davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A BANKRUPTCY XXXX  XXXX TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. XXXX REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX  XXXX BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO XXXX UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX / TEXAS XXXX XXXX DATE OF DISCHARGE WAS XX/XX/2012 / BANKRUPTCY FILE # XXXX XXXX HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON TRANSUNION/ XXXX XXXX. 

THE TEXAS XXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS TRANSUNION/ XXXX XXXX AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH XXXX. 

XXXX REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXX OF XXXX XXXX THE XXXX  XXXX TRUSTEE.
Consumer complaint received 2017-10-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

I have sent four letters to Equifax credit dispute department started on XXXX XXXX thought out the months leading up to XXXX XXXX asking them to verified four accounts each time equifax mail me my dispute results alway say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. Equifax have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( 12 U.S. Code 5533 ) seems to be false representations and inclusion of inaccurate information this violating federal laws. Equifax is unwilling to verify any of these accounts, then under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Each letter I sent had a copy of my SS # and driving license inclosed
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I am filing an additional complaint on behalf of Case number : XXXX. I have heard back from Wells Fargo in regards to the deed in leau, but it is the same response as always. XXXX ( the home preservation specialist ) stated I need to submit the same exact documents that they already have on file and then made up additional documents that they 've never needed before. I requested that they send the ENTIRE list of documents needed in one letter so I do n't have to keep re-sending them, which I 've never received. This was all before XX/XX/XXXX and now I have heard NOTHING back from them since. I also reached out to XXXX XXXX, but she has yet reached back to me to respond.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a letter to Transunion. 
XXXX and XXXX have removed any reference to XXXX XXXX XXXX from my credit file. The certified communication was dated XXXX XXXX, 2016. As of this date TransunionXXXX has reference to XXXX XXXX XXXX on my file. I enclosed copies of my certified birth certificate, social security card and current driver 's license which indicates XXXX or XXXX XXXX AND NO MIDDLE INITIAL. Can you please help resolve this dispute? Thank you.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 convicti
ons 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 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). Experian assumed this role without permission, and you did not have my consent. My right to privacy, which is under 15 USC 1681 ( a ) ( 4 ) has been violated. 

Experian did not exercise its grave responsibility, you were unfair, you were partial. 

I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose ( No written instruction ), as per 15 USC 1681b ( a ) ( 2 ). I never instructed Experian to furnish this report and I never consented to the report.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX ( Alabama XXXX XXXX XXXX, XXXX. Removed the amount of {$580.00} for my account and added back on. I have disputed this and nothing was done. I have not received anything by mail or telephone stating I owe any thing. This should be removed.
Consumer complaint received 2016-05-20
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (IL)

I deposited XXXX $ to wrong person of Wells Fargo bank account holder as a cash.Next day i called to the bank and asked to make a hold on it or reverse my wrong deposit made to the account holder with the original transaction receipt but bank responded me as they cant able to reverse it. 

Please help me to get my money back since it is huge amount. 

NOTE : i made wrong deposit because of fake person asked me to do for part time job offer.
Consumer complaint received 2024-02-16
Product: Credit reporting 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)

The credit bureaus are publishing invalid information according to FCRA 1681 i, a, b, c, j. I am a consumer and have a right to fair reporting. If you review my credit report, you will see inaccuracies across all 3 bureaus. Each bureau is reporting inaccurate information. XXXX XXXX XXXX is reporting a " Voluntary surrender. '' This is invalid information and legally MUST be removed from my credit report. XXXX is a fraudulent account and MUST be removed from my credit bureaus. XXXX XXXX is a fraudulent account that is showing many inconsistencies and MUST be removed. XXXX XXXX XXXX is a fraudulent account must be removed. XXXX is frauduluent must be removed. XXXX XXXX XXXX XXXX XXXX is showing many inconsistencies and MUST be removed from my credit report it is in violation of FCRA rules. XXXX XXXX XXXX XXXX is also publishing false information and must be removed.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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. 


TransUnion Address : XXXX XXXX XXXX XXXX, GA XXXX CXXXX 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  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of American changed my information mailing address, contact information without informing me. They can not tell me who did it or why. They then transferred all my funds out of the account to an unknown address. fraudulent activity was occurring in this account without my knowledge. I have filed a complaint as well as a fraudulent claim with Bank Of America. They have not responded and I can not get ahold of anyone to help me resolve this issue. The lack of concern over what was done to my account is alarming to say the least. I have no even received a phone call for any kind of follow up! I filed a police report as well as a letter to B of A Headquarters.
Consumer complaint received 2017-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (CA)

I filed a dispute with XXXX for a company in XX/XX/XXXX. After XXXX investigated they informed me it was accurate and they updated my credit report to show I opened the acct in XX/XX/XXXX of this year. The collection agency is collecting for XXXX who I currently have service with and when I contacted XXXX they informed me that their system is not showing them an account being opened with them in XX/XX/XXXX with a Balance of XXXX.
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

False advertisement, deceiving and unfair business practices demonstrated by Bank of America. I intended to use balance transfer checks that I have been receiving as " as special offer '' from Bank of America. In order to use the transfer checks and transfer higher paying interest to a new lower interest credit I made a large payment to the BofA account ( XXXX ). That would allow enough limit in the credit for the transfer and to have a lower credit interest overall. Just after the payment was made, aprox. XXXX days later, I receive a letter indicating that my credit line was cut by more than 50 %. This is credit I already had no new credit I was applying for. BofA action prevented me using the transfer checks and not being able to take advantage of the advertised offer and lower my overall interest rate. I am very angry because I could have use the large payment I made to BofA ( {$16000.00} ) for other things and keep paying as I usually do. I must mention that we had this credit card for around 30 years. I could have used the money to lower other payments. Their action just not only sabotaged the balance transfer, but also, for the credit bureau, it reported the card as over 95 % use thus decreasing the my overall credit score. This action from BofA was totally deceiving, arbitrary, unfair and also, damaging.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Hello : Here is a concise summary of what has occurred. FromXX/XX/XXXX to XX/XX/XXXX I took out three student loans ( XXXX, XXXX and XXXX ) in the amount of {$25000.00}. InXX/XX/XXXX they were consolidated into one XXXX XXXX loan. In XXXX of XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order as I would not be alive much longer. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a permanent XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just months to live. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$14000.00} disbursed XX/XX/XXXX & XX/XX/XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} disbursed XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$2500.00} disbursed at various times. On XX/XX/XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.
Consumer complaint received 2015-12-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

Letter received from HRRG Collections. I called to inquire about the debt and they collected last XXXX digits of SSN and asked for my date of birth, which I would not provide and hung up. Attempted to send inquiry via XXXX and web inquiry failed. I searched online to identify the original debt and there is no authentic result. I have no record of an appointment on the date of service.
Consumer complaint received 2020-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KS)

Paid student loan payment XX/XX/2020. Requested a refund per the CARES Act. Fedloan Servicing saying it will take 60-90 days. This is unacceptable practice. See below correspondence. 

Thank you for contacting FedLoan Servicing! 

A request was submitted to refund your payment received XX/XX/2020 in the amount of {$840.00}. Please allow 60 to 90 days for the payment to be received. 

Please use the " Contact Us '' link through your online account at MyFedLoan.org to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department, which is open Monday through
Consumer complaint received 2017-07-20
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. (CA)

Hello : Here is a concise summary of what has occurred. From XX/XX/XXXX to XX/XX/XXXX I took out three student loans ( Stafford, XXXX and Perkins ) in the amount of {$25000.00}. In XX/XX/XXXXthey were consolidated into one XXXX XXXX loan. In XXXX of XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order as I would not be alive much longer. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a permanent XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just months to live. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, Stafford Loan, {$14000.00} disbursed XXXX & XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} XXXX XXXX & XXXX & XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, Perkins Loan, {$2500.00} disbursed at various times. On XX/XX/XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/2022 a fraudulent charge was made on my Bank of America VISA card in the amount of {$530.00}. 

I contacted Bank of America about this fraudulent charge and was told the charge would be taken care of in 3-5 days. Nothing happened, so a week later I contacted Bank of America again and was again told the matter would be resolved in 3-5 days. It's been over 3 weeks now and the charge remains on my credit card and I've heard nothing from Bank of America.
Consumer complaint received 2017-07-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

XXXX XXXX sold our loan to loancare we feel with out notice it was at the time of year we pay our property tax and insurance. we pay it out of our pocket we do not fiance either one of them and have for XXXX yrs. XXXX XXXX took money that was marked for escrow and applied it to principal they claimed then we sent them copy of policy for insurance paid in full on that home as again we have done every year. At same time all this going on they sell my loan to Loancare who raised my payment 50 % it was XXXX to XXXX they say because of escrow witch has been payed we have tried to resolve with no results with his company we even sent them more Escrow money that has disappeared now they say I can not prepay it. but it is part of original loan and they can not change terms and conditions of that loan says right on paperwork from XXXX XXXX  this has put tremendous strain and stress on us both financially and emotionally the loan has dropped to XXXX but should be under 1000.00 they say I have XXXX over pay in ecrow now but still want XXXX month escrow
Consumer complaint received 2017-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

We are still working on this! They want so much paper work Trying to do all we can to save our home, We have son with a serious drug problem that has us in and out Courts hospitals rehabs its been non stop we do lose work time and insurance does not cover a lot of this care when you become XXXX!! Its been very hectic with his XXXX XXXX. sorry for venting but I need too sorry. XXXX XXXX.
Consumer complaint received 2019-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

If a bank can change its fees at any time, without its customers knowledge or consent, then a bank is free to take as much money as it wishes out of its customers accounts at any time. Thats how Bank of America took {$170.00} from me. 

I have a checking account with Bank of America. I was told that there would be no fees in this account as long as there was a balance of {$2000.00}. In XX/XX/XXXX, I withdrew some funds, leaving about {$2100.00}. I made no further withdrawals until XX/XX/XXXX. For years, I had been charged no fees. Starting in XX/XX/XXXX,  Bank of America began charging me {$25.00} every month. They made this change without notifying me, and therefore without my knowledge or consent. If I had known, I would have acted to avoid these charges, probably by closing the account. I do not receive paper statements. Since I wrote no checks during XX/XX/XXXX, and I had no reason to believe that Bank of America would start taking my money without informing me, I saw no reason to look at bank statements online. As a result, I did not find out that they had taken my money until I went online on XX/XX/XXXX. By that time, Bank of America had removed {$170.00} from my account. I called Bank of America that day. In that call, the operator confirmed that Bank of America had not informed me that they would suddenly start charging fees, and she had no explanation of why the alleged fees changed in XX/XX/XXXX, but she refused to pay the money back. 

I was told that Bank of America would investigate, and I should wait for a letter with the results. The letter says no bank error occurred when assessing the Advantage Monthly Maintenance Fee on XX/XX/XXXX through XX/XX/XXXX. The letter does not even attempt to explain why there had been no monthly fee in the months before XX/XX/XXXX, or why I was not informed that this would change starting on XX/XX/XXXX. In other words, they asserted without any evidence or explanation that they were right, and refused to examine the problem. I then closed the account.