN)

I asked the credit bureaus to do an in depth investigation of my credit report. I never received a response for this request. I only received two letters from TransUnion applauding me for taking charge of my credit. Ive attempted disputing formally and via electronically but my report did not change after each attempt. I was giving this option after representative from XXXX saw I was not getting anyway after several attempts. I still found several inaccuracies after each fail attempt. 

XXXX : Account number : XXXX, you did not remove the past due from this account and therefore, it must be removed. 

XXXX : Account number : XXXX, you did not remove the late payments XXXX : Account number XXXX Last activity inaccurate XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX not reported XXXX XXXX : Account number : XXXX, missing notice of dispute. Reporting after account was closed XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX delete due to inaccuracy XXXX XXXX : Account number : XXXX, this account Last activity date XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX please delete due to inaccuracies. 

XXXX XXXX : Account number : XXXX, activity dates XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD : Account number : XXXX, last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove for inaccuracy - years of payment history reported after account was closed and the date of last activity changed without any activity occurring - XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX XX/XX/XXXX. 

XXXX : Account number : XXXX, remove for inaccuracy XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove this for inaccuracy because the date of last payment is reported differently on all XXXX bureaus : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

XXXX XXXX XXXX : Account number : XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX Account number XXXX Discrepancy an account status XXXX status Open XXXX Closed last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Not reported to all credit bureaus only XXXX In accordance with the Fair Credit Reporting act XXXXt Acct # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX has violated my rights XXXX 
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 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

After receiving a copy of my Experian consumer report I noticed there was a total of XXXX XXXX ) unknown and unwarranted and non permissionalble inquiries,XXXX  inquiries that I didn't recognize nor have a open account with. After speaking to a representative from Experian they advised me that it was their policy to place these hard inquiries on a consumer report so I advised them that their policy doesn't supersed federal law from the FCRA & FDCPA. My federal protected rights as a consumer was being violated by having the derogatory information on my consumer report. And that this information wasn't court ordered nor was there verbal or written permission given. The above mentioned inquiries has hindered my ability to acquire lines of credit and better interest rates.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$27000.00} on the XXXX   partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned to the dealership within the time frame allotted to do so. The vehicle was then sold at auction and sold for more than what was owed and therefore this account needs to report at {$0.00} balance. There is no outstanding balance and consequently no collection amount to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (OH)

I applied in XX/XX/2019 to refinance a private mortgage I had with AnnieMac, after months of processing the loan they told me that I had to close as a purchase loan and not a refinance even though the mortgage was recorded. At the subsequent closing they finally did it as a refinance and I had a subsequent 3 day rescission period. 

At the closing I was never given copies of any of the closing documents and spent several months trying to get AnnieMac and/or the title company to send me a copy to no avail. To this day I still do not have a copy of my HUD 1 settlement statement after several requests to the title company they made me use and requests to AnniMac. 

Subsequently, I never received a first payment letter or any information regarding a payment due date, I tried to make a payment online with them, AnnieMac, in XX/XX/2019 after several phone calls to their origination office and subsequently their servicing center without any assistance from them at all. I was repeatedly told by AnnieMac that I would receive instructions in the mail. I then stopped payment on the XX/XX/2019 payment I made because I had no information and wanted to make certain my payment went to the correct place. 

Subsequently I finally did have contact from them, AnnieMac when they sent someone to my home to serve me with a default notice and intent to foreclose. Three days after their agent showed up at my house I received a copy of my closing docs from them without a HUD 1 settlement statement which as of today I still do not have.

I do not want to lose my home, I have been here for over 6 years with a monthly payment very similar to what my payment is now with AnnieMac. I have never missed a payment until this fiasco with AnnieMac. They have destroyed my credit and every time I try to talk with them I get different answers and they are trying to push me into a forbearance agreement or deed in lieu of foreclosure. While I do not intend to stay here forever I certainly do not want to leave now. In addition they have now destroyed my credit and I do not know what to do. Is this a situation where I need to hire a lawyer and spend thousands of dollars to save my home just because I had the misfortune of doing a mortgage loan with such an unscrupulous lender? 

I'm in a situation where I need to purchase a car and because of this situation that will be impossible or at the very least triple what it should cost. 

At no point in the entire situation have they made any attempt to make this right and they have repeatedly, and I would say knowingly, violated almost every aspect of RESPA and have XXXX regard for me as a customer and homeowner. 

I have not contacted the FHA directly as of yet, however, it is my intention to do so if we can not get this resolved immediately.
Consumer complaint received 2020-04-02
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. (MI)

My identity was stolen and used numerous times with plenty of fraud accounts opened over time. Here are the fraud accounts Ive discovered so far : XXXX XXXX ; Opened XX/XX/XXXX Balance {$5700.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  ; Opened XX/XX/XXXX Balance {$96.00} XXXX  XXXX   ; Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX ; Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance {$190.00} XXXX  XXXX  ; Opened XX/XX/XXXX Balance {$1400.00} XXXX  XXXX  XXXX  ; Opened XX/XX/XXXX Balance $ XXXXn XXXX  XXXX XXXX ; Opened XX/XX/XXXX Balance : {$210.00} XXXX  XXXX  ; Opened XX/XX/XXXX Balance : {$2400.00}
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Recently, I, XXXX XXXX, was denied an extension of credit by Capital One. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and they assume civil liability pursuant 15 U.S Code 1691 ( K ). Capital One has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter they sent me is both a proof and evidence that I have been discriminated against, they are also criminally liable. Capital One should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: BMW Financial Services NA, LLC (IL)

On XX/XX/2022 I have purchased a new vehicle and financed it with BMW Financial. I have a fraud alert on all my credit reports but the finance company has never called the number listed on the report which is XXXX and verify if I am in fact opening the loan - this has violated my Fair Credit Reporting Act rights.
Consumer complaint received 2022-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I tried fixing this since XX/XX/2022 The collection is XXXX XXXX XXXX {$1600.00}. This collection has violated the HIPPA Law and FCRA! 
Also Ive done FTC for inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-03-23
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. (FL)

I examined my credit report recently and I saw some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no understanding of how someone would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

On XX/XX/2022 I called PHH to request the removal of PMI, because the equity in my home has increased well over 20 % due to appreciation in the area. A customer service representative told me on a RECORDED line that I needed to order an appraisal to confirm that and that I could order the appraisal myself or do it through PHH. I decided to order it myself as it would be quicker, so I ordered an appraisal, paid XXXX $ for it, and then sent it to PHH for review. I sent the required documentation on XX/XX/2022, and just today, XX/XX/2022, I received an email saying that they are unable to use the appraisal report that I provided, because it has to be ordered by them. All of this after a PHH mortgage representative told me to order the appraisal myself.
Consumer complaint received 2020-04-02
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. (CA)

I discovered a few inquiries that are not mine on my credit history today XX/XX/20 when I was reviewing my credit report with my loan officer. I didn't know that these inquiries were on my report because I did not authorize any of them and I did not apply for any account with those companies. I am not affiliated with any of those companies in any way nor did I gain anything from those inquiries that were made in my name. I have already contacted the companies as well as filed a police report.
Consumer complaint received 2022-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NM)

TSI TRANSWORLD SYSTEMS INC. 
has submitted the debt to the credit bureau prior to the date stated on the paper. It was submitted to the credit bureaus today and the paper from TSI says it would submit to credit bureaus XX/XX/2022 if I had not submitted a dispute. I had spoke to a lady from TSI this past Thursday because this debt was never submitted to my health insurance. I was told everything would be disputed from their end and the hospital would have to resubmit. Yet the hospital told me they would pay it since it was hospital representative failed to submit it to health insurance.
Consumer complaint received 2020-04-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (GA)

My ex-husband- XXXX XXXX-divorced over a year ago. The mortgage ( # XXXX-through Quicken Loans ) was solely in his name. I got an Assumption and was able to put the mortgage solely in my name approximately 6 months ago. The mortgage has been put in my name. XXXX also signed a Quit-Claim Deed for this property ( XXXX XXXX XXXX, XXXX XXXX, Ga. XXXX ). I filed it at the XXXX County Tax Assessors office. The title is in my name. Quicken Loans has refused to give me online access. The highest level officer I have spoken with, XXXX XXXX, told me the reason I can not have online access to my mortgage is because it was acquired through assumption and since the way the original loan was obtained ( through my ex-huband 's information ), his information is still online in that file. I asked them if they could put his information in a separate folder. He said no. If I wanted to know anything about my mortgage, I had to call or email. I could not have an online account like other customers. When it was time to file my taxes, I could not obtain the information I needed. I had to wait on hold for a representative and ask them to please mail me the information. I went online with a Quicken Loan representative and asked her if a customer of Quicken Loans obtains a mortgage through assumption, do they get online access like other customers. She said yes, they do. I downloaded this conversation and emailed it to XXXX XXXX. His response was that he will forward this information to a leader for review. A leader called me this morning ( XXXX? ). She apologized for the miscommunication and she said the person who told me I could have online access was dealt with. She then told me they are not working on giving me online access to my mortgage. Recently, my mortgage payment changed because of lack of escrow. I got a letter in the mail. I called to change my payment and I was on hold for more than an hour. This and other situations could have been avoided if I had online access like other customers.
Consumer complaint received 2022-11-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (KY)

I informed the company to stop and decease the constant calling they start from XXXX till XXXX. 
My history in my phone only goes back to XX/XX/XXXX all the way through till XX/XX/XXXX. I do have them blocked but they somehow get through to my voicemail.