davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
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)

Ive asked XXXX XXXX to provide proof of ownership for the account they having reporting on my credit file as of XX/XX/2022they still havent provided proof of ownership of this account. Also, there were unauthorized charges on this account that I disputed still waiting on XXXX XXXX to provide me with all signatures provided on each and every transactions. I disputed that within the 30 window and still nothing, this company should not have been allowed to report anything to the credit bureaus. This company is in violation of The Fair Credit Reporting Act m. Please remove account from all three credit bureaus immediately.
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LD Holdings Group, LLC (TX)

Loan Depot Complaint RECEIVED NOTICE OF MY PERSONAL SENSITIVE INFORMATION NOT BEING PROPERLY SECURED BY LOAN DEPOT WHICH HAS LED TO A DEEPLY DISTURBING AMOUNT OF PROBLEMS INCLUDING, MY INFO FOUND ON DARK WEB, XXXX ACCOUNT HACKED AND OBSURD MESSAGES SENT TO FAMILY AND FRIENDS, ATTEMPTED UNAUTHORIZED CHARGES ON MY DEBIT CARD. FRAUD ALERTS FROM XXXX. XXXX XXXX, AND XXXX. EMAILS SHOWING UNAUTHORIZED USE OF MY ACCOUNT. IVE SPENT DAYS CONTACTING BACKS CHANGING ACCOUNT NUMBERS, ORDERING NEW CARDS, CREDIT FREEZE AND LOCKED, REPORT TO FEDERAL TRADE COMMISSION, DILIGENTLY CHECKING ALL MY ACCOUNTS FOR UNAUTHORIZED USE AND CHARGES. CONTACTING LAWYERS. ID LIKE TO KNOW HOW LOAN DEPOT WILL BE ACCOUNTABLE FOR THIS BREECH AND LEAK OF MY INFORMATION WHICH HAS CAUSED EXTREME XXXX DISTRESS AS WELL AS XXXX XXXXXXXX XXXX FOLLOWED BY EXTREME XXXX. 


Key Facts : I received a notice from Loan Depot indicating a data breach compromising my personal sensitive information had taken place.. 
This breach has led to significant problems, including : My information appearing on the dark web. 

My XXXX account being hacked and used to send inappropriate messages to contacts. 

Unauthorized attempted charges on my debit card.

Fraud alerts from XXXX, XXXX XXXX, and XXXX. 

Emails showing unauthorized use of my accounts. 

I have spent considerable time and effort addressing these issues, including : Contacting banks and changing account numbers. 

Ordering new cards. 

Implementing credit freezes and account locks. 

Reporting the incident to the Federal Trade Commission. 

Monitoring accounts for further unauthorized activity. 

Consulting with lawyers. 

Desired Outcome : I am seeking to understand how Loan Depot will be held accountable for this breach and the resulting XXXX XXXX, XXXX, and XXXX XXXX I have experienced. 
I expect Loan Depot to offer a comprehensive solution to address this situation and restore my sense of security and to rectify this horrific incident. 
Documentation : I have received a written notice from Loan Depot regarding the data breach dated XX/XX/2024 I have documented communication with relevant institutions regarding fraudulent activity. 

Contact Information : Loan Depot Headquarters LoanDepot.com, LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, United States.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/2022 To Whom It May Concern : I looked over my credit report and found some addresses that appear incorrect. I've enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed ( which I would like to be removed please ) : ( Previous/Incorrect Addresses ) 1. XXXX XXXX XXXX XXXX, XXXX, VA XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX 3. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX 4. XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX 5. XXXX XXXX XXXX XXXX XXXX, NY XXXX 6. XXXX XXXX XXXX XXXX, VA XXXX 7. XXXX XXXX XXXX XXXX, VA XXXX 8. XXXX XXXX XXXX XXXX XXXX, WA XXXX 9. XXXX XXXX XXXX XXXX XXXX, Va There should only be one address listed on my credit report, which is XXXX XXXX XXXX XXXX XXXX. 

Please remove inaccurate employers as well as listed below : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX Please remove inaccurate phone numbers as well as listed below : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX Please remove inaccurate names : XXXX XXXX Thank You, XXXX XXXX
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I got the auto loan in XXXX and the car was repossessed in XXXX. It was sold at for a little over XXXX XXXX. It was updated on my credit report in XXXX.Ever since it continues to be updated and listed as a personal loan on my credit report and it appears to be renewed, every time the removal date comes up. There is no balance due, this is just malicious, I'm fairly certain this violates the fair credit act.
Consumer complaint received 2022-05-30
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. (GA)

I have a number of incorrect factors being reported on my credit report. Student loans are reflecting information that shouldn't be. Please verify data on each. I've disputed several times and it keeps coming back, by credit reporting agencies that the information on my credit report is verified. I know this is not accurate and would like a verfication and removal from credit report. Of course I could list all consumer protection codes/laws that protect me and my credit profile from this wrong data, but you already know each one.
Consumer complaint received 2024-04-03
Product: Credit 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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, Chase posted a {$27.00} charge onto my Chase Sapphire Reserve credit card with a transaction date of XX/XX/XXXX, purportedly for " XXXX XXXX Guest Visit. '' Access to XXXX XXXX XXXXounges is a benefit of the Chase Sapphire Reserve product. The benefit is spelled out at https : XXXX In part, the website provides that : " With a Chase Sapphire Reserve credit card, primary cardmembers and authorized users can activate complimentary XXXX XXXX XXXX membership. After that, they can access airport lounges with up to 2 guests for no additional fee. '' I am the primary cardmember, and my spouse is an authorized user. We have XXXX children. Each of us brought a child into a XXXX XXXX lounge. Based on the foregoing, no fees should have applied, since neither me nor my wife brought more than two guests. 

However, when I called Chase to dispute this transaction, I was told that the fee was for a guest exceeding the limit of 2, and that I could not dispute the transaction because it was an internal Chase charge. 

I explained that I brought one guest into the lounge, and that my spouse brought one guest into the lounge. The representative claimed to understand the matter and said that the charge would be reversed. However, three weeks later I received a letter from Chase stating that the charge was imposed for an additional guest beyond the limit of two. It was as though the conversation with the representative never happened.

I called Chase back and explained the situation to six agents. Each indicated that they understood that no fee should have been imposed but said they were powerless to dispute or remove it. 

It is outrageous that a credit card could place a charge and refuse to provide a mechanism to dispute it. At no point did either my spouse or I bring more than two guests into a XXXX XXXX lounge. I brought one guest, and she brought one guest. No fee should be due ; however, due to Chase 's unwillingness to offer us a dispute resolution process, we have no means of disputing this improper charge.
Consumer complaint received 2022-12-18
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. (KY)

XXXX XXXX XXXXXXXX XXXX XXXX date XX/XX/XXXX business type automotive dealer inquiry not made by me XXXX XXXX XXXXXXXX XXXX inquiry date XX/XX/XXXX this is type automotive dealer inquiring not made by me I've tried to have it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  car sales inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX slash XXXX inquiry not made by me XXXX XXXX XX/XX/XXXX inquiry not paying by me
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SN SERVICING CORPORATION (UT)

I have attached some paperwork it is not everything as it was to much to attach. I was past due on my loan there were two payments not posted to the loan. I was going to pay everything that was past due and the two payments would be the balance I was locked out of the online portal. When you get locked out if you have signed up for electronic correspondence you wont receive any kind of correspondence. I told this to XXXX from SN Servicing. She constantly ignored my requests for information to be mailed to me. The amounts that she was saying were way off base. I had not received a statement since XX/XX/XXXX. This was XX/XX/XXXX. I also found out that they changed the terms of the loan, We purchased our home XX/XX/XXXX on a 30 year conventional sometime in XXXX or XXXX they changed it to a 40 year loan and we never refinanced. As soon as I started asking questions thats when she really didnt want to help and tried to rush it into foreclosure without sending me any information or anything that told me what they were charging me for. I am so sick I haven't slept in 5 days or eaten anything. I'm old maybe that is why they are doing this to us. I need help please someone help me
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (GA)

I do not have an open account with XXXX bank or calvary this is XXXX. I will be suing this account says open 1 month. My credit has been froze for over a year due to identity theft. 

Also who gave calvary my information? I will be at the court house today. This needs to stop The account says open how can an open account be in collections? FRAUD XXXX SUING
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX  XXXX XXXX XXXX date XX/XX/XXXX business type automotive dealer inquiry not made by me XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX this is type automotive dealer inquiring not made by me I've tried to have it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX car sales inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX slash XXXX inquiry not made by me XXXX XXXX XX/XX/XXXX inquiry not paying by me
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Stage Funding (LA)

All the accounts that are listed on my credit report was not given permission to share my social security number with anyone and the distributed it without my consent. They all have violated 15 USC 1681, 15 USC 1681 Section 602A, 15 USC 1681 Section 2 of 604A. I have sent all information to both Experienced and XXXX and have not gotten the problems corrected. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX Bank all violated according to the XXXXXXXX XXXX XXXX of 1863, 31 USC 5118, 15 USC 1602g, UCC 3-104, 12 USC 1431 , and 42 USC 408 . All were sent out negotiable instrument from attached statements as well as approved 1099-A payments and all of the companies kept the negotiable instruments as payment but didn't apply it to my account. I sent all companies a copy of my documents with a Conditional Acceptance Letter. I do not owe neither of them because I am not the person of the " all caps '' name. I am the representative of that person and they knowingly sent the information without consulting me. I request the original primossary note, 1099-A, that was filed according 15 USC 1666D , 15 USC 44 , and 12 CFR 1026.17 that is defined in the IRS Publication XXXX. Still have not gotten that and its been since XXXX. Everyone was asked to provide me with proof of claim that the credit agreement was a lawful and enforceable contract signed by both parties giving equal consideration. As well as asking for proof of claim that they had my consent to issue any of my personal trust information to any third party pertaining to valid lawful agreement signed by both parties.
Consumer complaint received 2020-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (UT)

On XX/XX/2020 at XXXX i deposited {$280.00} cash to my checking account. The receipt said it's on my account and available. I logged in to my online account and it is not available. After calling in the said I have to wait XXXX hours. They also stated that it was made after cut off time and the business day was over.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

SunTrust issued a 1099 misc to me showing non employee compensation of {$6000.00}. It took me several days and fruitless phone calls to SunTrust before I realized on my own that one of many insurance claim disbursements funneled through the incredibly unhelpful loan loss departments at SunTrust was for the amount reported as income ''. These funds were for hurricaine irma damage to my home. In total $ XXXX was held by them on my behalf in a no interest bearing acct. v unfair. 
I called the loan loss dept in XXXX First I was told that I must pay taxes on homeowners claims. I couldnt speak to a supervisor but one could call me in 24-48 hours. Outrageous that they made a false report of income to irs and you cant speak to anyone who understands issue. 
I called customer service and a v helpful lady told me shed had a number of customers issued these forms in error this year and last year! How do they get away with such a harmful mistake for more than one year? after a week or two someone called and told me it was all fixed. Ive been told that a corr3cted 1099 was issued XX/XX/XXXX but I have not received it as of XX/XX/XXXX. I did get a corrected 1098 int so apparently they have sent two pieces of incorrect info to the irs about me. 
If I hadnt worked in the tax field I would have put this {$6000.00} on my tax return s income and paid XXXX in taxes that I did not owe. No doubt hundreds of their customers have done this. 

Why dont they have to go back and identify all mistaken 1099s that they issued and work with irs and customers to resolve. This is a serious misuse of my social security number and personal info in my experience. 
I need a copy of the corr3cted form and a letter admitting to their mistakes do that I have documentation if the irs relies on their bad info to hold up my refund or to issue me a bill. You arent allowed to email them and all representatives tell you they have no direct phone number. I went to a branch to try and get a copy of the corrected form but even they cant penetrate the barrier SunTrust has erected between them and their customers. The lady at the branch was told that I could print this form from their online banking site. Untrue! It is not listed in the document section of my account
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TN)

I apparently made a mistake in my loan payment, US Bank had me on autopay for certain amount for my HELOC account, I tried changing autopay to add extra to pay it of quicker, It gave me a message that said that in order for me to do that, I had to remove autopay, I did remove it and I could not add an additional amount to pay off loan quicker, so the dame exact date that I removed it, I set autopay again. Apparently when I set autopay back on, there was not enough time to receive the payment when it was due. I was thinking that payment would automatically be made, US bank never called or sent me a letter saying my payment was late, the only reason I knew that my payment was late was because I received a notification from my credit monitoring that I had a payment missed by 30 days. US bank never made an intention to get a hold of me, I am very upset of this company, they ruined my near perfect credit. I can provide a credit report where it shows exceptional credit history. Please help.
Consumer complaint received 2022-06-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc (AZ)

I called H & R Accounts ( XXXX ) to let them know the debt was currently under dispute and investigation by a third party. I also told them I did not have an estimated date of when it would be resolved or the outcome. I offered to pay as much as I could to have the debt satisfied. They declined and threatened that if I did not pay the amount in full they would report it to the credit bureaus by a specific date. 

I then sent a verification of debt letter ( certified mail ) and called to make sure they received it. They confirmed it had been received but threatened again that a report would be sent to the credit bureaus if it was not paid in full by their arbitrary date. They reported this debt to the credit bureaus prior to me receiving any verification of debt from them or trying to come to any sort of resolution.
Consumer complaint received 2019-05-06
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. (AL)

I have a car with XXXX and have made all of the payments and have continued to make all of the payments. At the time of XXXX, XXXX I got sick and was in the hospital and was having my throat cut for the second time. I called XXXX and advised them that my payment would be at the end of the month, and that my son, was making one also, and that I would be making another through the XXXX check. Sometime at the end of XXXX, XXXX after making all three of these payments and working with them they sent a man out in a truck and he advised that he was there to talk to us about the car. My husband told him there was nothing to talk about because I had worked it all out with XXXX and that I would be back in a few days and would be about to talk and explain it to them. He said that he was not talking to XXXX or us but that we needed to call them. My husband and my son went down to the lot of the place where he came from the next morning and explained it to his boss and they called XXXX and they advised that they had spoken to the supervisor and found my notes and everything was back on track going to be okay. I have consistently made payments to XXXX through my debit card or through XXXX XXXX or XXXX XXXX and since XXXX, XXXX they have been on time and not late and even before then we were on time and maybe late once or twice. XXXX went back into my credit report sometimes after XXXX, XXXX and placed that this car has been repossessed. This car has never left my possession and it has never been repossessed. When i called and questioned it on my statement they credited back {$50.00} as a late fee because they said that is all they could process it as because it had been added to the end of the loan. I will pay this car off at the end of this year and it has full coverage insurance and XXXX miles on it and it again has never left my possession.
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (FL)

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX XXXX XX/XX/2022 Collection XXXX  # XXXX No Category XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-06-04
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 filed a Dispute in regards to the incorrect items on my credit report with Credit Bureaus Equifax and XXXX on XX/XX/2022. It has been well over 30 days and I haven't received any investigation results. 

Kind Regards XXXX XXXX
Consumer complaint received 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I have contacted both XXXX XXXX XXXX XXXX and Transworld Systems Inc to rmeove the account from my credit report as it is a fraudulent account. I have submitted police reports, proof of my identity, and FTC report as requested, and this issue has not been fixed since last year. I have contacted them since last year, and yesterday as a follow up, Transworld systems stated " the account is pending account status from XXXX to close off the account to be able to be removed from credit report ''. When I call XXXX, they state " the account is under dispute status and it has been there since last year, send an email to XXXX and XXXX ''. I have done this already and no response has been received, since last year. 


ACCT with Transworld Systems # XXXX XXXX  ACCT # XXXX Company : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

FTC Identity Theft.gov reference number XXXX