davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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. (NJ)

In accordance with the Fair Credit Reporting act 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 2024-04-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA (CO)

I tried to withdraw my full bank account balance to my external bank account at Marcus by Goldman Sachs to my brokerage account on originally in early XXXX, XXXX. They blocked the withdrawal without letting me know the reason. They also froze my account, so I am not able to withdraw my money. I was previously able to pull out whatever amount of money from the account in smaller amounts which I had done so multiple times. 

Over the past three weeks, I called them many times to resolve this issue. At the first and second call they said that the reason for this was quick money movement and could not do anything over the phone and to try again the next day to see if the hold had been removed from my account. At the second or third call, they said I couldn't withdraw to the account I had made the smaller withdrawals from because it was not the account I had originally deposited with. At this point, I had decided I was done with their services and requested a closure of my account and demanded a full withdrawal. I was then told that the account I had originally deposited with had been removed from their records and the only account that remained was the account I was told I could not withdraw my balance to because of " quick money movement '' ( even though I had already made withdrawals to this account previously. Once connected to a supervisor, I was told the only way to receive my money would be to reconnect the account they removed by recording the trial deposits they promised they would send, in the next 5 business days and even then, I would only be allowed to withdraw a portion of my balance ( not the entire amount ). After asking why this was, they told me I had to have it in their account for 90 days I had opened. Having this experience doesn't make me want to continue having an account with their service and after I do reconnect the account, they promised me that I could withdraw from, I don't trust that they will allow me to withdraw my balance.

I think Marcus is just purposely preventing me to withdraw my own money there, in the name of security and authentication. It has almost been a month of calling. They did absolutely nothing concrete apart from saying vague words " creating a case '', " making a note to expedite this '', " we are in the process of XXXX ''. 

Looking around the internet, I realized that Marcus is notorious for holding up their client 's money using similar excuses.
Consumer complaint received 2020-08-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Braviant Holdings, LLC (UT)

I was called 3 times in a row ( with no break in between calls ) from the same number XXXX today, and my husband, brother in law, and sister were also called. Today was the first time I had been called by this company and they left a message for me, my husband, and my brother that I was being served legal papers. I called them back to find out what it was for and they said it was for Balance Credit. The collection company was called XXXX and had a call back number of XXXX. They immediately accused me of defrauding a company that I had previously repaid loans to and I explained that was not what happened. I had lost my job at the time and was unable to pay any of my debts. I have proof of my claims. I also advised the representative XXXX that I do not have any available funds to make a payment today. She only offered me to pay off the balance in full or with a settlement today ... I was offered no other repayment plans and was told that this will be taken to court since I can not immediately settle the debt. I believe this to be an unfair practice as I was not given any reasonable options to pay or time after being notified of the attempt to collect the debt.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Usaa has closed my account and they are refusing to let me have access to my money. They overnighted my daughter her money but they are refusing to mail me my money in the same manner. This my money I earned it not them. Usaa has no right to keep my money.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$1800.00} High Balance {$1800.00} Remarks Collection account Creditor Contact Details No contact information has been reported by this creditor. 


all ftc violations and need to be removed as stated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-18
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. (TX)

XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$1800.00} High Balance {$1800.00} Remarks Collection account Creditor Contact Details No contact information has been reported by this creditor. 


all ftc violations and need to be removed as stated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

On XX/XX/XXXX I got a letter from XXXX XXXX XXXX saying that my new monthly payment was going to be {$4100.00}. This company sold this loan to Lakeview Loan Servicing and I got a letter on and this company is telling me that my new mortgage payment is {$4800.00} We proceed to call the new loaner company Lakeview and clarify the issue on XX/XX/XXXX and they told us to send the documents that XXXX sent on XX/XX/XXXX we did the process online and email out the document same day. We called again to Lakeview on XX/XX/XXXX trying to get an update and they told us because the loan was recently sold they are still working on getting all the documentation to update my mortgage payment as needed. Today XX/XX/XXXX called again Lakeview and XXXX told me that they close my last request and that I needed to reach out my previous loaner I told her honestly we dont know what else to do we already email out the document and you guys bought the loan so you need to have all the documentation even though we emailed out on XX/XX/XXXX the lady put on hold to review notes and documentation and after waiting on line she told me that their company will run another escrow analysis on XXXX and that will the monthly mortgage payment, so I asked her at this point my only option is to do a payment on that mortgage amount and wait? She said yes, so I told her honestly this is very unfair and at this point Ill file out a claim because it doesnt make any sense I got a letter from previous lender with an updated mortgage amount and now the only option that I have is to pay whatever lakeview wants me to charge.
Consumer complaint received 2020-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Today XX/XX/XXXX I went online to view my XXXX credit report. I found several errors still that have not been corrected. I tried submitting a dispute online for all the errors. After putting in all the information for each one I received a submission failed message. This is very fustrating. The first item on my report is 2 inquiries from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. My credit was ran only 1x not 2x. It's showing as 2 inquires which affects my score. Another inquiry is XXXX 's on XX/XX/XXXX which I did not do. I have a XXXX XXXX  card for a few years now I did not apply for another card. Another inquiry is XXXX on XX/XX/XXXX again I have a XXXX card for a few years and did not apply for another card. Having these 3 inquires on my report is affecting my credit score in a negtive way. I am also disputing again I do not have 2 auto loans. I only have 1 auto loan with XXXX XXXX XXXX. It is still showing from XX/XX/XXXX an amount of over {$4000.00}. This was paid when I re-leased another vechile with them in XXXX. We are in XXXX I have leased 3 times with them already and there is no balance. Having this {$4000.00} auto loan show is also affecting my credit score as it is showing more debt than I really have. I could not reach experian through telephone to dispute all this again all I get is they are busy and if I want to order my credit report.
Consumer complaint received 2020-06-18
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: AMERICAN EXPRESS COMPANY (DE)

i am in a deep hole due to fraudulent activity and i have done almost everything i possibly could to correct this misinformation on my report. theres an amex card saying i owe over {$12000.00} which is not true and a few other wrongly placed items. please look into these and block the accounts
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (VA)

On XX/XX/XXXX, I noticed I received a tradeline on my Credit report from IC System for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/XXXX. Ive obtained all receipts and signatures that my letter was accepted by the agency. 

By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/XXXX and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.
Consumer complaint received 2024-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (TN)

The is a debt collection company by the name of PARAMOUNT RECOVERY SYSTEMS who parked debt on my consumer report without ever contacting or notifying me. I, XXXX XXXX do not know where this debt came from. This company is neither licensed to collect in the state of XXXX and in the state of XXXX. They have violated my rights because I was never given the opportunity to dispute the debt, I did not receive any disclosures, and they are damaging my reputation. This company is also violating the FCRA and FDCPA by reporting two of the same account on my consumer reports. This is deceptive and abusive behavior.
Consumer complaint received 2020-08-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause
Consumer complaint received 2020-08-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause
Consumer complaint received 2020-08-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause
Consumer complaint received 2020-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have been trying to submit my disputed information and have been unable to do so online or by telephone. I have also sent several letters and still no reponse. I am currently a victim of ID theft
Consumer complaint received 2020-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to submit my disputed information and have been unable to do so online or by telephone. I have also sent several letters and still no reponse. I am currently a victim of ID theft
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX  ; Experian and XXXX  should not be reporting that I am ( XXXX ) days late in XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my XXXX XXXX XXXX XXXX XXXX  for identification purposes to continue the investigation of my complaint. ) I contacted the dealership directly to defer a payment due to the COVID XXXX XXXX. The customer service representative I spoke with said they would work with me on the deferment agreement and that no late would be reported. Unfortunately, the customer service representative lied and did not honor our arrangement. XXXX XXXX XXXX will consider payment deferrals on a case-by-case basis. Mot deferrals offered will be between XXXX XXXX XXXX days. This is per the COVID practices of XXXX. Clearly, I was within the ( XXXX ) day time frame. This false reporting of a late is seriously harming my XXXX XXXX and this late 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 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OH)

The simple truth is our new mortgagor, XXXX XXXX, is trying to get an official payoff letter from our old mortgage holder Quicken Loans. They have made two previous requests one in XXXX and one in XXXX. They have not received the letter. Our refinancing with XXXXXXXX XXXX is approved all they need is the payoff letter. 
XXXX out of frustration asked us to call Quicken Loans and ask of the payoff letter. 
My wife called then on Tuesday morning, XX/XX/XXXX to request the payoff letter. 
Not 20 minutes later she got a call from a Quicken Loans sales representative asking her why we were leaving Quicken Loans and wanting us to refinance with them. She told him that we were going with another bank and ended the call. On Thursday morning XX/XX/XXXX she gets a call at XXXX from a different Quicken Loan salesman but with the questions and requests with the same response. Then around XXXX XXXX on XX/XX/XXXX I get a text on my phone from Quicken Loans saying they want me to contact them to discuss a refinancing proposal they have worked out. I have not responded. 
With the full court press going on to get us to go with Quicken Loans do you think they are issuing a payoff letter? I want these weasels to issue XXXX XXXX  a payoff letter.
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (NY)

1 ) CONTACT, LOAN OWNER We have sent 5 Requests for Information, since XX/XX/XXXX, to SN Servicing asking for name, address, and telephone number of who owns your loan. They deny us a contact name, and have provided three different address in Texas, Arizona and Delaware, no contact person. 


2 ) COVID-19 FORBEARANCE Our loan falls under federal protections, but SN Servicing Ms. XXXX XXXX XXXX has denied extending our Covid-19 forbearance, despite fact that our mortgage falls under XXXX XXXX XXXX agreement with XXXX XXXX, so they are violating the PSA agreement associated with our mortgage. 

3 ) FPI - SN Servicing Ms. XXXX XXXX imposed Forced Place Insurance last year, and never advised us? they sent notice to a wrong address, with court advised them was wrong address. 

4 ) LOAN MOD ESCROW - Our loan mod contract clearly states, and it was confirmed at settlement conference by SN Servicing attorney that we pay escrow for property taxes to SN Servicing and they pay taxes. They are escrowing taxes, we are paying them, but they are not paying them to authorities. Several lawyers and the court mediator confirmed this, but SN Servicing is collecting property taxes form us, but not paying them to authorities. 

Our investor/ loan owner is obligated to provide federal protections for Covid 19 forbearance due to their PSA.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AES/PHEAA (LA)

FEDLOAN {$2500.00} XXXX. I have reached out to FEDLOAN in reference to this account. The account is reporting inaccurate information. 90days late payment without it ever reporting 30 or 60day late.which is a violation of fair credit reporting act.
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX ; XXXX and Transunion should not be reporting that I am ( XXXX ) days late in XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to continue the investigation of my complaint. ) I contacted the dealership directly to defer a payment due to the COVID 19 lockdown. The customer service representative I spoke with said they would work with me on the deferment agreement and that no late would be reported. Unfortunately, the customer service representative lied and did not honor our arrangement. XXXX XXXX XXXX will consider payment deferrals on a case-by-case basis. Mot deferrals offered will be between XXXX XXXX XXXX days. This is per the COVID practices of XXXX. Clearly, I was within the ( XXXX ) day time frame. This false reporting of a late is seriously harming my credit score and this late 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 2020-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have been trying to submit my disputed information and have been unable to do so online or by telephone. I have also sent several letters and still no reponse. I am currently a victim of ID theft