davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX ; XXXX and Transunion are reporting incorrectly collections/Charge-offs on the US DEPT ED account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These collections were paid in full when my tax refund was garnished! This incorrect reporting of a collection/charge-off on the student loans is seriously harming my credit score. There is no outstanding balance due and therefore these accounts should not be reporting. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.
Consumer complaint received 2019-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

On XX/XX/19 we opened our account at Santander bank at the branch located at XXXX XXXX XXXX, XXXX PA XXXX. XXXX XXXX opened the bank. We had a promotion that if we opened the account with {$25.00} and had {$2000.00} Direct Deposits in 90 days we would get {$400.00}. Today XX/XX/19 I called Santander Customer serivice to verify that I met the requirements and I would be getting my {$400.00}. I spoke to 4 customer services representatives and the code was not in the system where is should be. I believe it was deliberate retaliation by XXXX and XXXX because we did open any additional as they accused us just trying to take advantage of the promo. No customer should be subject to this kind of harassment and abuse the account should have been coded correctly. XXXX the customer service manager in XXXX XXXX thinks all is well for customers to spend an hour and half to ensure that things are done correctly. XXXX refused give me her supervisors name and XXXX is refusing to entertain my questions because she thinks it is acceptable that customers need to spend a hour and 22 minutes to get a resolutions and that is how some customers are treated. Please advised the bank did not even give a plastic case for my check registered. She has made no offer to compensate me for the poor customer service and thinks I should be happy that I am getting the promotion. She is also refusing to provide proof that the account was opened correctly or explanation why 4 customer people could not confirm the promo was applied.
Consumer complaint received 2023-01-27
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: Yamaha Motor Finance Corporation USA (TX)

In XXXX I purchased a 4 wheeler from that was financed with XXXX XXXX. In XXXX we were told of an extra charge on the account ( balloon payment ) which was not reflected on the contract I signed. Verbally with XXXX XXXX I challenged this, sent them a copy of my contract and disputed the additional fee. I was directed not to make a payment until this was settled. After arguing this with XXXX XXXX, I was essentially told that I would be held to the balloon payment and I needed to pay the account in full. on XX/XX/XXXX I made the final payment, against my belief that it was a fraudulent charge of {$2200.00}. In XXXX I went to apply for a mortgage and noticed that XXXX XXXX had " charged off '' this account. I disputed it and they changed it to " paid in settlement {$2200.00} written off ''. I disputed this again as it is incorrect. They changed the status to " legally paid in full for less than the full balance ''. I disputed this again because Not only does this balance not reflect in my signed contract, but I actually went ahead and PAID it. I disputed this again and they changed it once again to " paid in settlement {$2200.00} written off ''. This is incorrect so I disputed it 1 more time by calling XXXX directly and having a phone conversation. I just received the dispute results and it was not changed. It still reads " paid in settlement {$2200.00} written off ''. 
I was not contracted to pay a balloon payment and after battling a company to prove myself, they went silent and said I owe the balance of {$2200.00} in full. I paid them in full and it still reflects that I did not and has a negative impact on my credit score and life.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted the XXXX, TransUnion, XXXX, and XXXX XXXX XXXX. 
Nothing has been done or verified. Per the terms of XXXX XXXX discharge if your college violated state laws and have used illegal or deceptive tactics to convince students to take out loans and attend. You wont have to pay back your student loans. The FTCs complaint charged that XXXX misled consumers in violation of the FTC Act by claiming that 90 percent of graduates actively seeking employment landed jobs in their field within six months of graduation. Advertisements making these claims appeared on television and radio, as well as online and in print and other media. 

The complaint further alleges that XXXX misled students by claiming that graduates with bachelors degrees, on average, had 15 percent higher incomes one year after graduation than the graduates with bachelors degrees from all other colleges or universities. 

The proposed federal court order requires XXXX to notify the students who will receive debt relief, and to inform the credit bureaus and collection agencies of the debt forgiveness. All loan and debt forgiveness will occur automatically. XXXX will also release transcripts and diplomas previously withheld from students because of outstanding debt and will cooperate with future requests for diplomas and transcripts and related enrollment or graduation information. 

The settlement also includes provisions designed to prevent XXXX from misleading consumers in the future. Among other things, it prohibits XXXX from misrepresenting the likelihood that graduates will get a job as a result of their degree. It specifically prohibits XXXX from including jobs students obtained more than six months before graduating whenever XXXX advertises its graduates success in finding jobs near graduation. The settlement also prohibits XXXX from misrepresenting the compensation or compensation ranges that students or graduates have received or can be expected to receive. XXXX University Agrees to {$100.00} XXXX XXXX with FTC. 

IT IS THE JOB OF CREDIT REPORTING AGENCY According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2019-04-01
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. (MD)

Trans union, XXXX, & XXXX have not removed unverified derogatory items from my report. In so doing, they have violated Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (GA)

I have encountered persistent issues with XXXX XXXX 's reporting practices, specifically regarding a paid charge-off that has been erroneously re-reported on my credit each month. 

Despite the credit bureaus having deleted this entry, XXXX XXXX continues to inaccurately report it, resulting in ongoing negative impacts on my credit score. 

Despite my repeated attempts to rectify this matter with both XXXX XXXX and the credit bureaus, they have been unwilling to investigate or correct the error. 

This continuous reporting of a paid charge-off is not only misleading but also damaging to my financial reputation.
Consumer complaint received 2019-04-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MI)

I was in a tight situation financially, and needed a little money to pay one of my other monthly obligations due to being laid off for a time with no unemployment insurance. My credit score had dipped for a while so I had to go to a " poor credit score '' lender. I was able to borrow {$900.00} which got me through a hard week and kept everything financially afloat. 
I have been making bi-weekly payments for several months without missing any, and so I called the company for a payoff when it looked like I might be able to get this off my back and out of my budget. I had made 10 payments of {$130.00} at the time of the inquiry to their service dept., and figured that like other lender payoffs, the payoff amount would be less than a multiple of the amortized payments left. No such luck! They told me at the end of XXXX that the payoff was @ {$980.00}!! I have already paid {$1700.00} to date ; as of XX/XX/XXXX, and the payoff is still only the amount of the original principal! 
When I reviewed the original disclosure of terms before signing, I knew that because of my lower credit score, that I would not have favorable or low interest. I saw a " 1.09 % '' daily interest rate, and was not thinking that I would carry this loan more than a month or two. So, yes I'm stuck in this loan, paying $ XXXX or so and this lender is offering no early breaks. This is clearly a predatory lender ; circumventing US financial laws by virtue of being a federally recognized XXXX tribe! 
Upon closer scrutiny of the fine print in my contract, the loan agreement is governed by the XXXX XXXX XXXX XXXX of XXXX XXXX! They claim " Tribal Sovereign Immunity '' from suit and have a " Tribal Dispute Resolution Procedure '', which I technically could employ if I wanted to. I just wanted you to know that while I signed a contract which binds me, it still doesn't nullify the abusive and predatory nature of these loans which are extortionary by design and put people like myself, who have decades of good credit practices into an oppressive situation when hard economic conditions come upon us. Thank-you very much for hearing me out! Perhaps legislation can be introduced in the future which limits lenders of any kind from abusive practices.
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NJ)

In XX/XX/XXXX, I was given a letter from Caliber Home Loans regarding my escrow account that showed that I had a shortage amount of {$19000.00}. After an exhausting process of trying to contact someone at Caliber who knew how to assist, I was told that Caliber " accidentally '' paid the property taxes of 3 other properties that had nothing to do with me. I was told that some parcel numbers got mixed up and the only thing I could do was wait for Caliber to contact each of the Townships while they requested a refund for the error. 
In XX/XX/XXXX, my escrow account had a positive balance.of {$3600.00} and then in XX/XX/XXXX, my escrow account balance magically changed to - {$6100.00}. There is no details on any statements on what happened between XX/XX/XXXX and XX/XX/XXXX, but Caliber somehow lost approximately {$9000.00} and have had my escrow account starting at a negative from XX/XX/XXXX and through XX/XX/XXXX. 
Today, XX/XX/XXXX, as of XXXX ET, I am being told that in XX/XX/XXXX a check was sent out that was just over $ 6k and that is why my account is short. I have never received a check from Caliber, nor was anything communicated regarding this. 

I am demanding that someone contact me immediately to get this resolved ASAP. This is two years in a row now that Caliber has messed up my escrow account and this is getting ridiculous.
Consumer complaint received 2019-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (GA)

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See attached documents below, which indicates from a recent dispute and data breach which my information was banking information was all compromised. XXXX has deleted XXXX XXXX from my credit file/credit report as per their investigation. I am requesting for Transunion and XXXX to also delete this fraud account from my credit file as well. I will keep disputing this account as many times needed. As XXXX XXXX is trying to collect moneys not owed and also this account was opened fraudulent which they are already aware. Transunion and XXXX are not complying and slow to respond. As XXXX has already resolved the issue and deleted this file.
Consumer complaint received 2019-09-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2019 Letters written on XX/XX/2019 from Bank of America state : " We've completed our investigation of your above referenced claim and based on our findings, we're unable to honor the claim because the transfer was made to an account that you own and the funds were made available to you for personal use, used to pay an obligation owed by you, or both. As a result, we're respectfully denying your claim. '' Transfer was made by a thief, and not available for our personal use ; because we were not aware that the unauthorized transfer was allowed by the bank until after-the-fact, when we received a bank alert on XX/XX/2019 that our account had been accessed by an unknown device. By that time, it was too late, our money had already been stolen, and was unavailable for our personal use. Since the money was stolen in person at the XXXX XXXX, VA branch by someone impersonating my wife, the money was not used to pay an obligation owed by us. 

We were told by a bank employee at our branch that to do this, the thief had to present two forms of identification ; which was most likely a driver 's license, and my wife 's bank debit card. The bank 's own records of her checking account show that on XX/XX/XXXX, her legitimate debit card was used to make a purchase of {$25.00} at the local XXXX 's store in XXXX XXXX, Fl, and could not have been used on the same date in Virginia. 

The bank 's records also show that for the savings account, her debit card was used to withdraw {$400.00} from the Bank of America ATM # XXXX in XXXX XXXX Fl, and could not have been used on the same date in Virginia. I ask the bank to examine the camera footage from this XXXX XXXX ATM, and compare it with the camera footage from the XXXX XXXX branch to clearly see that not only were these not the same people involved, but also that it is physically impossible to be at two distant locations at the same time. My wife 's employer has provided us with records which prove that she was at work in XXXX Florida on both XX/XX/XXXX, and XXXX and could not have been in Virginia to personally withdraw funds from the Virginia branch. 

Based on the incontrovertible evidence which I have provided, I ask that the bank reverse it's determination derived from its ' flawed superficial investigation. My elderly in-laws life savings were taken as part of this fraud, and they can not sustain such a devastating loss. My family can not just excuse a theft of {$17000.00} and I will continue to pursue this matter until the time that all of our federally insured funds have been properly returned.
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

United Wholesale Mortgage paid {$3200.00} for my XXXX property tax on XX/XX/XXXX, which including {$100.00} interest and {$5.00} penalty because of late payment. I've sent a secure message to UWM to request a refund, but they just replied " According to our records, their is no refund at this time. '' I've also made a phone call and they said it the title company 's responsibility to advise them to make a payment. United Wholesale Mortgage start servicing my loan on XX/XX/XXXX and the property tax due date is XX/XX/XXXX, so they should have enough time to make the payment on time.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (OR)

Contacted American Express at XXXX. 

Reprenestive stated that the card was no longer valid and the funds have been turned over to the state and were told to check there was nothing they can do. 

Here 's the deal, it is a gift card where did they send the funds since there is no information given as to the address when purchased? 

I checked my state, nothing, and no way to check a gift card for unclaimed funds if there is no name or address. 

There is nothing on the card itself that explains that you have to use the card right away or that they will discharge the funds even though the card has an expiration date of XX/XX/24. 

THIS IS A SCAM.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX I applied for a Delta Gold American Express via a mailer offer. The flyer stated {$0.00} introductory annual fee for the first year, then {$95.00}. I applied as directed and was approved. On my first statement an annual fee was charged to my account. I initiated contact with American Express on XX/XX/XXXX thru the online chat feature asking why I was charged. The costumer service agent requested an investigation. I did not hear back and contacted American Express again on XX/XX/XXXX and was told it was still being investigated. I contacted American Express once again on XX/XX/XXXX and was told that the issue was reviewed and that American Express was unable to find an offer stating this and that I was ineligible for the waived first year fee.