davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
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. (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent to Transunion Credit Bureau. However, any modes of response or coordination were not taken on their end. Failure to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the accounts reporting on my Credit Report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$750.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXBalance {$4900.00} XXXXXXXX XXXXBalance {$0.00} XXXX XXXXBalance {$790.00}
Consumer complaint received 2019-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (MO)

I have received multiple robocalls on multiple days from this number ( XXXX ) XXXX. I have listed the dates and times below. The number has only left 2 nearly-identical voicemails. The voicemails say : This is Honda Financial services. Please return our call today at XXXX before __XXXX local time. You can also view and manage your account at Hondafinancialservices.com. Thank you. 
Dates/times calls were received : XX/XX/2019 at XXXX CST ( voicemail left XXXX XX/XX/2019 at XXXX CST XX/XX/2019 at XXXX CST XX/XX/2019 at XXXX CST XX/XX/2019 at XXXX CST ( voicemail left ) I called Honda Financial Services at the phone number listed on my statement ( # XXXX ) on XX/XX/2019 at XXXX CST. The lady I spoke with ensured me my account was not late nor missing a payment. She stated she was unsure of why I would be receiving these calls.
Consumer complaint received 2021-12-28
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: CarMax, Inc. (OR)

On XX/XX/2021 - I mailed a cashier 's check issued by XXXX XXXX to CarMax Auto Finance for the early payoff balance of my vehicle : {$10000.00}. 

On XX/XX/2021, I checked the balance online and the account hadn't been updated yet. The cashier 's check was received by CarMax Auto Finance, endorsed ( XX/XX/XXXX ), and deposited into their XXXX XXXX account. 

I've made multiple calls to CarMax and trips to my local XXXX branch, attempting to resolve this issue. The explanations I have been receiving from CarMax have been changing throughout this process. In addition, after each contact iteration, CarMax hasn't provided any status update or new information. In fact, I have been promised multiple times that they would call me back, or email me- which never happened. Perhaps this is the company response when you try to pay off a vehicle early? 

XX/XX/XXXX : Call to CarMax ( XXXX ) Spoke with XXXX : She told me " They received the check. It's just a posing error. You will not be penalized. Your account will be updated shortly and title will be mailed to you ''. 

XX/XX/XXXX : Spoke with ( XXXX ) : She told me " The check was returned as a fraudulent check ''. I asked her for additional information, and she didn't have any. I asked to speak to the finance department. She told me they don't have a phone number or an email address. They only have a fax number and they will not provide any verification of receipt. 

Spoke with manager XXXX : He told me the cashier 's check was returned for fraud. I asked him for additional information. XXXX told me that he didn't have any. I gave him the cashier 's check information ; Date endorsed, XXXX XXXX account number, etc. He insisted this was my issue. I asked him if he could investigate on his end and he refused. 

I faxed the bank information I had to the CarMax Auto Finance fax number. 

On XX/XX/XXXX, I called CarMax and spoke with XXXX. Then spoke with Sr Manager XXXX XXXX. This time I was told my bank put a stop payment on the cashier 's check. I emailed her copies of the endorsed check, bank statement, etc. She guaranteed she would contact me in 2 days on XX/XX/XXXX. I was never contacted. 

XX/XX/XXXX : Called CarMax and spoke with XXXX. There are no new account notes on file. I requested to speak with a manager. I was told none was available. 

I've went to my XXXX branch multiple times throughout this process. The Regional Manager assures me, there are no issues with the cashier 's check.
Consumer complaint received 2015-06-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is at it again, claiming that I have a past due amount, which is completely false. They received payment on XXXX XXXX, as acknowledged below, which was the last available on-time payment date ( i.e., last date to pay without have to pay a nominal late fee ). I remain convinced that B of A is systematically retaliating against me for keeping you apprised of their unethical business practices. 
Message from Bank of America : '' There has been recent activity to your account. 
A Home Equity Line of Credit payment was received on XXXX/XXXX/2015, in the amount of XXXX. 
Your next payment will be due on XXXX/XXXX/2015. " Despite having received the payment on time, they are showing me as past due, and are no doubt preparing to once again report false information to the credit-reporting agencies. 
Please help stop these shameless and despicable liars. Thank you, XXXX. XXXX
Consumer complaint received 2021-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP (IN)

I've contacted Key Bank several times asking them to apply additional payments to my principal. The first time I was told I couldn't do that. The second time I was told I had to pay the principal reduction before the XXXX of each month. The third time I was told I had to make the regular and principal payments together. The last time I was told that they would try to apply this additional payment ( paid in XXXX ) to principal but that it would not show up until next statement and that I had to call each month to have any additional payments applied to principal reduction. I told the representative that I'm trying to pay down the loan but he said that if I did not send the additional payments via mail, I will have to call each month. They are also changing my regular monthly payment so that I continue to pay the high interest rate. The interest rate is 11.29 %.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (PA)

I have reached out to LVNV Funding and sent them a cease and desist. I also requested specific documentation from this company which i have yet received a response. LVNV funding is in violation of my rights as a federally protected consumer.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of Identity theft and have sent Experian a letter to let them know on XX/XX/21. They received the letter on XX/XX/21, along with an Identity Theft report & identification. There are two fraudulent accounts on my report that have been a result of identity theft, namely : XXXX XXXX Account # XXXX XXXX Account # XXXX Experian has yet to take any action on this serious matter.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4
Consumer complaint received 2017-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

I have sent this company several letters requesting validation of the claimed debt and they have not provided me with viable evidence.They are claiming I owe {$750.00}. I sent them a letter on XXXX/XXXX/2017. They then sent the account to another company and I requested validation of the debt with them as well and they have not provided it. They are giving me the run around and they are not verifying this unverifiable account. I have attached the letter I sent to both XXXX XXXX XXXX and the law office they sent the account to, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have these unauthorized and unverified inquiries on my Transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-28
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: FIRST NATIONAL BANK OF OMAHA (MO)

On or around XX/XX/XXXX First National Bank Of Imaha sought an application to extend a card card To me on behalf of XXXX XXXX XXXX as an agent for the principal ( XXXX ) warranty for my XXXX XXXX XXXX. The rejection came on XX/XX/XXXX stating I had the following : SERIOUS DELEINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED RATIO OF BALANCE TO LIMITS ON XXXX XXXX ACCOUNTS TOO HIGH TOO MANY ACCOUNTS WITH BALANCES These disputes are nefarious at thier core My accounts covered a large time exposure and included XXXX. 
These critics exclude the fact that I have 3 banks XXXXXXXX XXXX, XXXX XXXX XXXX XXXX and a score over XXXX in each credit data company and two credit cards and I and LLC to a commercial company.
Consumer complaint received 2021-12-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (GA)

Flagstar is not following the FHA Covid 19 Loan Modification guidelines. According to FHA guidelines, the target new mortgage payment, principal and interest should be reduced by 25 % to assist families to avoid foreclosure. Instead, I received a reduction of 40 .
Consumer complaint received 2017-06-22
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: U.S. BANCORP (IL)

I have had a  XXXX  rewards card with Fidelity  XXXX  for over 10 years. In  XXXX  of  XXXX  Fidelity (  Elan   ) m oved to a new servicer. When this change was made they capped my rewards without adequate notice. As a result, I did not earn rewards for the first  four  months of  XXXX . When I noticed this and called in they said all I had to do to remove the cap was to was to ask for it. There was not change to my account number. However, they would not credit me with the rewards I would have earned.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUnion LLC, is still reporting on my credit report a Public Record Information for a Civil Judgment against me from : XXXX. The Plantiff : XXXX ; of which, they say is still at the Recorder of Deeds in XXXX XXXX. This debt was 'paid in full ', through a lawyer I hired. My lawyer called the 'debt collection ' lawyer ( whom was hired by XXXX to collect ) ; and she said that she followed through on her end with filing a SOJ to the XXXX XXXX XXXX XXXX of Deeds- to have it removed from Public Record. TransUnion LLC credit reporting agency was ALSO sent the SOJ ; along with the other credit reporting agencies. I have a copy of the SOJ ( Settlement of Judgment ) that was sent to XXXX XXXX Court and all credit reporting agencies. 
I just applied for a refinancing of my home and this same Public Record showed in their credit check on me. So I am being REFUSED a new refinanced loan on my home!! I have a very short window to be able to lock into this great rate new home loan, and this is Civil Judgment is the only one thing stopping me from closing on the loan! 
I ALSO just applied for a new job and this showed up in their employment background investigation with TransUnion. 
I am trying so hard to clean up all my old debt from the recession time, and it 's Credit Reporting agencies that should be trying to help me by doing THEIR jobs and being on top of these things. I 've tried on my own to clear up these Credit Reporting Agencies mistakes, and they do n't seem to 'have the time ' to listen or even CARE to help me. I just get switched from person to person around and around ... ..to no end. I SHOULDN '' T have to hire a lawyer to have my Credit Report cleaned up. I found this link to CFPB and thought that maybe NOW there is someone out there that will listen and help us consumers with these large Credit Reporting Agencies, that do n't seem to care they are REALLY doing more damage to us consumers than any good!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (NJ)

After sending 2 complaints regarding BB & T/Truist account handling through the FDIC, regarding the improper financial management of my checking account along with the request of the return of overdraft fees and money 's owed due to fraudulent activity ; BB & T/Truist decided to retaliate against me again on XX/XX/2021 when finally crediting the {$0.00} and excessive fees ; by recalibrating my account debits/credits and assessing another {$36.00} overdraft hen the bank should have credited and refunded my account in time. I am asking for the retaliatory overdraft fee to be credited back to my account accordingly. Please see the attached picture documenting the financial institution 's retaliation.
Consumer complaint received 2015-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The credit bureaus XXXX, XXXX and Transunion are missing some or all of my XXXX credit card accounts and payment histories. They are also missing car loan and mortgage histories. They 've claimed these accounts are not reporting to them or that they are up to date which they are not. It 's not possible that these XXXX Visa 's, Discover, and American Express accounts do n't report to some or all of the XXXX credit bureaus. In fact I 've confirmed that most report to all XXXX. Apparently when credit history is missing they do n't consider that an error like I do. This has damaged my credit. Where my credit should be excellent, according to them it does n't exist or I have no payment history. I will try to include these supporting documents : 1. Credit cards and ID 's pictures sent to all XXXX bureaus, 2. XXXX XXXX XXXX XXXX mortgage is paid in full but does n't appear on any credit report, 3. Utility bill showing current address, 4. XXXX, XXXX, and Transunion Credit Reports, Dispute Forms and Dispute Results, 4. XXXX previous letters from credit card companies stating that they are reporting to all XXXX bureaus which I sent to them and they ignored.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I disputed inaccurate information being reported on my Transunion Credit Report. The investigation came back as verified. The credit bureau recommended I take it up with the creditor. I sent a letter for Verification of Debt to Applied Bank at the address listed on my credit report. The address listed for Applied Bank on the Transunion Report was : XXXX XXXX, XXXX XXXX, FL XXXX. I sent a Certified Letter, Return Receipt Requested to Applied Bank and the Post Office replied back with " Undeliverable ''. According to the FCRA, if there is inaccurate information on my report and unverifiable, the item must be deleted from my report. I submitted the information to Transunion by certified mail and they opened a new dispute. When I called them, I explained that if the information on my consumer report is inaccurate, it must be removed. They declined and insisted the Creditor has the right to " correct their error '' and update the information. I believe my rights under the FCRA and FDCPA have been violated causing me embarrassment, lost credit opportunities due to both Applied Banks inaccurate information on my right and Transunion 's reluctance to follow the law. I would like this investigated and enforced. I am filing a law suit against Transunion and Applied Bank for Violations of the FCRA and FDCPA. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (GA)

On ( XX/XX/2021 ) i notified the credit reporting agency of the issue. Under section 15 US Code 1681a ( c ) i am identified as a consumer and i have the right to privacy under as a consumer under 15 US Code 1681 ( a ) ( 4 ). My rights have been violated under 15 US Code 1681 ( b ) Permissible purposes of consumer reports which i never gave any consent to report anything on my consumer report. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove promptly. I feel like I'm being taken advantage of and being ignored of my disputes. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person. My rights have been violated and I would like to have this matter corrected immediately.
Consumer complaint received 2021-12-28
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: SYNCHRONY FINANCIAL (MD)

I have filed a dispute in regards to inaccurate items on my credit report. It has been well over 30 days and I have not received any results with investigation.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2021-12-28
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. (GA)

XXXX XXXX XXXX XXXX XXXX is reporting a Inaccurate account on my credit report, The account is not mines and XXXX XXXX XXXX XXXX XXXX has failed to verify the Accuracy of the account in question, I have no sign contract with XXXX XXXX XXXX XXXX XXXX They are Illegally putting things on my credit report
Consumer complaint received 2016-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is in reference to TransUnion , LLC continuing to report an account from XXXX XXXX XXXX on my report that includes inaccurate information, specifically the date the account was opened and the original amount owed. I disputed this information and currently have submitted a re-investigation. The original creditor was XXXX XXXX XXXX , XXXX and the debt was incurred in 2011 for {$510.00}. This inaccurate information is causing adverse actions in terms of credit and employment.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've just reviewed my credit score and noticed a significant decrease. After reviewing my report on XXXX, I 've had about 12 hard inquiries removed and then reinserted. This is against the law as I received no written notification of changes. I spoke with a rep from transunion by the name of XXXX and she states she 's unable to delete it because it 's a glitch on credit karma. I 'm assuming this same glitch has affected the other credit bureaus because my score has decreased between XXXX points in about a month. I do n't care who 's at fault, I just want all inquiries removed because it violates my rights as a consumer.