davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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. (TN)

In accordance with the Fair Credit Reporting act 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.

Pursuit of 18 USC 8, i owe no debt. These companies below are violating my consumer right to privacy pursuit to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my info pursuit 15USC 1681 4. 



XXXX XXXX XXXX Original creditor : XXXX XXXX {$570.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$320.00} XXXX XXXX XXXX Original creditor : AT T {$2700.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$510.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX {$1500.00}
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (SC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NH)

HI CCS CREDIT COLLECTIONS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I received a refund check from Synchrony Bank for the amount of {$750.00}. I have been trying to get the check reissued as the check is expired. It has been since XX/XX/21 that Ive been trying to get a check reissued to me. I have spoken to 4 different representatives. I have a reference code ( XXXX ) and have addressed supervisors during each call. I keep being told that it takes 10-15 days for the check to be reissued. Its been months. I still have the check. I offered to mail it back. They have admitted that I have not received the funds or cashed the check.
Consumer complaint received 2019-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I wrote Enhanced Recovery telling them to prove that this account belongs to me. I ask for proof. Something with my signature on it etc. Enhanced Recovery sent me a phone bill with the name XXXX XXXX on it. THIS IS NOT PROOF. I want something with my signature on it. If they can't provide this to me, I WANT THIS REMOVED off my credit reports asap. I'm giving them 32 days to remove this.
Consumer complaint received 2018-11-26
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. (FL)

TransUnion is reporting a duplicate credit card account on my credit report. 
It is a XXXX XXXX credit card dated XX/XX/XXXX. I already had a XXXX XXXX account that was opened in XXXX. 

I have contacted TransUnion, XXXX, XXXX, and XXXX to have this XX/XX/XXXX XXXX XXXX account deleted from all of my credit reports. Only XXXX credit bureau has deleted it from my credit report.
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Freedom Mortgage ( FM ) mishandled my escrow account : In XX/XX/XXXX, FMrecorded & paid wrong amount for my homeowners insurance from escrow. Paid {$2700.00} to XXXX XXXX XXXX XXXX for my homeowners insurance from escrow acct ; correct amount due was {$1.00} XXXX. I caught the error in XX/XX/XXXX & contacted XXXX to fix it. They transmitted the correct policy amount to Freedom Mortgage of {$1900.00} & reimbursed me {$790.00}. In XX/XX/XXXX, FM sends annual escrow statement and it contains erroneous {$2700.00} payment used to calculate new mortgage payment. As a result, my monthly mortgage payment increases by {$140.00} as they believe there is a shortage. I contacted FM by email & direct message on XX/XX/XXXX of the error & please fix it as it caused my payment to go up effective XX/XX/XXXX. Received a reply it will be researched & reply by XX/XX/XXXX. Never heard back. On XX/XX/XXXX I called & was getting run around saying can't get answer til do another escrow analysis & now it's XX/XX/XXXX for next reply. I stated that was unacceptable as my next mortgage payment is due before then. Please give me to supervisor. Put me on hold for Escalation Dept and was on hold XXXX min when they disconnected my call!! I had to call back & go thru whole thing again. Was on hold another XXXX minutes before got to Escalation Dept. She tried to tell me I was wrong & we went back & forth until she brought the insurance department into call. Took another XXXX minutes explaining the error to them & finally they offered to request new escrow analysis on XX/XX/XXXX. I asked if that will be in time to be reflected in my XXXX payment & she couldn't say... I asked if I would be contacted of the results & she said I can just keep checking the website to see if it shows up and eventually will receive notification by mail. I was on phone from XXXX am - XXXX!! This is a recurring them with FM.. can't get someone to help that's knowledgeable, get a different answer each time you call, promises to reply by specific date go unanswered, employees try to tell you you're wrong & just wait it'll get fixed, no offer to provide a dedicated phone number for help when the problem doesn't get fixed by date indicated, no apology for the error, shouldn't take that long to correct an account error, no urgency or concern that my mortgage payment increases by {$140.00} a month because of THEIR mistake & no urgency to fix it!!! This company needs serious oversight & to be audited by investors XXXX XXXX and XXXX XXXX
Consumer complaint received 2015-09-21
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am currently a consumer of Bank of America past 26 years. I am filing a XXXX complaint in regards to Bank of America who forced an escrow account onto my mortgage loan, claims that I did not send them property taxes information. Now, my monthly loan payments will increase from {$470.00} a month to over {$1000.00} to cover the escrow amounts. I have never been late on the monthly loan payments ( 16 years ) and have made ever attempt to resolve this issue via certified mail and also by phone. Bank of America have not resolve the issue ( s ) nor or they willing to assist me in remaining current with my monthly loan payments.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/XXXX around that time, I had a disagreement with my ex and he stole my bank of America debit card and deposited a fake check into my account which the money never went through everything was canceled by the owner of the check I'm guessing. My account was closed for something I didn't do and for something I was not aware of and I want to clear my name
Consumer complaint received 2022-01-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc. (WI)

I got a consumer loan for new windows through Aqua Finance. I got behind on payments last summer and made up for late payments in XXXX. In fact, I made over {$3000.00} in payments in XXXX alone. When I continued to go back online to my account to look for a new billing statement - I was rather confused as to why there had not been a new billing statement posted since the beginning of XXXX. Regardless of late payments, I needed to see a current billing statement to see where I was with balances. When I realized they had not posted a new one in months, I wrote to them first week of XXXX to inquire. I received a reply that they " don't do that '' on accounts in arrears. I demanded a current statement to ensure my {$3500.00} in payments is being properly credited. They stopped responding to me. I wrote again today and inquired why I STILL have not received one nor is there one posted on my account. Still nothing.
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMARY RESIDENTIAL MORTGAGE (TX)

I received a mortgage from Primary Mortgage Residential, Inc sometime in XX/XX/2015. I made my first mortgage payment a couple of weeks latter which was not due until XX/XX/XXXX. They never applied the payment to my account. I noticed this 1 month after making the payment and asked them what happened and they said it will be applied. They sold the mortgage to XXXX XXXX and I still do not see the payment applied to my account. 

I do n't know where my money is and why it has not been applied.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

Experian, XXXX, & XXXX will not mail me a file disclosure of my credit report. After forwarding certified letters over the past several months, I am being rejected to view my report.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I bought a used car a year ago from a dealership, returned the car within a week due to it being a write off and false information, XXXX  XXXX XXXX was the company who loaned the money, I contacted XXXX  XXXX to let them know I dont have the vehicle and its returned. They assured me it would be off my credit report once the dealership sends a check back to them, its been a year and Ive contacted them a dozen times, between emails and phone calls, I tried to contact them the last few weeks and they have now blocked my email address from sending emails. They are on my credit report and I can not secure a mortgage and its affecting my credit score.
Consumer complaint received 2021-05-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (MO)

I applied for credit ( through a service provider financing program ) on XX/XX/2021. 

I called the company on XX/XX/2021 to report that I had not received any further information regarding my newly opened account ( ie : terms/ conditions, payment schedule, etc. ). 

They told me that the USPS had returned my info packet as " no such address ''. I reconfirmed that my address was correct and was told a new packet would be sent. 


On XX/XX/2021 I called the company again to report that I had still not received anything in the mail from them. I was told that I had a late fee for non-payment. I refused to accept being charge a late fee. I asked for my account number so I could send a payment anyway, and was told they could not give me my account number. 

On XX/XX/2021 I wrote the company a letter explaining the problemthat they will not send me information about a loan they approved, so that I can pay it and today is XX/XX/2021 and I still have heard or received NOTHING from this company.
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (AR)

- I closed on my mortgage with Dovenmuhle Mortgage and paid in full on XX/XX/XXXX. 
- I had a significant remaining balance in my escrow account. 
- I waited until mid-XXXX for the refund check and it never arrived. I called Dovenmuhle in mid-XXXX, and they said they weren't sure why the check wasn't sent but promised to send. Waiting customary 2 weeks processing and 7-10 business days for delivery. 
- I waited until XX/XX/XXXX and called back. The check was never sent. They said I couldn't update my new address over the phone and had to email over a signed document asking for an updated mailing address. They asked that I wait 2 more days and call back to have the check re-sent. I asked for it to be overnighted and they agreed. 
- Called on XX/XX/XXXX and they initially said they never received the email. I resent from two different email addresses and eventually said they found it ( not sure if original or 2nd attempt ). I asked for it to be overnighted and the rep said she needed manager approval, who was in a meeting and said he'd call me back. Manager called back and left a message saying the check would be processed within 2 weeks and then mailed. 
- I called back and was told there was no way to overnight it. Asked for the manager and was put on hold for 20 minutes. 
- I called back and had to go through entire thing again, asking for a manager. Was put on hold for 10 minutes and went to the automated survey and I was disconnected. 

- I am waaaayyyy past the 20 day window for refund of escrow funds, and this entire process is unacceptable to illegally hold on to my money like this.
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CT)

In XXXX I needed to file for bankruptcy. This was due to a hardship and fell behind a couple of months during my loan with XXXX. On XX/XX/XXXX, I had the bankruptcy discharge in the amount of {$33000.00}. The amount included my late payments, lender fees, attorney fees and interest ( Attachment 4 ). 

Sometime at the end of XXXX, XXXX sold my loan to XXXX. When XXXX received my loan and I started to get mortgage statements, they wanted to charge me interest for 1172 days delinquent in the amount of {$92000.00}. Since I had made every payment during and after the bankruptcy, I questioned them about this ( also contacting my bankruptcy attorney ) to find out why I was charged interest during the bankruptcy period. ( See Attachment 1 ) On XXXX XXXX, XXXX I received a breakdown of payment history that included {$410000.00} of delinquent interest. After contacting my bankruptcy attorney, I was told that they could not charge me interest during my bankruptcy payback period since my regular mortgages were paid on time. 

At this time I owed approximately $ XXXX on my mortgage. When XXXX sold to XXXX the amount owed on the mortgage went to {$260000.00}. I contacted the Department of Banking. I was told XXXX informed them I did not have hazard insurance, even though I did, and that is what the fees were for. DoB informed me that XXXX had a lawsuit for just this issue, which I knew, and had actually filed a suit with ( Attachment 2 ) was provided proof of this, and in XXXX of XXXX I received a statement saying I now owed XXXX, not XXXX. Some improvement - but still not correct. 

XXXX then had me sign a HAMP for $ XXXX because if I did not, my payments of $ XXXX would go to over $ XXXX. 

Then XXXX was bought my Mr. Cooper in early XXXX. In XXXX of XXXX I received my first statement with additional Lender Fees of {$22000.00} ( Attachment 5 ). 

I have been asking for over 3 years for a breakdown of these " Lender Fees '' and sending documents of everything they have asked of me - multiple times. 

I even inquired about refinancing with Mr. Cooper, and ironically,, they said they would drop the $ XXXX but my payments would only decrease by $ XXXX. 

I decided to go with someone else, and ironically, after another mortgage company asked for a payoff amount in XX/XX/XXXX, I received notification on XXXX XXXX that they are selling my mortgage to XXXX XXXX XXXX XXXX. 

I am at my wits end. I can not get a straight answer and nothing is adding up. Please help.
Consumer complaint received 2022-01-21
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. (AL)

This complaint is to get assistance with the credit reporting agencies that are not resolving the issues of my credit file. I mailed out letters to show claim of my identity theft or claim of accounts listed on my file without my knowledge. They have yet to respond with a valid response per consumer law 15 USC 1692 ( g ) Validation Debts. I am requesting since the CFPB is the government and the credit reporting agencies are not just a company to please require them to follow the law. I will not validate the accounts I have requested to be removed or corrected because they are not mine or are closed and the inaccuracy needs to be corrected.
Consumer complaint received 2021-05-12
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. (CO)

This complaint is about the 2 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2022-01-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FB FINANCIAL CORPORATION (CA)

My household was impacted by XXXX, the forbearance period has ended but my financial hardship has not. My mortgage is currently past due. I contacted a HUD approved financial advisor and was advised of the CA Mortgage Assistance Program. I completed the CA Mortgage Assistance application on XX/XX/21, my application is on hold due to my Mortgage servicer not being a Program Participant. Applications can only remain on hold for 30 days. I notified my servicer First Bank and XXXX of this notice and requested their participation via telephone and website email. XXXX has failed to have a process in place that reviews current grants available to their mortgagees affected by XXXX. I have gotten transferred back and forth from the loss mitigation department and customer service with no resolution. I have been told that there is not a dept. or person that can assist me with my Mortgage Servicer becoming a participant. I am concerned that my application will be denied do to lack of participation from the Mortgage Servicer.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (SC)

I had a {$10.00} referal bonus from chime that is due to expire XX/XX/2022. As well as four chime friends sent me boost at {$5.00} per person due to expire on XX/XX/2022. I've met the requirements of recieving {$200.00} or more per month in direct deposit from my employer. I've spoke with customer service directly as well as sent several emails to XXXX to seek these perks being replaced and a explanation as to why they were even removed before they are due to expire. I was told it could be up to 48 hours for a response and it has been now 48 hours and I have yet to get a response
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Google Compare Credit Cards Inc. (CA)

I went to buy a new phone from google fi. I wanted to finance the purchase, so i applied for credit. I was approved. I recieved a store card after a few weeks. When i went to use the card to make the purchase, it says the card can not be used. I contacted support. they said the card can not be used to purchase a google fi phone.
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NM)

We are receiving repeated calls from XXXX XXXX at Transworld Collections. We do not owe anyone money. These calls are harassing and occurs 1-2 times per-day. We know this is a scam. Our credit rating is very high and our debt not in question. 

Thank you for your assistance.