davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
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. (DC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: PROSPERITY BANCSHARES, INC. (TX)

I am disputing the following : XX/XX/XXXX {$800.00}, XX/XX/XXXX {$840.00}, XX/XX/XXXX {$0.00} I discovered the fraudulent charges and reported them to my bank right away. I was advised to change my user id/password for my online account, and get a new account number which I did with the assistance of a bank representative. I have not had any additional fraudulent activity on my accounts since. 

I received a provisional credit letter dated XX/XX/XXXX, advising temporary funds were issued to me while an investigation took place. I then received a final resolution letter dated XX/XX/XXXX, stating a confirmed error occurred and the provisional credit received is final and will remain in your account. Then on XX/XX/XXXX, the credit was removed from my account. It was finally on XX/XX/XXXX, that I was been able to get a formal response from the bank as to why they took the credit back. They state the credit was removed due to missing information that was not changed when directed to your online banking login on XX/XX/XXXX. This reason is contradictory to their initial resolution reason.
Consumer complaint received 2021-12-17
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. (IL)

I have items on my credit report that are showing negative I have sent numerous complaints to the credit bureaus for clarification and I have not received any responses wether by phone mail anything I have also ask for clarification from the alleged creditors at which time I was told if I dispute these items I would be sued which is against the fdcpa false or misleading information I learned this after I did some research
Consumer complaint received 2021-12-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

Freedom Mortgage bought my mortgage without my knowledge or permission. I believe this to be lawful but sad to the customer. Starting in XX/XX/2021 I have asked multiple times to have an analysis completed of my escrow balance. I believe the amount in the account is extremely high. Each time I request this I waited the allotted time in which the mortgage company informs me that it takes to complete this analysis and every time it is never done. I have made 5 calls from XXXX - XX/XX/2021 and then again today XX/XX/XXXX. Each time the representative " sees '' the request but that is it. They have nothing more to offer other than yep, we see it. The work to actually do the analysis is never done. I believe surplus in my escrow is an excess of {$7500.00}. The first 2 calls in XXXX and XXXX Freedom Mortgage claimed they could not see my escrow details in their system but I could see them on their website. Again today, they are requesting the analysis AGAIN. No results.
Consumer complaint received 2024-02-22
Product: Credit reporting 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-12-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (VA)

I leased a new vehicle which Chase Auto Loan financed. After the lease period ended, I purchased the vehicle by converting the loan from a lease to a purchase. Chase remained the finance company. I have been unable to register my car for 2 years because chase has not sent me the title of the car. I have called a dozen times over the last two years. Each time I am told that the title would be sent directly to me. The DMV faxed them a letter specific to my issue that stated that Chase needed to send me the title before I could register my car. Over the course of these 2 years, they have asked for proof of insurance, saying they needed that before sending me the title. Each time ( most recently a week ago ) it was provided, each time the title was not sent. Payments continue to be made on a car that is not legal to drive.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

In XX/XX/XXXX I called Equifax to lift a freeze on my account. At that time I was asked to verify my identity - I did and I had the freeze lifted. 
On XX/XX/XXXX at approximately XXXX, I called to confirm that the freeze was still lifted as I am purchasing a home - and spoke with 'XXXX  ' who asked me to verify my identify, which I did by answering multiple questions [ Full Name, DOB, SSN, Address, etc ]. 'XXXX  ' then asked additional questions regarding the type of loans I had, the amounts of the loans, the banks the loans were with, the amounts of the loans and the amounts of the payments. I gave him the name of my student loan company, the # of loans I have with them, the estimated payment. 'XXXX  ' continued to ask about other loans - I gave him the name of my current auto loan, the approximate payment amount ; I gave him the name of my credit card issuer and the approximate balance owed, and I gave him the name of my store card issuer and the balance owed. He continued to ask for more information and I became frustrated asking him the purpose - I got none other than " verifying my identity ''. After placing me on hold, 'XXXX  ' came back to tell me he could not " verify '' that I am who I say I am - and that I had to place my request in writing and submit additional documents to " verify '' by identity - and then wait for a written response in 4-7 business days - an then I could learn if my Equifax file has a freeze on it or not. I then asked for a Manager - MORE than 5 times - and 'XXXX  ' would not comply - stating I could only talk to a supervisor. He refused to give his last name and ID #. I worked for a credit company and know how to verify callers ; I also know there are Managers on duty in a Call Center. I can not wait for 4-7 business days to receive MY credit information as I am purchasing a house. This is absolutely ridiculous!
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

I opened a Citi XXXX XXXX XXXX XXXX XXXX credit card account in XXXX and at the time that I signed up for the account, Citi was offering a {$650.00} statement credit if you spent {$2000.00} within the first three months of opening the card and then later purchased a cell phone with plan from XXXX XXXX XXXX. I completed the required spending and then waited to purchase my phone until XX/XX/XXXX.  On XX/XX/XXXX I purchase an XXXX XXXX through the link provided in my Citi account for {$1200.00} ( see attached credit card statement showing the purchase ). I was told that the {$650.00} credit would post to my account within 2 billing cycles of purchasing the phone but I have yet to see the statement credit. I have contacted Citi and provided proof of the purchase of my XXXX XXXX XXXX phone but have not received the credit. Instead, Citi opened up a dispute of the phone purchase ( which I explained was not my intent ... ..I did NOT want to dispute the purchase from the merchant. Rather, I wanted the promised statement credit from Citi ). I have called Citi several times to resolve this issue without a satisfactory response.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CT)

I am writing to dispute the failure to remove fraudulent accounts from my credit report, despite confirmation from the bank over the phone. This non-compliance with the law is concerning. Under the Fair Credit Reporting Act, it is mandatory to promptly remove inaccurate and fraudulent information from credit reports. Yet, these accounts persist, undermining the reliability of the system. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (GA)

I pulled my credit report at the beginning of the new year XX/XX/XXXX. I was not aware of this new company, Merchants Credit Guide now collecting on a debt for XXXX XXXX XXXX XXXX. I never received any type of written or telecommunications from the company. I disputed the information shown on my credit report back in XX/XX/XXXX. The company Merchants Credit Guide failed to send any type of verification of the debt. I called the company today, XX/XX/XXXX, to figure out what I could do to get this false information off my credit. The manager, XXXX XXXX, raised his voice saying I needed to find my original contract because there are laws on contracts and then hung up on me. I felt very threatened and disrespected. I have no idea who this company is, but they are aware of my dispute, but they never felt the need to contact me.
Consumer complaint received 2021-12-17
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. (NY)

I am a victim of identity fraud. A fraudster tried to open an account using my information. I was able to stop them via my real time alerting. I contacted the bank. XXXX and stopped the credit card app. The fraudulent application triggered a hard inquiry that stays with me for 2 years. I have been able to resolve with 2 other credit bureaus via phone and online submission. However Transunion refuses to do this. Their insistence is that I mail it registered mail at my cost. This is very unfriendly since their competitors have all online access available as option. I am also forced to write a detailed letter instead of a phone conversation with their representative. I find this very onerous. I have to visit post office during Covid time. Pay for expensive mail. Wait for mail to be delivered. Hope that it doesnt get delayed or lost and hope they open and read my info in timely manner. This is too XXXX. The company needs to help customers not make us jump through hoops. 

As better example. I was able to resolve my issue and submit evidence to other agencies and got satisfaction and resolution in 24 hours with no out of pocket and no pollution. 

I feel Transunion is very consumer unfriendly and putting cost burden to customer instead of their XXXX profits.
Consumer complaint received 2021-12-17
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. (FL)

On XX/XX/2021, 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 2022-02-08
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: BSI Financial Holdings, Inc. (CA)

I have an inaccurate 30 day late from an old Mortgage account ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX CA ) currently being reported on my credit. The account is paid/closed from XXXX with BSI Financial . This error has been reported by only XXXX as recent as XX/XX/XXXX. 
I've contacted both the creditor ( BSI Financial ) and the credit bureau ( XXXX ) about this discrepancy. Both have been non responsive to my request to correct the error on my credit. 

BSI requested a copy of my credit report which I sent them on XX/XX/XXXX. 
I've also disputed this error with XXXX because of all 3 bureaus they're the only bureau reporting this error as recent as XXXX. 
As I stated before this account has been paid and closed since XXXX.
Consumer complaint received 2021-12-17
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: OneMain Finance Corporation (PA)

I have working with a consumer law person to repair my credit. I requested my consumer report from XXXX. Upon receiving it I reviewed it and discovered an error. The account with One Main shows that the account was paid in full/charge off. I noticed some discrepancies while reviewing other reports. According to USC 1681E ( b ) if the information is not accurate across all the reporting agencies it needs to be removed.
Consumer complaint received 2024-02-22
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. (NY)

This complaint serves as a formal appeal for the removal of remaining fraudulent entries from my Experian credit report, specifically to eliminate an unauthorized credit inquiry and an inaccurate address currently listed. Upon reviewing the most recent copy of my credit report provided by your bureau, I identified that both the unauthorized inquiry and the inaccurate address remain unaddressed. The details of the items in question are as follows. 
EXPERIAN : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2022 XXXX XXXX XXXX CO XX/XX/2022. In line with the Fair Credit Reporting Act, I urgently request the immediate elimination of the unauthorized inquiry and the rectification of the inaccurate address mentioned above. Additionally, I request that a revised copy of my credit profile be dispatched to my provided address. Should there be any findings suggesting the inquiry was authorized or the address was indeed associated with me, which I firmly contest as it has never been my address, I request a detailed explanation of the investigative process utilized, to be shared with me within 15 days following the conclusion of your re-investigation.
Consumer complaint received 2023-06-12
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: CITIBANK, N.A. (IL)

This was an issue with XXXX and the way they handle their presale release. I disputed the charge due to sudden change of price on presale event that only allows 5 minuets approximately to select tickets as others are also making rapidly selecting to event.
Consumer complaint received 2021-12-17
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. (NV)

On XX/XX/2021, 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 2020-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Partners, LLC (CA)

Was Contacted regarding a vehicle accident on a vehicle I now longer own. My insurance company released me from the liability of this accident. The other parties insurance sold the debt to a collection agency which is making threats to request suspension of my licence in a letter dated XX/XX/20. I receive harasses phone call on a day to day basis. They now are trying to connect the claim to a business my husband owns and operates. I keep trying to refer them to my insurance company and asked they do not contact me but it continues to escalate on their side.
Consumer complaint received 2022-02-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Lending Club Corp (DC)

I opened a one-year certificate of deposit with Lending Club on XX/XX/XXXX for {$24000.00} that matured on XX/XX/XXXX. A couple of weeks prior to the maturity date, I instructed the bank to upon maturity deposit the balance of the certificate of deposit ( which would be principal plus accumulated interest ) into my checking account. On XX/XX/XXXX, the bank deposited the original principal of the CD into my checking account, but did not credit the interest. ( Based on the CD 's rate, I was expecting an additional {$120.00}. ) I first notified the bank of this on the evening of XX/XX/XXXX by phone to the Lending Club customer service line. I was told that the bank personnel who could address this issue were not available after XXXX XXXX  but that my concern would be addressed on the next business day. There was no action, so I called again on the evening of XX/XX/XXXX. Again I was told that no one was immediately available to address this, but the issue would be investigated and resolved. 

But by XX/XX/XXXX it had not been. I called Lending Club customer service again ; this time around XXXX XXXX. Eastern, while bank staff would be available. I asked to speak specifically to a supervisor with authority to expedite paying the interest due on this account. Unfortunately, I neglected to get the person 's name. But I was assured that the issue would be addressed by the end of the daythat " the interest could be credited manually. '' However, at the close of the banking day, that had not been done. 

I am putting this matter on record with a request that the CFPB take action to require full interest payment. This should be unnecessary ; payment of interest on CDs and savings account is a routine banking actionapparently so routine that I can not readily find a reference on the internet to what the recourse would be if a bank does not pay a depositor interest due on an account when the depositor is in compliance with its terms of service. It apparently almost never happensuntil now.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MT)

I was notified by Wells Fargo via email on XX/XX/21 that I had incurred an NSF fee in my XXXX  checking account because my XXXX mortgage payment increased without my prior knowledge. I contacted XXXX to try and understand the issue and get the NSF reversed. I first contacted the XXXX number and the employee did reverse the NSF fee because of the situation but could not help me with the mortgage issue so she transferred me to another XXXX employee. They had mailed me my annual escrow analysis statement back in XXXX, but it did not arrive. I understand because its the USPS and not very reliable. 
The mortgage employee explained that my payment increased because of an increase in taxes and this caused my payment and additional principal payment to increase. She would place a work order to change the payment amount and principal payment amount to correct this issue for XXXX going forward. I asked what about my XXXX payment and she said she would place a note to correct the XXXX payment too. 
I later received another email on XX/XX/21 because the payment was tried again and the work order was not fulfilled. 
I contacted XXXX  mortgage again on XX/XX/21 and was told the work order will not take care of the XXXX payment but will take care of the XXXX payment going forward. I was transferred to a mortgage supervisor who told me I had to talk to my checking account financial intuition ( which is XXXX ) to place a stop payment so XXXX mortgage will stop trying to pull my mortgage payment. I was transferred to the personal banker line of XXXX ( after sitting on hold for some time ) who said he couldn't do it but would transfer me to someone who could. The next XXXX employee told me she couldnt do it. She worked in the background figuring out what to do for another 20-30 minutes while i waited, she finally transferred me back to XXXX  mortgage who told me the same thing i was already told earlier. In total, I was on the phone for a total of 1 hour and 13 minutes and the final guidance i was given was to just wait for all three attempts of XXXX  mortgage to try and pull the money out of my account, even if i keep getting NSF fees, and after the three attempts, make a manual payment of the amount i want.