davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to file a formal complaint regarding the repeated failure to remove charge-off accounts from my credit report, despite multiple attempts to rectify this issue.

It has come to my attention that despite providing evidence of fraudulent activity and sending an FTC fraud report as mandated by section 605b of the Fair Credit Reporting Act ( FCRA ), the following charge-off accounts have not been removed from my credit report : These accounts were opened without my consent or knowledge, and they are clearly the result of identity theft. As such, it is imperative that they are promptly removed from my credit report to prevent any further damage to my creditworthiness.

I have made numerous attempts to resolve this matter through proper channels, yet the accounts remain on my credit report, inaccurately reflecting upon my credit history. This persistent failure to address the issue not only violates my rights under the FCRA but also undermines my ability to secure credit and financial opportunities.

Therefore, I am formally demanding the immediate removal of the aforementioned charge-off accounts from my credit report. If you maintain that these items are 100 % accurate and verifiable, I require copies of any documentation associated with these accounts bearing my signature. However, I can assure you that no such documentation exists, as these accounts are a result of identity theft.

Please be advised that if the requested action is not taken within XXXX business days, I will have no choice but to escalate this matter and seek legal recourse. I am committed to resolving this issue in a fair and lawful manner, but I can not tolerate continued negligence and non-compliance with the law. With this, I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00}.
Consumer complaint received 2022-12-29
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)

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. 
XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have had half a dozen Business Credit Cards in the past and have never had a problem with personal credit. I recently opened a XXXX XXXX XXXX XXXX Credit Card for a business purchase and they reported my balance and information on my personal credit report. 

I understand that I am a personal guarantor of the credit card- like all business cards- but NONE of the other business cards have ever reported on my personal credit report. I have excellent credit 780+ and used the card for a business purchase of about {$10000.00} and my credit score dropped by 104-114 points. This PERSONAL credit report was not clearly disclosed. When I called XXXX XXXX they said it is in the terms and conditions. I checked and it is buried in there. It is NOT clearly highlighted that this will impact personal credit or report on personal credit. They are the ONLY company I have dealt with ( XXXX, XXXX, XXXX XXXX, others ) do not report this. This needs to be disclosed CLEARLY just like APR and other issues. This has now negatively impacted me and I NEVER would have opened this card if this had been disclosed clearly, which it was not, and was misleading. 

I read the entire website- NO WHERE is it mentioned that this will report on personal credit. I read the Terms and Conditions on the site, no where does it say that it will report on personal credit, which is a deviation from industry norms. https : XXXX XXXX XXXX
Consumer complaint received 2020-03-26
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)

XXXX, TRANSUNION AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING THESE FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS AND INQUIRIES : XXXX XXXX XXXX : Account Number -- -- > XXXX -- -- -> Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Account Number -- -- -> xxxxxxx -- -- > Date Opened : XX/XX/XXXX XXXX XXXX : Account Number -- -> xxxxx -- -- -> Date Opened : XX/XX/XXXX XXXX XXXX : -- -- -> XXXX -- -- -> Date Opened : XX/XX/XXXX Fraudulent Inquries : XXXX XXXX/XXXX  : Inquiry Date : XX/XX/XXXXXXXX XXXX   Dba XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX : iInquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XX/XX/XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXi : Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX : Inquiry Date :  XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the fair credit reporting act. The list of below accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

Good morning Time and time again I have tried to discuss and have someone fix this. I have a student loan by XXXX the department of education which first garnish my payroll at {$40.00} weekly through a rehabilitation program and at the same time I had a separate $ XXXX   monthly payment that is automatically paid. Neither those amount were neglected or default but time and time again this company reported me late and on default damaging my credit. Further I have completed my rehabilitation program. As of XX/XX/XXXX due to the pandemic the Care act was placed that states that all student loans should not be reporting negative to the credit bureau. The care act also states about {$0.00} interested and even forbearance to be put in placed. Yet on XXXX XXXX reported me negative decreasing my credit score damaging my chances to qualify for a home that I so much need. This needs to be stopped. I have complied with all the requirements and no one seem to care and continue addressing this matter with careless and rude behavior. My credit shouldn't be mark negativity from the beginning. XXXX has been recieving payments upon agreement. I need someone to seriously look on this matter because this is unacceptable and very dangerous to my credit and is affecting my living possibilities. I do not believe this company have treated me fairly from the start. I need someone to make them address this matter properly
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Upon analyzing my changes, I discovered that my personal credit file has been given inaccurate information. The Experian Credit Reporting Agency have continued to publish unverified information without giving the legal documentation that is needed under the Fair Credit Reporting Act, 15 USC Section 1681i. The 3 Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following questions to be stopped : XXXX XXXX XXXX  XXXX/XXXX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2022
Consumer complaint received 2021-03-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have been paying on HELOC mortgage on time & verifying my payments using my USPS monthly statements. 

The mortgage servicer had been sending me monthly statements prior to this week. 

I tried setting up my account online this week & due my previous bankruptcy the servicer is refusing allow me online access ( they were included in the bankruptcy but I have equity in my home so I continue to pay them ). 

Now that they have my email address & I consented to electronic delivery they do not want to send me paper statements ( a feature that I had two days ago ). Now they are telling me that they do not send out paper statements. 

So now I have no access to my account online or by paper. 

Every time I try to speak with a supervisor they hang up on me. 

I need help getting this servicer to generate a monthly paper statement. I do not trust their customer service/tech support people & I feel they are just trying to avoid paying for postage. 

I have two new laptops & have reliable internet access so I know that's not my computer.
Consumer complaint received 2020-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (PA)

On Thursday, XX/XX/2020 at XXXX I called Wells Fargo and was on the phone for over 2 and a half hours. I wanted to have a copy of a chargeback sent to me for my company. Also I wanted to know why I received an overdraft on our one account. I asked for the balance and the amount that I originally called about and it was {$1300.00} less than what it was supposed to be. My balance last time I checked was {$4100.00} and today {$2700.00} and I did not authorize nor conduct any transactions. In going over the information with the bank there was a chargeback against my account in the amount of {$510.00} which I had confirmation from the Visa company that they withdrew that amount in XXXX and I wanted to verify whether those monies were actually withdrawn from my account because we reimbursed the customer that amount in XXXX. I asked the customer service rep to put the account on hold and not allow any other withdrawals. She said there were several options, close the account and have the check mailed to me for the remaining balance, come into the branch and close the account or just withdraw the amount I was comfortable with, but that could only be done at the branch. I offered to come to my local branch, but they said it was closed due to the coronavirus. I asked about 2 other locations and those were also closed. I said under these trying times we need to conduct this over the phone. Then she told me that my one account had another charge on it. I at that point told her out of frustration I wanted to close the account and have a check mailed to the address on record. She told me no I could not have my money since I have a claim for {$670.00} opened and I told her to forget about the claim and I just want my money. I am still waiting for another claim which was reported to the police as there was fraud on the account for {$3000.00} and it has been over a year and I still have not been reimbursed for that account to date. They told me that I didn't report it within 24 hours so they weren't responsible to refund my monies which were illegally removed from my account. I told her I want to use the other option she gave me to close the account and have a check sent to me because our company is struggling right now due to the current coronavirus situation and I needed the money for our bills. She said no and I said that's our money not yours and I want you to send it to me. She then said that I was unprofessional because I was getting upset and she was disconnecting the call at which point she hung up on me. I was on the phone from XXXX until XXXX and they kept switching me to different people and the last lady was allegedly a supervisor. This is extremely poor business practice and I feel it is illegal for them to keep our money and not send it to me when I request it and ask to terminate our business relationship.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

See Previous Complaint # XXXX I received correspondence from Loancare, and they sent me another standard letter. The problem with information stating that I missed one payment is still showing on my loan. Also, in the message, it said that my request had once was again denied for PMI removal. And that I could send {$420.00} to have my home appraised to calculate an accurate appraisal amount. I sent the payment to a separate location and waited for the 60 days to get contacted by the company. No one ever contacted me about the appraisal. I called today to inquire about the assessment, and once again, they applied the payment to my principal balance. When I made the dreadful call to customer service, I kept getting the sir I understand your frustration response, which they do not, or they would try to do more to help me. Again she stated that she could only put in a request for the internal insurance department to review the misapplication of payment. I again asked for someone to speak too that could resolve the issue ; I received, " They are going to tell you the same thing. '' I demanded to talk to her manager. I waited on hold for an hour, and a hostile manager stated that they could not do anything. I again demanded to speak to her manager, and she said there was no one else that could resolve the issue on this call, and there was no one else to talk with currently. After I debunked the incorrect response because there is someone that manages you, she said, your just going to wait on hold an hour again. I requested to wait. After the hour on the phone, someone picked up the phone and disconnected the call. I am more than fed up with Loancare 's ineptitude and will try CFPB one more time ; before I proceed with legal action. My expected outcome is to have the appraisal amount go towards my appraisal and to get PMI removed.
Consumer complaint received 2022-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Groundwork Holdings LLC (MO)

XX/XX/XXXX On XX/XX/XXXX, my fiance ( XXXX XXXX ) and I submitted a contract on a XXXX XXXX XXXX XXXX home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Villas is the subdivision name ). At the time we submitted the contract my fiance 's grandmother told us that she would provide a gift letter for the closing costs. 

We didn't realize at the time that XXXX XXXX had us sign a builder 's contract which gives XXXX the authority to 1 ) change dates for loan commitment 2 ) change home completion dates 3 ) proceed with construction if we couldn't get financing and most importantly 4 ) if we were turned down by our lender we had to go through XXXX 's lender XXXX. 

We provided both XXXX and XXXX with a letter from our initial lender which turned us down for insufficient closing funds after my fiance 's grandmother stated that she couldn't provide the gift letter or funds. 

We submitted a written letter, a mutual release and extensive email communication explaining our situation but we were encouraged by XXXX 's display representative who was not a realtor and XXXX representative XXXX XXXX to continue the process or we would be in default of the contract terms. 

The XXXX display representative glossed over the contract and did not provide us with a hard copy until after we had docusigned every element of the contract. We were turned down in writing by XXXX Mortgage as well as verbally by XXXX Mortgage but XXXX insisted that we continue the process or we would also have to forfeit {$6000.00} of our lot deposit. 

Under the terms of the builder 's contract if our bank couldn't get us the loan then we had to go through XXXX. The result is that with a XXXX XXXX of XXXX and {$270.00} in assets, XXXX approved us for a {$310000.00} loan. 

We never signed a finance contingency waiver and our loan commitment date was XX/XX/XXXX but our agent submitted an amendment to give XXXX until XX/XX/XXXX to extend the loan commitment time but XXXX would not sign the amendment or the mutual release asking for the return of {$3000.00} of the {$5000.00} that we submitted for the lot deposit. 

Yesterday XXXX said that we got loan commitment and that unless we go through with the contract that they will sue us as well as charge us almost {$650.00} for every day that we don't close. 

When we entered into the contract we had every intention of closing on the house but our loss of closing costs and inability to get approved by XXXX has made no difference to XXXX. They are going by XXXX assessment of our ability to get the funding to close. We feel this is an extreme case of predatory lending and we would like XXXX investigated for this because we are sure that this is not the first time that they have done this. Thank you. 





Update XX/XX/XXXX : Purchasers maintain a strong complaint against XXXX, and would like for them to continue to be investigated. ( The matter with XXXX homes has been settled )
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

I have a previous complaint number XXXX. The letter the company put on your website, which was correct, is different from the one the company has in their system. I am also concerned about what is going on with my overpayments, as it is not addressed in this letter. I continue to receive collection calls. The agents and supervisors state there are numerous misapplications of my payments. This has been going on for 6 months. I spend HOURS every month on this and have not been able to get this resolved.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-03-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

I am apply for a mortgage modification for the 10th time in the past two years. I am denied for my forbearance request and have proof of unemployment. I have enough income to cover the mortgage and utilities and am still being denied the forbearance. I believe that i am entitled to the forbearance request and am being denied as the servicer tries to earn fee income and compounding interest on the holding of my note
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

XX/XX/2021. {$7600.00}. I have requested Honda Financial service to update the account as I no longer owe them and have a XXXX  balance. the account is reporting that it is in collection and and I have a outstanding past due balance which I dont have with them because we have come to a settlement and I now owned the vehicle. Theyre reporting a closed paid account as in collection and negatively hurt my credit and so I cant get approve for loans. I have also disputed this to the credit Bureaus and they told me to contact Honda financial service, then Honda financial service telling me to go back to the bureau. They are double reporting a account that is paid as in collection with a balance