davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
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. (AZ)

I am writing to express my frustration and disappointment with the numerous unsuccessful attempts to remove fraudulent items from your platform. Despite my repeated efforts to report these fraudulent listings, I have encountered significant obstacles and delays in their removal, which is deeply concerning. 

However, I regret to inform you that despite my persistent attempts, these fraudulent items persist on your platform for an unacceptable duration. This not only undermines the credibility of your service but also exposes your users to potential financial losses and other risks associated with fraudulent activities. 

Furthermore, the lack of transparency and communication regarding the status of my reports has only compounded my frustration. I have received minimal updates on the progress of my complaints, leaving me uncertain about the actions being taken to address these issues. 

As a valued user of your platform, I expect better accountability and responsiveness from your company in combating fraudulent activities. It is imperative that you take immediate and decisive action to improve the effectiveness of your fraud detection and removal processes. 

I urge you to allocate additional resources to expedite the removal of fraudulent items from your platform and enhance communication with users regarding the status of their reports. Implementing stricter verification measures for sellers and investing in advanced fraud detection technologies are also crucial steps to prevent the recurrence of such incidents in the future. 

Failure to address these concerns promptly will not only erode the trust of your user base but also expose your company to potential legal and reputational consequences. I implore you to take this matter seriously and prioritize the protection of your users from fraudulent activities. I am asking for your assisstance to remove these fraud items in my credit file : 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 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX of XXXX  in accordance with the Cares Act. My account # is XXXX. Reported late payments was in XX/XX/2022. XXXX XXXX reported me late to the credit bureaus adversely affected my credit. XXXX XXXX was prohibited in reporting me late as I was making modified, on-time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Consumer complaint received 2018-08-10
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: EQUIFAX, INC. (IL)

I have been attempting to get this defaming information off my credit report and the bureau continues to say re-investigation in progress since XX/XX/2018. Every month it's the same re-investigation process for the past 5 months now. The bureau has not sent me any verifiable proof with my signature to prove the information reported is accurate.
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (FL)

On XXXX I retained a law firm named XXXX XXXX XXXX XXXX XXXX, ( hereinafter referred to as XXXX XXXX ) to help facilitate a loan modification with Citi Mortgage for my homestead property located at XXXX XXXX XXXX XXXX, XXXX FL XXXX, Loan {$0700.00} XXXX XXXX ( since that time my servicer has changed hands twice, from CIti to XXXX to now XXXX XXXX ) And I terminated XXXX XXXX inXX/XX/XXXX. My Complaint to the CFPB is regarding Citi Mortgage and the violation of FCCPA and Fl Stat 559.72 ( 18 ). On XXXX XXXX XXXX sent via certified mail a Cease and Desist Letter directing XXXX to send ANY AND ALL future correspondence to XXXX XXXX. On XXXX XXXX XXXX  also sent certified mail to Citi a Qualified Written Response. Citi Mortgage blatantly IGNORED both of these letters, which DELAYED AND HURT THE LOAN MOD EFFORTS THEREBY CAUSING ME IRREPRABLE HARM AND HURT MY CREDIT. I received OVER 60 letters from Citi after XXXX which by all rights and purposes were supposed to be sent directly to XXXX XXXX, which the CFPB can plainly see delayed and hurt me terribly. By Citi ignoring the C & D, and  the QWR wreaked havoc on my effort to simply just modify my mortgage. Citi repeatedly sent to me OVER 60 letters, of which I have them all, and would be too voluminous to submit to the CFPB with this formal Complaint. On XX/XX/2015 XXXX XXXX   sent a formal Demand Letter to Citi mortgage WHICH ALSO WAS IGNORED. Citi Mortgage 's blatant gross disregard and IN VIOLATION of the FCCPA AND FLORIDA STAT 559.72 ( 18 ) is reckless and hurt me and my credit. These national mortgage services need to be held to a higher standard and be held accountable. By their not adhering to the FCCPA AND APPLICABLE STATUTES HARMED MY CREDIT. I am submitting this complaint to the CFPB as well as sending a formal demand letter for restitution to me from Citi. I have since after much, MUCH effort finally obtained a loan modification for my homestead AFTER EXHAUSTIVE EFFORTS WITH CITI WERE FUTILE AND NOT SUCCESSFUL. I can not stress to the CFPB enough that even with an attorney pursuing a loan mod it was impossible to achieve with Citi ; I finally did obtain a modification with XXXX when they took over servicing my mortgage, which has since changed to a servicer named XXXX XXXX. CITI MORTGAGE BLATANTLY IGNORED the C & D,  the QWR and the Demand Letter. HOW CAN A NATIONAL MORTGAGE SERVICER DO THIS IN GOOD CONCIENCE??? The lowly homeowner WHO THEY ARE SUPPOSED TO BE SERVICING IS JERKED OVER AND HURT.
Consumer complaint received 2022-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

n accordance with the fair credit reporting act XXXX  aXXXX XXXX  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 604A Section 2 it also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I requested and was granted by XXXX a payment accommodation ( deferral ) plan on or about XXXX of XXXX  in accordance with the Cares Act. My loan # is ( XXXX ). Reported late payments was in XXXX, XXXX, and XXXX of XXXX  XXXX reported me late to the credit bureaus adversely affected my credit. XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (KS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, Wells Fargo Dear CFPB, I am disputing an item on my last statement, dated XX/XX/18 because I believed I was misinformed of the promotion that XXXX XXXX store was offering us on their no interest rate for 18 months credit card at that time. Last year, my fianc and I came into XXXX located in the XXXX XXXX XXXX in XXXX to shop to purchase wedding rings. Once we decided to purchase the rings, I was planning to place the purchase on my personal credit card, but the sales rep informed us that they had a great promotion on their in-house credit card that doesnt charge interest for 18 months. It sounded too great to pass up. So, we inquired some more information on it to make sure we knew what the agreement was. The sale rep assured us that there would be no interest for 18 months and after that period all we had to do was pay the monthly interest and the balance. We thought it was a great deal so that way we can use more money towards our wedding. 
So, after the 18 months was over. We received our XX/XX/2018 statement with a balance of {$3700.00} with an interest charge of {$4300.00}. Coming to a total of {$8100.00}! We just thought it was a mistake for the interest charge. We called the credit card company and found out that there is a roll back interest charge since we did not pay off the balance within the 18 months free interest rate period. We were furious with the false advertisement that the store had given us so I immediate cancelled the credit card and requested to speak to management. I explained the situation to the manager on the shift saying how the sales rep mislead us and use deceptive marketing practice to lure us in with the promotion they offered but did not explain all the cost involved if it was not paid off within the 18-month free interest period. If that was the case, we would have used our own personal credit card if we had known or even pay off the balance before the free interest rate period expired. The manager on duty explained over the phone that it was in the contract and there wasnt anything that they could do but they can give us a discount if we were able to pay the balance in full in a set time. To me, I feel like they were well trained for this scenario and it seems like it wasnt a first time a customer called to complain about the roll back interest charge or their last. 
We agreed to the terms for the discount and have since than paid the amount of {$7000.00}. So, if the sales rep had explained this to us in person last year. We could have used our personal credit card or even pay off the balance before the promotion had expired. Please assist us in getting a refund on the interest we paid. We believe its only fair we not be charged for the roll back interest given that we paid off the entire credit card balance as soon as we discover the promotional rate they promised was false advertising.
Consumer complaint received 2024-03-02
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. (NC)

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 Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$790.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2022-07-08
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)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, 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
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

I have been making on time payments under the Income Driven payment plan since XXXX XXXX. I have submitted employment certification forms from each of the " qualifying '' employers, the most recent being sent XX/XX/XXXX. I contacted my loan servicer ( XXXX XXXX  ) requesting a detailed list / number of qualifying payments. Currently they have me credited with making 35 " Qualifying Payments Made ''. There  were a couple of periods when my account went into hold/forbarance when new IDR payment was being disputed/calculated. However, in general in my records I have made at least 10+ payments per year since XX/XX/XXXX. That is a considerable amount more than 35. Not sure if this is due to my loans being transferred from previous servicer to XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent for my credit repot & saw ir was low, so contacted Transunion, got the report and from there Transunion file # XXXX & 547 days later, the negative is NOT ME as I reported Identity/cyber theft how/why isn't it fixed after 547 days??? 
I called TransUnion on Wednesday, XX/XX/2018 inquiring to the status and the lady filed yet another ( 4th ) dispute??? I followed every direction and I thought it would be corrected by now?! 
I put fraud alerts on/with Transunion yet places i.e. XXXX XXXX still using my name? They l Transunion it seems did not provide other credit agencies that I am victim of cyber/identity theft so my credit is so low for my paying everything like a responsible person and no-one contacted me to ask if it is me taking out school loans when I paid mine off earning XXXX XXXX XXXX and paying it ...! 
My HELOC is now over {$100000.00} and I did not use any $ $ yet Transunion put fraud alert and money was directly being withdrawn as agent there should be {$1000.00} in that account insttera I owe all of that and got a phone call saying I can eaxgtend my HELOC although XXXX said it was closed but could not tell me why over seven ( 7 ) years ago????? What is going on because XXXX XXXX just giving me the run-around and I want my {$10000.00}!!!
Consumer complaint received 2022-03-10
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. (MO)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (CA)

I order XXXX XXXX  for a bundle package with Premium channels and Internet together as one bill when received bill it was for two different amounts called several times and spent a lot time on phone supervisors said that someone entered in wrong so I explain change the plan that I originally asked for the refused and said they could do nothing for me tried to get me to change to a more expensive plan I said I would not that I want to discontinue services if they couldnt they said they wouldnt now being charged {$700.00} to discontinue now the sold my debt to Sun rise collection also my credit has collection on it I have asked Sun Rise that I would pay half even though I do t feel I should pay anything but they are unwilling to
Consumer complaint received 2018-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

Pd Ally Financial on XX/XX/2018 for the amount of {$1300.00} by XXXX XXXX. They have missed places {$400.00} of my payment. They are telling me it's under investigation. All my accounts are froze, I can't use online account or automated information for its says there is a problem with my account. I have dealt with this almost a month. To make a payment I need to call and speak to a representative.
Consumer complaint received 2022-07-26
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. (CA)

To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY. 
Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy. 

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 ) Therefore I am requesting IMMEDIATE REMOVAL OF ALL Negatives ITEMS FROM MY CONSUMER RFEPORT
Consumer complaint received 2018-08-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (GA)

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX in XXXX, Ga. on XXXX XXXX XXXX to trade in my XXXX XXXX XXXX for a later model of the same. After being there for 6 hours I left signing my contract and didn't know the trade in was not included. Last week my bank took the payment out and I called them and told them I had traded the car. The bank informed me they had no paperwork of the trade. I had sat down with XXXX XXXX, General Manager of XXXX XXXX XXXX and told him the reason I was there. I had made an appointment with him previousely. XXXX XXXX then assigned XXXX XXXX to help me with my trade/sale. She asked about my car and the lienholder, and mileage. I had no idea the car had not been traded until last week. I had been trying to communicate with dealership to see if they can redo the loan and no one is getting back with me. Friday I went to the local precinct because I was told the car wasn't traded but XXXX XXXX said the car was not there. It was on the lot for 30 + days and no one never tried to call and tell me that the car was not traded. I was asking for my loan to be modified to include the trade. I am on social security and a part time job and I can not afford 2 car payments. I should have never got approved for a second car with my debt to income ratio without one being traded. I was negligent in not realizing my trade was not included in this loan, the dealership is also negligent by pushing through a loan my income surely indicates I can not afford 2 loans.