davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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. (TX)

TRANSUNION IS ILLEGALLY REPORTING THE ACCOUNT LISTED BELOW TO MY CONSUMER REPORT. THEY ARE DOING SO BY BREAKING THE LAWS LISTED BELOW THE ACCOUNTS LISTED. 

XXXXXXXX XXXXXXXX XXXX XXXXXXXX {$11000.00} - - -No Data XXXXXXXX XXXX XXXX XXXXXXXX {$7100.00} - - -No Data XXXX XXXXXXXX XXXX XXXX {$1500.00} TRANSUNION IS IN VIOLATION OF MULTIPLE LAWS AND THERE SUBSECTIONS. HERE ARE THE LAWS 15 USC 1681b- Permissible Purpose of consumer reports- REQUIRES WRITTEN PERMISSION BY ME THE CONSUMER TO REPORT ANY INFORMATION TO MY CONSUMER REPORT 15 USC 1681e ( b ) Compliance and procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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.

15 USC 1681 Congressional Findings and Statement of Purpose ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) The banking system is dependent upon fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Aggravated Identity Theft per 18USC 1028
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MI)

I am filing a complaint with Chase mortgage. For months now, I send them my mortgage payment in plenty of time ( a week to 10 days or longer before the first of the month ) and they hold my payment, running up the interest. 
They responded with a blanket statement that I have a fixed rate mortgage and yet there is an $ XXXX interest charge on my statement. 
What for? 
I believe it is because they hold my payment check past the due date on purpose to run up the interest as aI am trying to pay ahead on my mortgage to pay it off. They want to keep my paying as long as they can as my interest rate is 6 %. 
I have tried in good faith to renegotiate ( refinance ) the mortgage with them, but they dodge and delay my requests. 

They say they have responded to my previous complaint with phone calls, but I have no record of them. ( I checked my phone : XXXX and there is on record of them calling me. ) I also got a letter that I was supposed to respond to by XX/XX/2022 which I did not even receive in the mail until XX/XX/2022. 

This is how they treat me. This is bad business...
Consumer complaint received 2019-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MI)

XX/XX/XXXX Dear CFPB, Navient remains a thorn in my side and continues to lie, mislead and when I ask for assistance from their Office of Customer Advocate, what I get is a person named XXXX XXXX who I view and as Id imagine any judge in this country will see as an advocate for Navient ; not the customer. This is a company that is being sued by five States and the CFPB. 

As you will see in this complaint. XXXX changed a document on page 31 ( last page of attachment [ Navient XX/XX/XXXX COPY ] ) stating FALSE information in order to make me pay more interest and bluntly creating false information which has to be committal of XXXX on her part. My XXXX is attached as well, states that my XXXX was approved XXXX XXXX Approved XXXX COPY ). 

Furthermore, as you will see in her letter, she states, Unfortunately, we are unable to transfer your loan to another lender. How is this helping me as a Customer Service Advocate? On the contrary. Shes saying, Im stuck with Navient and therefore without can not have another Student Loan provider. Is this a JOKE? 

Further, furthermore, XXXX is not proving me with any loans that were already paid for before XXXX. Why would I pay for loans that dont even exist? 

This company has pushed me to defer and to claim forbearance for many many many years. Do you think me or any sane person would ask for XXXX XXXX instead of a plan that would allow them to avoid it? Are you serious? This is a joke. NO judge, I believe would put a person as such financial risk and subject them to the levels of stress, anxiety and corruption as Navient has done to MILLIONS of people. Persons they call customers. 

Here 's another lie, " Additionally, it is important to note that the majority of your deferment or forbearance requests were submitted electronically, without speaking to a representative. '' I called and spoke to your reps all the time. You just prefer to lie and say I didn't. Your track record of lies speak for itself. 

And they keep up with this XXXX, You first enrolled in XXXX in XX/XX/XXXX ; however, we first sent you notification of repayment options, including XXXX, on XX/XX/XXXX. 

I never received any information about the XXXX until I first read an article in Time magazine. I demand those year be retracted and an apology letter sent along with some major loan forgiveness asap. 

While I was studying for my second Masters and PhD, Navient was still trying to get me to take out loans. This was in XXXX, XXXX, XXXX and I think XXXX. 
The buck STOPS here Navient.
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MD)

We were scammed by a company called XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. They offered to help us avoid foreclosure for a {$200.00} start-up fee plus a {$1400.00} overall fee for their services. Although we paid all fees they asked of us, we later realized they did nothing to help us catch up or get our mortgage amount reduced. After awhile, they would not answer their phone. Later in XX/XX/XXXX, XXXX XXXX XXXX bought our mortgage. Initially, they stated our mortgage balance was {$190000.00}. Because of XXXX XXXX 's non-help, we asked Green Tree for help so we could get current with our mortgage. Green Tree refused to help, sent threatening letters, did not communicate with all representatives within their company, made harassing phone calls to us, and insisted we pay a larger than usual amount for our mortgage payment. We paid mortgage amounts of {$2200.00} because of one rep., {$1700.00} because of what another rep. stated we needed to do, and other amounts because Green Tree could not give us consistent amounts we needed to pay. Overall, we paid {$50000.00} to Green Tree and yet, they still listed our balance as {$240000.00} as if we paid nothing at all the whole time they held our mortgage.
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: Experian Information Solutions Inc. (VA)

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. 

XXXX XXXX XXXXXXXX XXXX acct # : XXXXXXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX 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 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX ; XXXX  and Transunion should not be reporting each inquiry listedas a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the 45 plus days that is typically allowed to check different lenders and find the best loan. These inquires are all of like kind and therefore should only be reporting as ( 1 ) line item. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report as only ( 1 ) inquiry. It is a violation of the Fair Credit Report Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2018-09-12
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: AMERICAN EXPRESS COMPANY (CA)

This account was billed to a former roommate with my last name provided Amex with copy of billing that does not include my name, they still left on my report. All 3 of my XXXX balance accounts were closed.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation and remove the false information from my credit report, they have yet to respond to me about this matter.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I opened an account with Citibank, didn't make any deposits or anything for a while because I was going through the hiring process at the job I was applying for ( opened the acct to set up direct deposit with this bank ) I got my last check from my last job for {$3000.00} from home Depot. Started getting deposits from new job ( XXXX ) went to XXXX to buy new work clothes and a boot store for work boots. Then tried to buy a money order for my rent at the XXXX money order station ( {$1000.00} ) this was all on Friday XX/XX/2022, tried to use my debit card for the money order and was declined, got a notification from the Citi app asking if it was me, I clicked yes it told me to try again so I did and it declined, I called Citi the rep did some stuff on her computer and said try again and it declined, she tried more stuff on her computer and said try again and it declined. The rep then told me I was over my monthly limit, I have no monthly limit and if there is one it's definitely more than $ XXXX. I walked to the ATM machine right next to the cashier area and pulled out {$1200.00} for my rent money order. Next thing I know my account is blocked the rep tells me someone will call to clear it up in 24-48 hours. It's been 4 days now. I have no money other than what's left in my account ( around {$800.00} ) I can't go to work I have no gas I have no food I've called them every day and they just keep telling me it'll be 24 to 48 hours.
Consumer complaint received 2024-03-01
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. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have placed a permanent credit card offers optout on all three credit agencies on XXXX on XXXX with refence numbers XXXX and XXXX, however on XXXX I was mailed a credit card offer with promotion checks from XXXX XXXX XXXX XXXX credit card ending in XXXX. Please look into what credit agency or if the credit card company is responsible for this error and correct with the appropriate agency to make sure I will receive no such offers in the future. Furthermore, as of XXXX I have permanently opted out once more, via phone and mail with confirmation number XXXX. Please make sure this does not happen again.
Consumer complaint received 2021-06-10
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. (IL)

On XX/XX/XXXX, I received a copy of my credit history report from Bureau. That Report contained incorrect information reported by Credit Bureau.

I contacted the - customer service department of XXXX XXXX XXXX to request deletion of this inaccurate data from my Credit History Report. After a thorough verification with the bank I been told by one of the agent that I was never late on my account and they will correct the error. Here is my ID number I was provided by conversation over the phone XXXX. They insist that your company claims this information to be accurately reported. 


XXXX XXXX XXXX XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
This negative mark is damaging to my credit. Please remove immediately incorrect information from my credit file.
Consumer complaint received 2019-04-22
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. (TX)

My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-03-08
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-03-08
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. (MI)

As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2015-10-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NJ)

My At & T universal Credit Card/ CITI was charged with fraudulent purchases during XXXX 2015. XXXX calls were made, XXXX certified letter were sent to remedy the problem : I asked them to drop the charges, to close my account, and NOT to send A NEW CREDIT CARD. NONE OF MY REQUEST WERE ANSWERED AND A NEW CREDIT CARD WAS SENT TO MY ADDRESS which I have not received and was activated not from my phone. This credit card company may have a security breach : I had to place a credit freeze plus change all my credit cards and bank account numbers and I still have not received a letter from the AT & T credit card company stating that all my accounts at the credit card company are closed. After multiple calls and letters in the last 6 weeks no resolution has been reached and my account is still open : I want NO credit Card from them and No account with them. Please help
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Earm LLC (IN)

They called and said they are collecting for a debt with XXXX XXXX XXXX I advised I did not owe any debts with XXXX. I asked him for proof of the debt and avoided the subject and offered a settlement that was significantly lower then what he was collecting. I told him I would email back. 

I have had dealing with XXXX and I called them. They advised I had no outstanding debt with them. I gave them the date of the debt that was provided and they showed I had a loan with them 2 years after that. They also advised they would not have extended any offer of business with them with an outstanding debt. They advised me to request a validation of debt. 

I called them back and left 2 voicemails requesting a validation of debt. They stopped calling for almost 2 months. Then they started texting saying that I was ignoring them. Again I left another message requesting a validation of debt and they keep texting me saying I am being EVASIVE and they will FREEZE my accounts.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: On-Site Manager, Inc. (CT)

XX/XX/18 I was denied for my housing application because the housing background check found a case and automatically assumed I was evicted. I was never evicted the case was withdrawn and Im still being denied a roof over myself and my childs head for false information.
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Niagara Restitution Service Inc (MI)

I recieved a call from XXXX XXXX at work on XX/XX/XXXX about monies owed for XXXX XXXX I needed to pay or i will be sued. I explained I was closing on my home on XX/XX/XXXX I would pay the debt at that time. On XX/XX/XXXX XXXX XXXX called back. I called him back to settle the payment on XXXX. The payment was declined by my bank for fraudulent activity. They tried to withdraw XXXX 8 times that day. My bank canceled the card. I then started recieving threatening calls from various numbers. At this time XXXX started threatening me that a summons was being issued and I was going to be arrested at my home or place of employment and that my drivers license was being suspended. This company goes by Niagara restitution. I called purchasing power they sold the debt to a different company not Niagra Restitution. Everytime I call back regardless the number they called me on, the same person answers no secretary or automated recording. They call me every hour harassing me. This particular debt isn't on my credit report. My husband asked XXXX for a debt verification letter and she is supposed to be sending one.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I was attempting to purchase a dog from a website when I was scammed out of {$990.00} over XXXX on XX/XX/22 at XXXX and called the bank ( Chase ) at XXXX XX/XX/22 and was told there was nothing they could do. They said they would not refund my money. I then reached out to XXXX as well to let them know about their fraudulent account they allowed money to transfer to and they also said they would not help me obtain my money lost ( also contacted XX/XX/22 ). I reported the scam to the bank within 1.5 hours of it happening and provided all information on website, phone number/texts and no help was provided.