davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 ( original creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ), Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX 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 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 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IA)

XXXX- credit card payment agreement ended without our knowledge at comenity ideal. 
I had {$1900.00} left on my agreement and then was charge and extra of {$1800.00} making the totally be {$3700.00}. 

-never received a letter, a phone call, or anything in regards to this happening soon. Statements would not load or appear on mobile safari search as well. 

XX/XX/2020 ( XXXX XXXX ) - I noticed the issue and was unable to contact anyone due to the holiday. I tried making the payment of {$1900.00} to assure the 3 day grace period, which I was told was allowed prior to this. The process was successful according to their website, but I never receive a confirmation email. 

XX/XX/2020 ( Monday after the holiday weekend ) I tried again to make the payment and the same thing happened. The website said it was successful, but no confirmation. I called the company and got no where in 3 hour phone called and talking to 7 different people. To start, my name on the credit card account was incorrectly put in wrong on their end making it impossible to verify my account to them. Also, the phone number was totally incorrect on their end as well. One person said they could give me a {$50.00} credit, but that was it. They transferred me to someone else and they said their was nothing I can do and that I would have to pay the whole thing. I admit I should have been on top of my account, but also dont think I should have all that extra interest rate if we tried to contact them within the three day grace period that they offer. I was never late on a payment and I think its ridiculous that they wont credit some of the charge if not all of it. 

On XX/XX/2020, I posted a payment again and this time I receive a confirmation email but the payment never came out of my account.
Consumer complaint received 2020-12-31
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. (DC)

I have filed a dispute inregards to the incorrect items on my credit report. Thirtys days have passed well over one week ago ; and as of today I have yet to receive any feedback on my investigation results to date.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It seems FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Certain listed accounts appear to be inaccurate in their reporting.
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Hi, I am shopping for refinance for one of my houses on XX/XX/2021. I have 2 mortgage with Wells Fargo Bank so I thought to check if refinance would save me money on monthly payments. 
I was talking to Mr XXXX XXXX ( NMLSR ID XXXX ). He pulled a hard credit check without my consent and without me providing my SSN on phone or the application. I assume Wells Fargo would have my SSN but they should legally ask for me for my consent since I wasn't committed for loan I just wanted to enquire about the rates. 

Initially it appeared to me that they are doing soft credit check without SSN but they went ahead and did a hard enquiry what mysterious to me is that at no point I provided my SSN This is significant breach of common assumed protocol and its predatory lending to lure people to get business and this should be investigated. 

When I countered the agent he said he has no idea how it would happen and blamed me for it for my residential status. Since all the calls are recorded this conversation should be investigated. Big banks are too powerful and they think they can get away with whatever they want. The information of the agent I was talking to is below. 



-- -- -- cut -- -- -- -- -- XXXX XXXX XXXX XXXX Consultant NMLSR ID XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Ext : XXXX Fax ( XXXX ) XXXX XXXX -- -- -- end -- -- --
Consumer complaint received 2021-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Hello, I have contacted Portfolio Recovery Associates located at XXXX XXXX XXXX. 
XXXX, VA XXXX via certified mail on several occasions requesting that they validate a debit currently being attributed to me. I have requested the following : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Agreement between your company and the original creditor that authorizes you to collect on this debt However, they have failed to provide me with any of the above with the expectation of printed statements which does not confirm that the account belongs to me.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to follow up on my previous dispute regarding a negative item that continues to appear on my credit report. Despite my explicit statement that this item is unverified and incorrect, it persists on my report, which is deeply concerning.
Consumer complaint received 2021-01-06
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. (CO)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Consumer complaint received 2024-02-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC (TX)

I have been attempting to obtain a partial claim or deferred solution for my past due mortgage payments to the lender, since XXXX of XXXX. I was forced to retire from work early and unexpectedly due to health reasons. At that time, and currently ; I am on XXXX XXXX  and social security XXXX. I explained to the mortgage company that I was having an issue with obtaining my scheduled XXXX payments. I was looking for a resolution to eliminate my past due mortgage payments and continue with the current payments. I did have a previous loan modification due to my loss of employment. At that time it was not known that I would not be able to regain employment. I did pay that trial period amount and modification as agreed. My intentions was to attempt to work with the lender on remaining current with the previous loan modification. I forwarded the requested documents for a new loan modification and was told all documents were received. The lender 's response at that time was it would be forwarded to the underwriting team, but to allow them up to XXXX work days for a response. After that time period expired and I didn't receive a response, I initiated communication with the lender on what their intentions were. Their response was since I had a previous modification that I was not eligible for another one. I was not notified of any type of made decision before I reached out. We were able to agree on once again submitting for another loan solution. The payment amount for a trial period was not doable and I explained that now that all this time had passed, my payments are getting further and further behind. The bottom line in this whole modification attempt was from day one, for me to be able to continue the current monthly payments, and hopefully defer the past due amounts. I then got HUD and VA involved and all I am hearing from the lender is we really don't have a lot of options to work with. Currently as of XX/XX/XXXX and once again only because I initiated communication, I was told that I was approved for a trial period that was due XX/XX/XXXX. Not only was I, once again, not notified of any decision, the requested monthly amount is higher than the last one. The lender representative stated that forms and paperwork would be forwarded to me for approval or disagreement, via email or overnight mail. I still have not received any communication. The new decided amount is not doable either, and I am not understanding why a better and/or a more sensible solution has not been offered. I am making all attempts to remain in my home. I do not want to become homeless simply because of my unforeseen health issue, put me in a financial strain, and my attempts to remain in my home not solvable, especially since I initiated and notified the lender of my situation immediately as it began to occur
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I have contacted Experian by phone & letter regarding a XXXX XXXX  account that is reporting inaccurate on my credit report but have received no response.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Social Finance, Inc. (WA)

My complaint centers on a " decline '' credit decision by SoFi Lending/Mortgage without notification on the reason for their adverse credit decision. It is my understanding as a banking professional with 12 years of consumer and commercial lending experience that by law ( such as Reg. B, Fair Credit Reporting Act and HMDA ) a federally insured lender must inform an applicant on a credit decision within 30 days of receipt of a complete package and in cases where the credit decision is adverse ( such as a decline ), they must inform on the reason. Thus far no reason has been provided after initially receiving an " approval. '' My emails, voicemail messages and other forms of communication have been ignored. Based on my professional experience and on the fact that I have been approved for the same mortgage request with a different ( local ) lender, some form of bias or other type of discrimination has taken place. I would welcome the opportunity to discuss further. It is my fear that SoFi Mortgage is not abiding by federal regulations.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AL)

Today I received a Collection notice from credit card collection service. Located XXXX XXXX XXXX XXXX ma .... CCS USA Established in XXXX phone number is XXXX XXXX XXXX ... the letter was send out on XX/XX/XXXX ... PIN number XXXX ... XXXX XX/XX/XXXX ... XXXX Ok I'm a XXXX year old female that never had anything on credit or anything thing in my name ... How they sending me this collection letter to me ... I don't know what they said I owe or for what.. this letter is not telling me what I owe on anything.. So please have Credit Collection to Verify this debt.. According to the fair that collections act they need to verify this debt. According to my recollection I don't owe no one anything. This people are attempting to put this on my credit report. Which is causing damage to me and stopping my opportunity. This is a violation Of the fair debt Collections it I want to file a complaint for damages. Please help me get Remedy. Thanks XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (NY)

Heritage Financial Credit union zeroed out my credit card without notice to the consumer.

Heritage Financial Credit then sent my information to a 3rd party service provider without given the consumer the chance to opt out or explain what was going on. 

I began getting phone call back-to-back every other day from Elan financial services saying that I owe them money for credit card. I never herd of Elan financial services in addition I do not have a contract with them. I have spoken with Elan financial over the phone and asked them to send my personal information back to Heritage financial credit union. I have no idea whets going on and since my personal information has been shared with this company. I have been harassed by them day and night. I never had issues with Heritage Financial credit union, I made my payments on time and was never late over 30 days. I would like to file a lawsuit against Elan financial, they have caused me to have emotional stress and can't sleep at night and now they have reported incorrect information on my credit profile. Heritage has not provided me a chance to opt out- Elan financial services has violated my rights under the FCRA . Violations are several from this company and Heritage financial credit union. Gave no time for consumer to gather all information to make a decision.
Consumer complaint received 2023-06-06
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery is attempting to collect a debt that was settle and paid to True accord in the amount of XXXX paid XX/XX/year>. Portfolio Recovery is stating that the debt was not paid and is asking now for XXXX for the same company XXXX XXXX XXXX XXXX. I asked for validation of debt and to date I have not received an answer.
Consumer complaint received 2023-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (NC)

I recently received alert through XXXX that my score dropped due to a medical data bill that Im unaware. I disputed a bill with XXXX XXXX months back because I received charges from a medical source in which we can not verify because the debtor has XXXX different names theyve reimbursed my money for that & reported it to fraud. Now weeks later I receive a derogatory account on my file for medical data system a different name.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (LA)

We have over 90 unauthorized chargers on our USDirect Express Social Security debit card statement for a total amount of what appears to be {$730.00} dollars with 59 chargers in XXXX over a 9 day period & 37 chargers in XXXX over 2 days. All of the chargers were made to 9 XXXX accounts. USDirect Express Operator we spoke to says they can not issue any credit for these chargers. Direct Express says that we would have to get XXXX to reverse these chargers. We did fill an unauthorized charge claim with XXXX on there web site, but it was denied. & we have not been able to speak with a live person At this point we are filing a police report to send a copy to US Direct Express to see if this will help keep our claim open. When you have the opportunity to look at the chargers on the Direct Express statement the first thing you will notice is the pattern of dates, times & sites that were chartered. Please let us know what else we can do to recover this money. This is a bad situation for my family as we or on a fixed income but is also for other people. After an internet search trying to find information on the XXXX suites that had ran unauthorized chargers on our card it appears that many people are having the same issue with chargers & XXXX and getting their money back. 
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Consumer complaint received 2021-01-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

I received my latest statement from Navient ; XXXX XXXX XXXX, XXXX, PA XXXX on XXXX XXXX, 2020. They said they had not received my payment for XXXX, due XX/XX/2020. However, I photograph my check, the statement and the properly stamped, addressed envelop. I mailed it on XX/XX/2020. This has been an on-going battle with Navient. It could be the USPS also. This is why I photograph everything. I refuse to pay late fees due to the malfeasance of the USPS or the chicanery of Navient. They have not made any concessions during the Trump Pandemic and XXXX XXXX election rigging. Navient is preying on it's consumers and not crediting my account. I have paid every payment on-time. I have made over-payments every time. Please investigate this matter. I sent my payment on time!
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VT)

Macy 's closed my account ending in XXXX and transfered the balance to a new account ending in XXXX. They increased my account from XXXX to XXXX, XXXX with out my approval. 
I want my original account to be open.
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

We made changes to our homeowner 's insurance and need to adjust the monthy escrow payment with Specialized Loan Servicing. I just need to talk to a person. The number for customer care is XXXX. It took my husband and I three afternoons, ridiculous telephone loops, 30 minute wait time and by the time we might have fund the right department they hang up on you! This happened three times in three days. All I want is to talk to them about adjusting my escrow balance. I just only want them to call me.