davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2019-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (PA)

There were 2 unauthorized charges that were taken from my TD Bank checking account ending in XXXX. On XX/XX/2018, there was a {$1000.00} debit from " XXXX XXXX XXXX   XXXX XXXX ''. On XX/XX/2018, there was a {$120.00} debit from " XXXX XXXX XXXX XXXX ''. I reported this fraudulent / unauthorized debit promptly to the branch manager who said he would take care of this and get it credited. I filed a dispute online a few times through the bank 's website. I went to the branch when told I had to and filled out paperwork. I was told then that both charges would be credited back to my account. However, the money has not been refunded. I have been in touch with TD Bank about this for well over a year now. Their latest strategy has been to simply ignore my emails. There was fraud on the account, and those amounts should be credited to me. If their own employees do not properly file the fraud or inform me of the procedures to follow, that should not be held against me.
Consumer complaint received 2023-03-10
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. (GA)

Hello, My name is XXXX XXXX and I recently got a denial letter from a Property Management company I applied with. After obtaining a copy of my credit report, I discovered some major issues that need to be addressed. 

I found one account and several inquiries that I'm not familiar with. 

I need EXPERIAN to fix this inaccurate and unverified information immediately. I have been denied numerous credit based oppurtunities due to this erroneous information. Two property management companies have declined my application for a place to reside. Please don't leave it this way, I need your help! I have explained to EXPERIAN numerous times this account is definitely NOT mine. The above account should not be reporting on my credit profile. 

This is a FCRA Violation and this account needs to be deleted immediately. I will be forced to seek Legal counsel if this matter is not resolved promptly. I thank you for your time.
Consumer complaint received 2020-11-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I made a transaction on Friday, XX/XX/XXXX, of {$170.00} through XXXX. The payment was for an XXXX XXXX XXXX on XXXX XXXX. I contacted the merchant, XXXX XXXX, that day. He listed the phone for {$180.00}, but he gave me {$20.00} off, so I paid {$160.00} and {$10.00} for shipping. I sent {$170.00} to his XXXX : XXXX XXXX. 

He told me he was going to ship it the next day, Saturday, XX/XX/XXXX. I tried to message him in the afternoon of that day to confirm if he shipped it, and I got a message from XXXX saying, the person can not receive messages right now. I tried to look up his XXXX account, but I could not find it. I do not know this merchant, and I have no way to contact him. 

I contacted XXXX Support on XX/XX/XXXX. They kept pushing me back and forth between multiple agents. and all agents did anything other than sending me canned responses that did not address my issue. I requested the fund from him twice through XXXX, and he declined it. 

I reached out to my bank ; Bank of America and filed a claim on XX/XX/XXXX. I provided proof of my transaction and other supporting documents for my claim. A temporary credit of {$170.00} was sent to my account while they researched my claim. I got a message from my bank on XX/XX/XXXX saying my claim has been closed, and they are unable to pay me because XXXX has successfully completed the transaction. The temporary credit will be deducted from my account on XX/XX/XXXX. 

The merchant is a SCAM. It has been 21 days since my transaction, and I have not received my item. It is unfair that my bank was not able to help me get my refund. Please, I am reaching out to you as a last resort. I do not know anyone else that can help me.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I have attempted to retrieve my credit score from Experian for the past 2 weeks to no avail. I have attempted to retrieve my score online and via phone. Finally, today ( XX/XX/2019 ) an agent was helping me. She asked me at least 8-10 identifying questions and said " ok '' as though she had what she needed to assist me ... and then hung up on me. I tried calling the company back and told the next representative that I would like to speak with a supervisor. He then asked " why? '' and I told him how I was trying to get my credit score and  continued with what happened with the previous rep. I asked to be connected with a supervisor twice, he then attempted to connect me only for me to get hung up on again. My issue with Experian is how can you represent America 's credit, yet have it mandatory for us to speak with everyone around the world. There isn't a direct way to gain sufficient support from the Experian and when you do get in touch with a human being, they're from XXXX XXXX or somewhere around the world. And then you advertise to watch out for the dark web, where individuals buy/sell your information. I have nothing against those hired, however, I do not understand your lack of concern when allowing Americans to share the pertinent information that makes them vulnerable. I do not appreciate a representative taking my information from another country and then hanging up on me without attempting to call or email me back to apologize for the disconnection. Due to that, I feel this was intentional.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2018, an unauthorized user changed the password on my USAA online banking account. I was notified by USAA and changed the password online. On XX/XX/XXXX, there were unauthorized charges on my debit card made online. USAA issued me a new debit card but then froze my account ( no online access, no use of debit card, no auto payments ) for three business days starting on XX/XX/2018. By Friday, XX/XX/XXXX, I still did not have access to my accounts. The representatives told me it was because they couldn't reach anyone in the fraud department. It has been over a week since my account was frozen and I do not have access. USAA failed to upheld their end of the agreement to conduct an investigation in three business days and then unlock my account. As of right now, I still do not have access to pay monthly bills such as my mortgage and my cell phone bill. Both are normally deducted via autopay and USAA has locked my account. This will negatively affect my credit score.
Consumer complaint received 2018-12-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Someone contacted my brother in law and said that they were looking for me to collect a debt. When I called the company back, they stated they were XXXX. I XXXX them online and could not find any information about them. I then XXXX their number ( XXXX ) XXXX and it came up that it was fraudulent. When I told the person on the phone what I had found, she hung up on me. I then called back and demanded to know why they were calling me. The women stated I was being sued. They asked for my social security number and when I wouldn't provide it, the women stated she could not provide me with any information if I would not provide it and hung up on me.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my XXXX account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.
Consumer complaint received 2024-02-08
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: Experian Information Solutions Inc. (GA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX  Balance : {$710.00}
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (NY)

The following is a list of the credit cards i had from Sychrony Bank. They were as follows : Care Credit Lowes Paypal Mastercard XXXX XXXX Walmart Amazon At the time that these accounts were opened there was an option given called CardSecurity. What this option provided was protection of the card in the event of loss of employment, hospitalization, or XXXX. In XX/XX/2017, I was hospitalized for 30 days and then another couple of weeks at a XXXX facility. After leaving the XXXX  facility i started making claims to invoke the CardSecurity from Sychrony Bank. Since the " event '' was covered I assumed that CardSecurity would keep up the payments and/or pay off the balance since I had fufilled the obligations for this service and the event was over 30 days. 
Card Security would request documentation to which I submitted the required documents. However, upon receipt they would tell me that the documentation I submitted was not sufficient and to submit other documents. After the third of fourth time of asking me to submit documentation, I realized that they had no intention of paying my monthly payements or paying off the balance of the cards even though the fees to keep that add on feature were paid. 

As of the date of this letter, they have done the following : They have claimed that some of the accounts never had that protection, that I called and cancelled the CreditSecurity ( Amazon and Lowes ) which I had never done. I was told that they are researching the call and will get back to me in 5 to 7 days. 
The benefit request numbers are for different accounts ( i.e. 12345 benefit number is for the wrong credit card ) Was told that while I have a benefit number xyz I never initiated the claim. 
Ultimately all of the above accounts through no fault of my own have been closed, and negative marks left on my credit report.
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Loan was transferred from XXXX XXXX to LoanCare , LLC effective XX/XX/19. This was all well-communicated in advance by XXXX. I had already received a monthly statement from XXXX XXXX. I was unable to pay XXXX since they were no longer servicing the loan. There were issues, however trying to understand my obligations and pay LoanCare in a timely manner. First and foremost, I NEVER RECEIVED A XXXX STATEMENT from LoanCare or their subsidiary. I eventually figured out that I needed to pay them for XXXX when I tried to set up auto-draft on XX/XX/19 ( the first day that this was possible per their system ) and it told me I could not do this until I was less than 4 days in arrears on payment. How can they tell me I am behind when I never received a statement from them??? I paid on XX/XX/19 by telephone and then called them on XX/XX/19 to ask for a XXXX statement. I wanted this as documentation that I was supposed to pay them and for proper record-keeping. Their customer service could not provide it. They said I am to use the XXXX XXXX statement as my documentation. I responded that this makes no sense since I am paying LoanCare - not XXXX. They apologized and said they had no way to send me a XXXX statement. I then asked for an email as documentation and was told I would need to speak to a supervisor. I got a supervisor who then acted like she could not hear me and she hung up. Again : How can they expect to be paid if they didn't send out statements? I paid mine, but how many other people will miss their deadline because they never got a statement? Also, I do not know the terms of the transfer between companies. How do I even know if I really was supposed to pay for XXXX? Of course, I paid just in case because I figured it out, but their entire process of expecting payment without sending a statement just is not right.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I have 20 inquiries that I didnt approve of and I didnt have any knowledge of inquiring about none of these. Would like to get them removed from my credit report please. 

XXXX XXXX XX/XX/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 2018-12-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I paid my mortgage to Rushmore Loan Management every month on time and then XXXX comes around and they said my check was returned. I sent them a copy of my bank statement showing them it did not get returned and then they went on to tell me its from a missed payment from previous company before my loan transferred to them.I think it's downright wrong to make my current payment ( XXXX ) returned due to something from previous company, which that was not even true. but yet and still I made a payment while they look over proof that I did not miss a payment with them either. So I made 2 payments. 1 for XXXX and one for XXXX. In XXXX I still had no answer so they again asked me for proof. I called previous mortgage company and they said there was no missed payments. So In XXXX I sent them over Every statement showing auto draft of mortgage payments from XX/XX/2018. NONE MISSED!! Now we are almost at XXXX and they have still not fixed my payment history nor taken off the fees they said will be removed once I proved my payment was not missed! They are still requesting me to make 2 payments to cover the payment I NEVER MISSED!
Consumer complaint received 2019-09-11
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. (UT)

XXXX XXXX is reporting a recent late in XX/XX/XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.
Consumer complaint received 2019-09-11
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (IL)

Hello, Navient collections department is disrespectful and obscene. I was contacted about a past due debt on XX/XX/19 and was advised that I was roughly one month past due in the about of {$130.00}. I advised that I would make a payment on Friday, but I would like for my grandmother 's number removed from the account due to her being elderly. I also was trying to explain at one point I was told that she would be removed as a co-signer. The representative did not want to listen to me so I requested to speak to a manager. It took 4 times for me to constantly state that I wanted to speak to be transferred to a Supervisor who was just as rude as the representative. Her ID is XXXX and located in Indiana site. She was trying to over talk me as I was trying to explain to her what I was told perviously about removing the phone number. She also belittled me and told me if I paid my bills on time they wouldn't have to contact her in the first place, isn't this a violation of UDAAP. I am currently recovering from XXXX so most of my funds are going toward my current situation. She also told me that there are guidelines that must be met before I can qualify for co-signed removal after degrading me and questioning me about my payment not being up to date. If I am only 1 month past due on my loan repayment and being treated this way, I can only imagine the obscene behavior they are displaying towards individuals that are more delinquent then me. I advised her that I would make payment on this upcoming Friday then she stopped attempting to belittle me, this is not customer service. I also requested that the pull calls from earlier this year when someone told me that the co-signer number would be removed. She advised that if I did not have an exact date they were not going to look through my account to find out when someone told me this after I requested this be done.
Consumer complaint received 2018-11-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I made an international wire transfer from my bank account with citi bank to XXXX. two days later I was informed that the funds was returned by the bank and that I will need to do buy back and then the funds will be returned to my account in three business days. Its been a month and two weeks since then I have not received my funds. I have called Citi bank and even went into my branch and repeatedly having to explain my self to every new person I talk! they give conflecting information. at one piont I was told my fund will be returned the following day after speaking to a bank manager, but that again was two weeks ago. I dont know what is going on or what they are doing with my funds.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (CT)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been a Victim that Transunion knows really well about and that the the INQUIRY ISSUE that they experienced a while back. I have tried to reason with Trans-Union Credit Bureau and eerytime they have refused to address this situation. I have simply asked them to clear my Hard Inquires and they have refused to do so.
Consumer complaint received 2018-12-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (MI)

I have a loan through a previous lender XXXX XXXX. They've sold the loan & didn't properly allocate all my payments to the loan NOW resulting in my vehicle being repossessed right before XXXX. I've contacted them via email to correct this but unable to resolve. I've contacted my banks to provide additional payment info. I've located two additional payments not provided on the ledger they've kindly sent you. I'd like my loan recalculated removing all inapplicable late fees. My vehicle returned & my loan paid in full. I am not happy with the results because I'VE TRIED TO RECONCILE WITH the CFPB & my new lender.