davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
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. (NE)

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 U.S.C 1681 XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX  - account # XXXX XXXX XXXX  XXXX - account # XXXX XXXX XXXX XXXX XXXX account # XXXX 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 a account with out my written instructions
Consumer complaint received 2022-04-21
Product: Credit card or prepaid 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: Blackhawk Network Holdings Inc. (PA)

Used XXXX  card to purchase an e-gift card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc ). XXXX XXXX XXXX uses the company XXXX ( Blackhawk ), a third party vendor to process/send e-gift cards, apparently for multiple US companies XXXX Despite valid recipient email address, no e-gift card was sent or processed, but XXXX charged.
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (VA)

In accordance with the fair credit reporting act convergent outsourcing account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Chapter & Bankruptcy Reference # XXXX have 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.
Consumer complaint received 2022-04-21
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. (FL)

I have unauthorized Hard Inquiries on my Experian credit report that I do not recognize by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2022-04-21
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. (FL)

I provided documentation to Transunion about XXXX XXXX XXXX about an account to be removed from my credit report. Transunion agreed to have this account removed then added it back to my credit report claiming that the account was verified. Even if that was true, someone used my name and info to get an apartment in my name so I am asking Transunion once again to remove this account permanently from my report. I am asking that you correspond with TRANSUNION to resolve this matter because it has been well over 30 days, it has been months that XXXX hasnt responded to this investigation. I originally submitted a complaint dated back to XX/XX/2021 and this account wasn't addressed until the early part of this year. As you can see that XXXX complaint was filed awhile ago. Transunion is the only reporting agency that is reporting this erronious account on my credit report. The statute for the 30 day investigation is far beyond 30 days. Please remove immediately!
Consumer complaint received 2016-05-10
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Holdings LLC (TX)

I applied for a reverse mortgage and everthing was going fine until my appraisal came in lower than expected. Immediately my income became a issue and I was asked if I received any other income other than XXXX. I was then told that my income did not transfer over correctly and that my Student loans and car payment was to much to pay my taxes and insurance. I submitted the correct figures but was still denied because of income. My denial stated that I withdrew and when questioned, I was told that is the procedure when loan do n't qualify.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY (FL)

I purchased a phone last month on XX/XX/2022 from a company called XXXX XXXXXXXX XXXX. Contacted my bank which TD BANK because I was having an issue and they were well aware because I was speaking on the phone that exact same day. Filed a dispute provided proof of purchase and now they are refusing to give my money back as well as the merchant. Stated to work it out with the merchant. The issue for wanting my refund because The next day my phone wasn't working properly or showing up that I have an account which the issue is still happening. and they refused to give me my {$75.00} back when clearly on the receipt it says you have 7 days to return the device for a refund and I returned it 1 day later. Now I have took a loss on my {$75.00} and I will continue to file complaints until my money is returned.
Consumer complaint received 2024-05-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TOTAL MORTGAGE SERVICES LLC (CT)

I successfully completed a loss mitigation with Total Mortgage my payment was increased from XXXX to XXXX after the increase in taxes down to XXXX. I was to skip month XXXX and XXXX and rsum payments to Total Mortgage. On XX/XX/XXXX I was switched to XXXX XXXX  and they then started billing me the XXXX, but I continued to pay the XXXX until XXXX when I was making every efforts to let them know of the error!
Consumer complaint received 2022-04-21
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. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (FL)

Upon checking my creidt report on XX/XX/XXXX I realized an adverse action, with forethought and malice, was furnished to my report, regarding my account ( XXXX ) with Self XXXX. The report shows late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and for XX/XX/XXXX. This decision has negatively affected my federally protected right to extend credit and violates my right to an equitable consumer report. I am also aware that I was supposed to receive a negative information notice in writing no later than 30 days after furnishing these alleged late payments to my consumer report. I have never received such notice. Pursuant 15 U.S. Code 1666b I would like for an executive member of your company to put on a sworn statement of facts that your company sent me, and I did in fact receive such notice with verification of such ( i.e. notice sent, tracking number, dated certified mail with my wet signature ). Without this, there is no proof that reasonable procedures have been followed prior to furnishing this alleged late payment to my consumer report. Please be advised that in regard to these alleged late payments, I am aware that pursuant 15 U.S. Code 1681a ( d ) ( 2 ) a consumer report shall not include information solely as to transactions or experiences between the consumer and the person making the report. Thanks
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Upgrade, Inc. (SC)

Upgrade ( alternative credit platform ) offered me a {$400.00} bonus on my Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions. 
Earn a {$400.00} bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions within 60 days. To qualify for the {$400.00} welcome bonus, you must open and fund a new Upgrade Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive bonus.

I met all the requirements for the bonus. I opened the Rewards Checking account and completed the third debit transaction on my Rewards Checking account, on XX/XX/2022.

In according to terms and conditions, the bonus credit needed to be posted to my Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on my Rewards Checking account. The second billing period of my reward checking account ended on XX/XX/22. The second billing period of my Upgrade Card ended on XX/XX/22. Yet, I didnt receive the {$400.00} bonus credit.

I contacted the company but couldnt resolve this issue.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (FL)

On or about XX/XX/2021 I lost my Fortiva Credit Card while at XXXX, I contacted the Credit Card Company and informed them of the loss at which point they asked if I had made a recent charge in the amount of {$770.00} at which point I informed them that I had not. I submitted a fraud form and the Credit Card Company refused to remove the charge from my card after issuing me a new card and are now trying to force me to pay for the fraudulent charges.
Consumer complaint received 2015-06-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

My loan was transferred on XXXX XXXX 2015 from XXXX to us bank. 
On my last statement with caliber dated XXXX XXXX, 2015, my outstanding principal balance was {$540000.00}. That should be the amount outstanding when the loan transferred to us bank. 
but when it transferred on XXXX XXXX, it was {$540000.00}, which is {$1800.00} short, which is the additional principal payment that I made and that I am MISSING! 
and that {$1800.00} is not the same {$1800.00} applied as principal on XXXX XXXX, it is the {$1800.00} that I paid towards principal on XXXX XXXX TO XXXX XXXX XXXX prior to the loan transferring to US bank. i have all the proof and I will attach with this complaint. 
I already filed a complaint against XXXX, and this one goes to us bank, so they can track payment history and adjust my principal balance {$1800.00} that I am owed.
Consumer complaint received 2016-08-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (UT)

I have a checking account with US Bank that was fee-free if I kept {$5000.00} in a linked savings acct. In XX/XX/XXXX, they put a notification in the statement that if the savings amount was not raised to {$10000.00}, they would institute a $ XXXX monthly fee. I never saw this fine print. They never sent me an email and never confirmed that I received and agreed to this new fee. When I next looked at my statement, I had been charged {$15.00} a month for 6 months ( {$90.00} ). When I complained, they refunded {$45.00} but refused to refund the remaining {$45.00}, stating that I was lucky they even gave me {$45.00}, and they were only doing this as a " goodwill '' gesture. To surreptitiously add fees like this without positive opt-in from the customer or confirming that the customer was aware are typical underhanded methods of defrauding customers as long as it is technically legal. The whole reason I opened this account was to have a place to keep money for a non-profit corporation where there would not be much activity. Customers can not be expected to read all the fine print in every statement to avoid getting stuck with surreptitious fees. Their response was typically arrogant and condescending. I think US Bank should be held to account for their behavior. The law should be changed so that they have to have proof that the customer is aware before they can implement charges by fiat.
Consumer complaint received 2022-04-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

In XXXX I went on a forbearance program offered by the current bank US Bank in Texas. In XXXX, I was ready to come off forbearance unto a COVID-19 Veterans Assistance Partial Claim program they offered. I was approved and was to send the signed paperwork back but there was trouble getting the documents back, So i had requested another packet. Because the packet was late, the claim went stale and they won't approve me for the plan they promised over simple paperwork. I am in Florida and they are in Texas and not communicting with me. I am a XXXX veteran and a resident of this home for 8 years. I have a family and creatures and ready to make payments on the plan they offered. I have complied with all request they have sent me in the mail requesting documents, but i can not get ahold of anyone who has any idea whats going on. Please help me. Thank you.
Consumer complaint received 2022-04-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2019, Portfolio Recovery added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Consumer complaint received 2023-02-27
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. (MD)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2024-05-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (IL)

The company is reporting on my credit report stating that I owe them. I do not owe them anything nor have I ever contracted with such company. This is a violation of the FCRA. I also never gave anyone permission to purchase my debt from anyone. Please provide me with the contract that I have with your company stating that you can report on my behalf. I would also like to see how much was paid to XXXX XXXX XXXX to purchase this. Per 15 USC 1681 4A I have the right to privacy
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IA)

Previously disputed account with XXXX asking to verify or delete because I do not recall having this debt. Account reported only by XXXX and stated as Closed account payment status of collection charge off with a credit limit of {$250.00} and last payment done XX/XX/19. Reporting account purchase by another lender. I hav not received any document stating my signature making me responsible to this debt... ..*Credit report is currently reporting account with all three bureaus and stating account as closed while derogatory and collection by XXXX while Open, derogatory and collection by XXXX and XXXX all at the same time. There is no way that account can have a balance of {$470.00} if credit limit was showing as {$250.00} Currently account is reporting as account in collection with a pass due. There should not be payment history, pass due nor late payments reporting especially on a dead account. XXXX is reporting consecutive charge off on a closed and dead account.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (FL)

Greetings On XX/XX/XXXX I tried to pay a bill using my Robinhood debit card for the amount of {$750.00} $ this amount was not associated with any pending stock or any pending transaction this was on my settled funds the transaction got rejected, then my account became restricted, ive tried understanding why the same day but I had a very hard time the next day XX/XX/XXXX I tried to contact Robinhood again and they asked me to upload back in front of my Social Security number bank statement -pictures of my self holding my driver license. I did that on the spot XXXX over the phone told me that this would take four hours and my account will be unlocked again! Todays XX/XX/XXXX and my account is still restricted I have requested the supervisor for more than 26 times still getting ignored every single time I send an email asking for an update I dont receive any replies, Please help it is beyond hard to deal with Robin Hood
Consumer complaint received 2022-04-21
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. (PA)

Over 30 days ago I sent a late payment dispute to all three credit reporting agencies, and I have to get receive a response of the INVESTIGATED REPORT. My report was updated as accurate without providing to me any proof. I was never notified in orally, in writing, or electronically of such claims. There is no such thing as a late payment pursuant to the TILA under 15USC 1666b. I demand to know in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide details within 15 days is another violation of my consumer rights under the FCRA. If you could not provide such information DELETE this inaccurate unfair reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
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. (SC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX debt amount {$100.00} XXXX XXXX, XXXX debt amount {$930.00} XXXX XXXX XXXX  XXXX debt amount {$100.00} 15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish an account without written consent.
Consumer complaint received 2022-04-21
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. (SC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX debt amount {$100.00} XXXX XXXX XXXX debt amount {$930.00} XXXX XXXX XXXX XXXX debt amount {$100.00} 15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish an account without written consent.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PayActiv, Inc. (TX)

On XX/XX/XXXX I tried to transfer money out of my PayActiv account into a different account at XXXX XXXX  XXXX. 

There is no way for me to access the funds on my debit card, other than through an ATM or by using the debt card at a retailer. PayActiv will not allow me to transfer money into another account I own, eventhough their website says I can transfer my money to any account I own. 

I tried to contact Customer Service on XX/XX/XXXX, and they were unable to resolve my problem and asked I send a video of what the PayActiv account looks for me so they could escalate to their team. I did, and its been over 2 weeks and I havent heard back from them. 

They are blocking me from accessing my funds and havent given me any solution to my problem.
Consumer complaint received 2016-05-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (IN)

The property located at XXXX XXXX XXXX in XXXX, IN XXXX has been in foreclosure for well over 1 year. The property has not been maintained by anyone. Windows are broken, there are holes in the siding, the fence is falling down, there are multiple dead trees, and all the neighbors have to chip in to keep the yard mowed and the weeds at bay. The result has been a significant eye sore in neighborhood that has resulted in people leaving the neighborhood, and difficulty in attracting new home buyers. The HOA fees have not been paid in several years and this property has become a large burden on the neighborhood.