davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-01
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. (OH)

Hello - I have requested the METHOD OF VERIFICATION AND VALIDATION from TransUnion since XX/XX/2019 via certified mail tracking # XXXX for the following account as these accounts are REMOVED/DELETED from XXXX  and XXXX  and ONLY EXIST ON TRANSUION WHY? 

XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX DPT EDXXXX # XXXX ( FOUR OF THE SAME ACCOUNTS )
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (FL)

I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (ID)

On XX/XX/2019 I sold my house and Freedom Mortgage loan number XXXX was paid off. On XX/XX/2019 Freedom Mortgage disbursed the balance of the escrow account to me. On XX/XX/2019 Freedom Mortgage received {$510.00} from XXXX XXXX company for the balance of the homeowners insurance that was disbursed to them prior to the sale of the home. 

The first week of XXXX I called Freedom Mortgage and asked them to release the funds to me. I called again the third week of XXXX as they had not released the funds though they had promised to cut a check on the XXXX. I called again on the XXXX and they assured me the check would be cut on the XXXX. It is now the XXXX of XXXX and they have still not released the funds.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (OR)

XX/XX/2016 I contacted Citi online customer service as my account had not been credited with the advertised signup bonus for a Citi Thank You Premier card that I signed up for. The online agent was able to satisfactorily resolve my issue after several emails back in forth through XX/XX/2016. I then called Citi customer service and spoke with an agent, who said although she could n't help me, she would document my request and elevate it. I then later received a letter that my request was too old. Can you please fix that for me? I received marketing materials from Citi advertising a signup bonus for this card, and I met all of the requirements. I am a long standing good customer of Citi. I do n't think it fair to deny the signup bonus because this is taking a while to resolve ( through no fault of my own. Thank you!
Consumer complaint received 2023-09-14
Product: Credit reporting 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. (AZ)

I reached out to Experian in late XX/XX/2023 to find out how I could order a credit report for an employee ( myself ). I needed a credit report dated within 90 days to submit with an application to US Customs and Border Protection for a US Customs Brokers license. 

I received a reply from XXXX XXXX XXXX XXXX stating that if I needed a single credit report that I should have the employee order it from experian connect program. It could then be shared with the company. 

I did that but the report was not dated which is a requirement for the application. I reached out again and she told me XX/XX/XXXX that when the report was shared with the company that it would be dated. It was shared and again the report was not dated. I reached out again and told her it was not both by email and leaving her voice messages. She advised me to contact XXXX on XX/XX/XXXX. 

I called that number several times and was only given the option to put a credit hold on my account or purchase a new report. It was entirely automated and did not give me the option to speak to a representative. I submitted another webform that day to complain to experian connect. I have gotten no response. I then reached out to Experian on XXXX. on XX/XX/XXXX. I was told that it was Experian.com and not XXXX and they could not see my order. I was given the email address for experian connect. I sent them an email that day. No response as of yet. I also emailed XXXX XXXX again. 

On XX/XX/XXXX she replied with the phone number of XXXX. After several unsuccessful calls ( the automated system kept dropping the call as did agents while transferring me ) I finally spoke to someone. Who, again, could not help me. He was in the disputes department. He told me he would send out a credit report by mail but did not know if the date would show on that report. He transferred me to the membership team whom he said would be able to help me. 

I spoke with XXXX ( she would not provide an employee number or last name ) but said she was a supervisor. She gave me a case number but stated that she could not see that I had requested an official credit report and was therefore not able to issue me a refund for the purchased credit report. She said the report the other agent was mailing would arrive in 7-10 business days. I told her it was fraudulent to charge me for a service and not provide it when I had been so clear from the beginning what I needed and that it was required for the US Government. She advised that I could complain here and dispute the charge with my credit card company, which I have. 

If XXXX XXXX XXXX has to reply quickly in cases of business credit where the federal government is concerned I suspect the same is true for personal credit. 

Please let me know if you need the case number, or emails.
Consumer complaint received 2019-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Summary : Paypal rescinded an offer to refund me for the cost of a bag that did not match its online description. I mailed the bag ( at my own cost ) to XXXX after the initial determination that I would receive a refund, but after I mailed it I received notice from PayPal that I would no longer receive that refund. They gave no explanation, and they denied my later online requests to reconsider.

The bag is now back in the hands of the seller.

The bag in questions lacked the two key features highlighted in the description, and initially PayPal accepted my request to return the bag and receive the refund. Purchase price = {$45.00}.

I am now out of a bag and the return mailing costs. 

The purchase was made onXX/XX/XXXX, and there have been a string of emails with the seller and PayPal since then. But PayPal has closed the case, and no human seems willing to speak with me. Its emails are all automated and I imagine no one has given my case any thought.
Consumer complaint received 2022-12-14
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. (NV)

In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America Allegiant MasterCard closed my acct without warning. After I made a large purchase at the grocery store my card was declined. I am not even close to my maximum credit allowed. I called them and they said they send me a letter about my situation and they had not. Today I have received the letter stating that my acct is closed due to my risk profile no longer aligns with the banks risk tolerance. 
It says they can close the account at any time and my reward points will be forfeited. 
I feel this is deceptive and unreasonable because I am not near the maximum credit allowed.
Consumer complaint received 2019-07-01
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)

XXXX XXXX {$180.00} XXXX XXXX XXXX {$360.00} No valid claims ... accounts were settled with original creditors Grave errorsfalse claim and reportingI want these accounts removed or corrected immediately or litigation may follow. Debts can not be collected twice or reported in errorthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from XXXX XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2020-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I asked several times for lvnv Funding to verify my 2 debts. Lvnv Funding has continously sent me blank statements saying that it was verification. I asked if they would delete if paid. They said no. I recently removed dispute comments from all of my credit reports, to start the mortgage process ... ..I took a significant hit on my points. Less than 2 weeks later ... .LVNV funding has decided to ruin my life a little more and put the comments back. This is rediculous!!! Now to remove the comments again ... .I 'll have to take another hit on points. I want these 2 accounts they hold deleted!!!!
Consumer complaint received 2019-07-01
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. (GA)

XXXX XXXX  {$180.00} XXXX XXXX XXXX {$360.00} No valid claims ... accounts were settled with original creditors Grave errorsfalse claim and reportingI want these accounts removed or corrected immediately or litigation may follow. Debts can not be collected twice or reported in errorthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MN)

XXXX, is illegally reporting my credit information to Macy 's credit card Services On a monthly basis without my knowledge? 
Macy 's didn't pull my credit report because there is a freeze on it? 
In return even though I have never missed a payment and at this time I had over half of available credit on this card. 
Based on this information that they Illegally obtained from XXXX they reduced my credit limit? 
XXXX is selling my information and want to sue them.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

# 1 Home Depot Credit card - the store checkout person sold - you will get a discount. 
1. I signed up, with our excellent credit, got approved for one transaction {$120.00} 2. Returned some stuff, account was down to {$54.00} 3. When I tried to pay, it said you were trying to pay more! Rep said there was a pending return slip of {$53.00}, and took that payment {$1.00}. Ok {$0.00} balance, right? 
4. Wrong! XX/XX/19 - I looked online, had late fee of {$28.00} on top of $ XXXX- {$1.00} ~ {$53.00}. 
So I called them, and paid with {$53.00}, rep said will delete late fee. 
5. XX/XX/19 I check online account, yup ANOTHER late fee, called rep, saying first no {$53.00} payment, then more detailed that yes there was a payment {$53.00}, that was deleted later, that is why ANOTHER late fee and {$53.00}. But wrinkle was that actually only {$45.00} due in their backend system. I offered to pay with a credit card so to get a compete account. 
6. XX/XX/19 XXXX - asked same rep in # XXXX above to bump to supervisor XXXX emp id XXXX and she said cant take credit card even if charge convenience fee. She took my debit card to pay off account {$53.00} and I asked to close account. Conf # XXXX. 

4+ rep interactions - Consumers time got to be worth minimum wage! 
Home Depot is awful in credit card DIS-services. 
My advice - don't fall for their promos, etc. 

# 2 A separate fear I have, is that returns are nickel-and-dimed, not sure if all of them made it, as the background entries show discrepancies - like pig in a python .. the digestion seems to take month+. Witness {$54.00} shown, but -XXXX credit " return pending '', then next time -XXXX only not -XXXX due. XXXX!
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NH)

On XX/XX/XXXX, I contacted LoanCare and spoke with XXXX to determine why my payment was reporting as late. It was determined that the loan payment had been increased by {$120.00}, which resulted in the payment of {$1100.00} being applied to principle, rather than as a monthly payment. I made the additional payment of {$120.00} and was told the payment of {$1100.00} would be backed off and properly applied. On XX/XX/XXXX, I spoke with XXXX to check the status of the correction, and was advised that it would be 3-4 more days for the payment to be corrected. I called back on XX/XX/XXXX and spoke with XXXX, who escalated the payment correction for a 3rd time, and to call back on Wednesday to make sure the payment was corrected. I called on XX/XX/XXXX, and spoke with XXXX, who then transferred me to a supervisor named XXXX. XXXX promised me that the issue would be rectified by Friday ( XX/XX/XXXX ) and promised a call back. On Monday, I had still not heard from XXXX, so I called back on XX/XX/XXXX and was forced to request a callback, as XXXX was not available, and there were no other supervisors to speak with. I was called back by XXXX ( agent ID : XXXX/ direct phone : XXXX ). XXXX advised at that time that he was unsure why XXXX would have provided me with a timeline of XX/XX/XXXX for issue to be rectified, as it clearly stated the issue would be rectified on XX/XX/XXXX. He guaranteed me that the issue would be rectified by XX/XX/XXXX, and also guaranteed a call back. I called XXXX directly on XX/XX/XXXX, as the issue had not yet been taken care of and I did not hear from him. I left a voicemail and never heard back. I called back on XXXX, as my loan was now reporting as 30 days past due, and spoke with a supervisor named XXXX. XXXX stated it would be another 3 business days for the loan to be rectified, and that the loan had already been reported to the credit bureaus as derogatory. After pleading to have the issue rectified, XXXX stated she was transferring me to another member of management, where I waited on hold for over an hour and eventually had to hang up.
Consumer complaint received 2015-06-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

Reported to credit agency that I was late with a payment when I actually tried to make a payment. 
In XXXX, I made my mortgage payment through their online service when it was due. After a few days, I noticed the payment had not cleared my bank. I called Ocwen several times to ask why it had not cleared. They stated that the payment was pending. XXXX weeks later, I received notice THROUGH THE POSTAL SYSTEM, not a phone call, that the payment was not made, I was XXXX days in arrears and it was reported to the credit bureau, which affected my credit score, as well as my husband 's. I have made numerous attempts to have Ocwen remove the late charge through phone calls and letters. To this date, my credit is still not where it was and it has caused me to have limited access to funds from other institutions. I can understand their stance on this if I have a record of being continuously late, which I do not. If you look at my credit history, you will notice that I am not late on paying ANY bills. I believe that Ocwen 's tactics are unethical. My loan was sold to Ocwen, so I had no say in who would be servicing my mortgage loan. However, I feel that me and my husband have been treated unfairly.
Consumer complaint received 2023-08-17
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. (LA)

I contacted XXXX to inquire about this debt. They could not find the account. I gave them my name, address, social security number, birth date, account number ( XXXX ) and even phone number ( XXXX ) and they were unable to locate the account. 

I disputed this with the XXXX bureaus and they left the item on my file. 

It is against the Fair Credit Reporting Act for the XXXX bureaus to report a debt that they can not verify. 

I want Ithe credit bureau to comply with the FCRA and remove this unverifiable collection from their file
Consumer complaint received 2019-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (LA)

On XX/XX/XXXX, i signed a contract with Ally Financial for an auto loan. I began the first {$570.00} payment on the loan XX/XX/XXXX. The first 5 years of the loan i made payments on time every month, never late. Last year i had to change jobs and got about a month behind. In XX/XX/XXXX i started making {$600.00} to catch back up and have since continued to make {$600.00} payment and am now only {$190.00} behind. During the first 5 years of the loan, i made 6 extensions, using those only when i was having financial trouble or was laid off from work. XX/XX/XXXX is the end on the 72 month contract and Ally has now added an addition 24 months to my loan. They claim it is because of unpaid finance charges, the finance charges on the contract where {$16000.00} to date i have paid over {$19000.00} in finance charges. I have contacted Ally and they seem unwilling to fix this issue and comply with the written contact.
Consumer complaint received 2019-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (SC)

On XX/XX/2019 I initiated a transfer of {$1500.00} from one bank account ( Bank 1- U.S. Bank ) to another ( Bank 2- its XXXX XXXX ). I received an email from Bank 2 confirming the transfer. 



On XX/XX/2019, I received an email that Bank 2 had closed my account. I called and asked their customer service why it was closed and I was told it was closed by a system error and that my attempted transfer would " bounce back '' to my Bank 1 account within two business days. 



Well, it didn't. 



Bank 1 's statement lists the {$1500.00} withdraw by Bank 2. Since my account with Bank 2 was closed before the transfer hit, it does not show any record of the {$1500.00}. 



I filed a claim with Bank 1, and they told me there is nothing they can do because I authorized the transfer. I filed a claim with Bank 2, and they told me there was no error on their part. 


I transferred the money via XXXX, the in-app transfer service. I verified the account numbers, so I did not accidentally send this money to someone else 's account.I tried to contact XXXX and they told me that if I used XXXX in my bank 's mobile app ( which I did ) and need service, I have to contract my bank. 

I have all the documents acquired thus far.