davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (IL)

I was looking over my credit report and I received a notification on XX/XX/2018 from " Diversified consultants '' attempting to collect a debt of {$360.00}. The original creditor name is XXXX. My closing statement is I have no knowledge of this account what so ever and where it came from. It would be appreciative to have this negative item removed because its effecting my credit history. Thank you. Also, I have another complaint against another collection agency by the name of " XXXX XXXX XXXX '' who on XX/XX/2018, also is trying to attempt to collect a debt of {$760.00}. The original creditor is XXXX. Prior to this collection there was a previous collection with the same creditor ( XXXX ) by the name of XXXX XXXX with the balance of {$760.00} and it was later removed in XX/XX/2018. I would also like for XXXX XXXX XXXX to be deleted immediately. This is illegal.
Consumer complaint received 2018-10-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

My loan was sold to Rushmore Servicing on or around XX/XX/18 from XXXX. Since the transfer I have had nothing but problems. I even attempted to contact the president of the company to seek resolution. I have put my complaint in writing to Rushmore per their requirements. 

My complaint is for inappropriately posting of a principal deduction payment made on XX/XX/18 from my bank account with XXXX XXXX. I followed the exact instruction provided by Rushmore in their servicing transfer letter, however the payment was rejected by them. I again attempted to resend the substantial principal reduction to them from XXXX XXXX on XX/XX/18 following new address information from Rushmore, again this payment was rejected. I provided written evidence and confirmation from XXXX XXXX showing the date, time, correct loan number and reason for rejection by Rushmore. Although I've received a few communications from Rushmore on this issue, it remains outstanding. The evidence is clear, they need to post the principal reduction effective XX/XX/18 and adjust the interest charges appropriately. As an addition issue, Rushmore does not provide a secure method for a customer to provide MNPI information and encourages the consumer to fax information across unsecured phone lines. They have little regard for consumer data protection.
Consumer complaint received 2017-06-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio recovery associates, llc Original creditor is  XXXX   XXXX  and mercant is  XXXX    XXXX   XXXX   XXXX  , I have been disputing them on my credit report that I have never signed paper work with their office. The keep sending me copies of a pay history from a   XXXX   XXXX   with no sign contract from me. I ask if they would delete it and it keep coming back the information is true. Contact number is  XXXX  The letter is dated for  XXXX   XXXX ,  2017
Consumer complaint received 2018-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is charging me overdrafts on days I receive my Direct DEPOSIT and then posting correctly. As on XX/XX/18 I received a direct deposit and after it cleared up my overdrafts I had XXXX I then charged XXXX and they charged me a XXXX overdraft. I also had money deposited all weekend. They are not applying the overdraft rewind correctly and I have multiple deposits. I have been overcharged overdrafts in excess of XXXX And XXXX of them not correct. They are also charging before items post and also not posting direct deposits correctly. Causing more overdrafts even when trying to deposit money to make current same day they are screwing up. Everything I deposit seems to just cover their fees which is ridiculous
Consumer complaint received 2019-05-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CARVANT FINANCIAL LLC (CT)

OnXX/XX/2018 the transmission on the car blew. Dealing with both the bank and car dealer it turned out that there was a scheme to prey on poor people in the income tax season. However, the bank lied about helping me with repairs, but wouldn't help after I sent the car to XXXX XXXX and the car was fixed by them. It was impossible to come up with the amount they were asking for to put down towards the repair bill due to me taking a major loss of employment due to the car transmission blowing I had no way to work. The car was sold to the repair shop with the title and all. I no longer feel I owe them anything because the car was sold for XXXX . I financed this car in XX/XX/2018 at XXXX XXXX who mysteriously vanished after scamming people out of their money in XX/XX/XXXXor XX/XX/2018 after the income tax season ended. They are reporting this car to the credit bureau as late payments when they know darn well the car been sold to the repair shop. I don't care what they put it as, but tell the truth it was a repair lien held on the car because they refused to pick the car up from the repair shop as they did previously with XXXX XXXX. What a coincidence they were willing to drive all the way from New York to have their mechanic take a look at the car to say the obvious. The transmission needed to be repaired. The car was returned back to me in Connecticut, but they refused to pick it up from the repair shop after saying they would cover the cost and add it to my loan. I don't feel as if my children and I should have to continuing suffering because of poor customer service businesses who choose to scheme on the poor. I hold carvant responsible as much as XXXX XXXX. I would like to be treated fairly they were wrong. I asked can they trade the car both the bank and XXXX XXXX kept lying on one another saying they were waiting for some mysterious person to be contacted which never happened then XXXX XXXX went missing boarded their business and DMV couldn't say why, but I'm sure it was because they could no longer do buy here pay here business and the CEOsaid he would stop doing business with them as well. I am also 100 % sure carvant filed it as a loss on their taxes because I made it very clear I would never pay the cost of XXXX XXXX on a car I drove for 97 days. I even asked to be brung to court because they threatened me daily but it didn't happen yet. This has ruined my life and my children life because I don't have transportation to work a job, get to and from schools and daycare, grocery shopping etc.
Consumer complaint received 2018-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018 I made a XXXX transfer through Bank of America to my cell phone number.The cell phone number was previously registered to someone else through XXXX XXXX.I have had the cell phone number for 2 years and I went to my XXXX account and updated it.The {$400.00} i transferred went to an unknown XXXX XXXX account.Ive reached out to bank of america and they are telling me they reached out to XXXX and they can't do anything to retrieve my money back.
Consumer complaint received 2017-06-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc. (NJ)

i was advised by   XXXX   XXXX   that they (   XXXX   ) directed  SIMONS Agency t o remove all collection attempts by  SIMONS AGENCY   XXXX   XXXX  advised me of this on  XXXX .   
Simons agency has failed to complete removal of these false collection bills on my credit bureaus.
SIMONS fails to cooperate
Consumer complaint received 2017-06-18
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. (IL)

I have sent letters to all XXXX credit bureaus reporting hard inquiries that I did not authorize. While I did purchase a vehicle back in XXXX of 2016 I should have not been dinged for that many hard inquiries for a one time purchase. I have asked them to remove or provide me with my signature showing authorization was allowed but none of the companies can do this and all XXXX bureaus refuse to remove the unauthorized hard inquires on my report.
Consumer complaint received 2021-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION (OH)

Our forbearance with monthly agreed payments began XX/XX/XXXX and ended XX/XX/XXXX. We have not missed any agreed upon payments. Per agreement, we resumed regular monthly payments in XX/XX/XXXX. We had a loan modification approval in XX/XX/XXXX. However, the Mortgagee apparently ignored arrangements by recently making an 11th hour claim that we owe money since XXXX! We have not to date received any detailed proof of the varying figures claimed. We have lived at our residence for over 12 years. 
Your assistance on this matter will be appreciated.
Consumer complaint received 2019-01-10
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. (NC)

Ive been in an installment loan with XXXX XXXX almost a year. Ive already had issues with them giving out my information to third parties, co-workers among other things. My issues are a signed a forbearance form, considering my area is declared a natural disaster, that my payments be defered until XX/XX/XXXX. Im in the middle of closing a home equity line of credit to pay XXXX XXXX off. As of today, a 30 day deragatory remark is on all three of my credit bureaus which in essence has stopped my process with my home equity line of credit in regard to paying them off and also was completely deceptive in telling me what forbearance was given to me in the first place for.
Consumer complaint received 2018-10-22
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. (MI)

The credit bureaus ... XXXX, Transunion, XXXX have not updated my report to Chapter XXXX bankruptcy discharge from XX/XX/XXXX. 
I'm trying to rebuild my credit after fallen on hard times. I've been XXXX since XX/XX/XXXX from an accident and would like them to acknowledge my recent closure.
Consumer complaint received 2017-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have sent letters to all XXXX credit bureaus reporting hard inquiries that I did not authorize. While I did purchase a vehicle back in XXXX of 2016 I should have not been dinged for that many hard inquiries for a one time purchase. I have asked them to remove or provide me with my signature showing authorization was allowed but none of the companies can do this and all XXXX bureaus refuse to remove the unauthorized hard inquires on my report.
Consumer complaint received 2023-03-19
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. (GA)

I am writing to dispute the following information in my file, I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act G604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigaton, picase send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents aulhorizing c inquiry, and signed on my behall, so that I may verity its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately ft credit file. Please be so kind as to forward me documentation that you have had the unauthorized inqu removed. If you find that I am in error, then please send me proof of this Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above, According to the provisions of 5 612 ( 15 USC 9 1681 ) ), there should be no chargo hom Your immediate attention to this matter is appreciated
Consumer complaint received 2022-03-11
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank, acct XXXX XXXX  XXXX, acct- XXXX XXXX XXXX, acct XXXX XXXX, acct- 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 an account without my written instructions
Consumer complaint received 2019-05-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (WI)

I have been working with Caliber Home Loans very closely for months. Every single time I call Caliber I am given different information and then the rep says I am sorry you were misinformed. This is unacceptable. I want the calls reviewed that are recorded for quality assurance. These are not quality calls if the consumer is constantly being told something different. Most recently I was told that I had funds sitting in an unapplied cash account that would be applied to my first payment of my new loan modification once my paperwork was received. In the meantime part of the money was applied to the loan. This is not what the rep I spoke with told me would happen. Why do all of your reps give a different story? 

Additionally - everytime Caliber sends out documents they are never received. All other mail is delivered except for Caliber documents. One of you reps even said " we hear that a lot, we dont know what USPS is doing with the documents ''. This is unacceptable from a company that is managing such large assets.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

In XX/XX/2018 I was in an accident which totaled my XXXX XXXX. My insurance company XXXX XXXX XXXX paid the amount to cover the loss of my vehicle. I received a letter on XX/XX/XXXX from XXXX that states my loan has been paid in full. On XX/XX/XXXX received another letter stating I owed XXXX . I tried to resolve but meanwhile they sent a notice I was 30 days late paying my bill that reflexed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc. (CA)

During XXXX and XXXX, I was traveling in the United States and XXXX on various Musical Tours. A few times within that period I tried to make my payments via XXXX  XXXX XXXX app and their website however I had some difficulty with the payment processing. As a result, my payment never went through and I received a late payment flag on my credit report. 

I tried explaining this with various XXXX XXXX representatives and they mentioned there was nothing that could be done which had me contacting CFPB. 

I have a great payment history with XXXX XXXX and have had my credit limit on my cards increased by them without any inquiry. 

This was an unfortunate circumstance beyond my control but my record speaks for itself as I am in very good standing with them.
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

Our family applied for a conventional mortgage on a home. We offered {$240000.00} on the home, along with {$5000.00} in case the home did not appraise. We did this due to the fact that there was an issue with other homes in the area not appraising for their purchased value. 
We contacted Chase bank in Arizona who we were referred to. The loan officer ensured that the appraisal would be waived on several occasions over the phone and via text message. Needles to say, he did not have the authority to do so, which he did not tell us. 
Instead, we were accosted by an appraiser who was at the house, unbeknownst to us, or the seller. The appraisal returned lower than expected and we have to cover the cost of both the appraisal and the variance in value. We did not budget for this cost after speaking with the loan officer at Chase  because he told us he could have the appraisal waived and sold us on the fact that JP Morgan Chase does it's own underwriting. 
Subsequently, we determined that this loan officer, and the superior lending manager, did not have our best interests at heart. 
We contacted Chase bank in Michigan who guaranteed that the application can be processed on time, even if it was transferred to the local branch because, again, JP Morgan Chase does it's own underwriting. 
The office in Arizona has since ignored calls and emails and refuses to communicate a reason why they will not transfer the mortgage application to the Michigan office. This puts our ability to close on time in jeopardy. It will also cost use several XXXX dollars due to the Arizona branches loan officer lying about his abilities.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

ACCOUNT : XXXX XXXX ( Original Creditor : XXXX XXXX ) account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX account number : XXXX and XXXX XXXX account number : XXXX 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank, acct XXXX XXXX XXXXXXXX, acct- XXXX XXXX XXXX, acct XXXX XXXX, acct- 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 an account without my written instructions
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation (MI)

To Whom It May Concern : I know you have an oath. I know you have an oath to the state that we are in. I know you have an oath to the United States, so I accept those oaths, both of them. 
I confirm that I have received a written communication from you dated XX/XX/XXXX wherein you make reference to the above captioned matter. It is apparent that you are acting on the presumption that some relationship that you may have with XXXX XXXX, is in some way related to me. I am not a party to this implied relationship you have with XXXX XXXX, either directly, indirectly or by means of any tacit consent. Accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us. I have offered to settle the matter between myself and XXXX XXXX. 

MAXIMS OF EQUITY 1. Equity sees that as done, which ought to have been done 2. Equity will not suffer a wrong to be without a remedy 3. Equity delights in equality 4. One who seeks equity, must do equity 5. Equity will not aid a volunteer 6. Equity will not allow a statue to be used as a cloak for fraud 7. He who comes in equity must come with clean hands And ye shall hallow the fiftieth year, and proclaim liberty throughout all the land unto all the inhabitants thereof : it shall be a jubilee unto you ; and ye shall return every man unto his possession, and ye shall return every man unto his family. ( Leviticus 25:10 ) ENFORCEMENT OF RIGHT OF SUBROGATION FOR FULL SETTLEMENT AND CLOSURE OF THE ACCOUNT I request to Invoke my Rights to Subrogation ; HJR 192 March 9th 1933, Congress 73-10, Chapters 48 Stats 48 subsection 112 ; " He who creates the liability must provide the remedy '' ; Truth in Lending Act ( TILA ) of 1968 ; and " Refusal for Cause Without Dishonor '' UCC3- 501, 2-207 ( 2 ) ( c ).

1. " I-demand-my-right-to-subrogation-and-we-are-not-moving-on-until-this-is-resolved. '' 2. " Public-Servant-prosecutor-do-you-conform-to- '' Clean-Hands-Doctrine ''? 
3. Then-certify-my-right-to-subrogation-in-avoidance-of-a-claim-for-destruction of Rights. '' ( As-certified-it-is-mine ). 
Of this presentment take due Notice and heed and govern yourself accordingly.