davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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. (GA)

In accordance with the fair credit reporting act XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, division of childsupport 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
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that TransUnion continues to report on my credit file : Bankruptcy Case ID # XXXX. 
I directly called the third party telephone number that is listed on my report and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX showing the date of confirmation. She also told me that there is NO inquiry from TransUnion or mode of verification from XXXX to TransUnion showing on my third party credit file. And she also stated that XXXX DID NOT verify the verification that TransUnion shows as reported on XX/XX/XXXX. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documented per our conversation. 

Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. 
I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that TransUnion so-called " verification '' on XXXX WAS NOT REPORTED BY THEM BECAUSE MY THIRD PARTY CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and TransUnion has yet to verify. 
Thank you
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV INC. (ME)

My work payroll card is through money network and I had fraudulent activity with my card of {$3600.00} I had tried calling to get back my money due to not being the one who spent it. They had me make an appeal and I did but for some reason it was denied saying there wasn't enough evidence and I was told to do a despute, so I went to the police station and reported it and made my dispute, I wrote up all the fraudulent activity and called some of the places that had made transaction with whoever took my money, they said they were from Texas, so I wrote this all in my dispute and let them know I don't even have the stuff they charged around me for instance an user eats. I faxed them all the information they asked for. This was all in XXXX and they told me it could be up to three months before I heard anything about it, well I tried calling today to see what was going on with my money and they told me I was denied again!! I don't understand why it would be denied in the first place and asked them why and they said they have no more information to give me. So what am I supposed to do? I work very hard for my money and it gets stolen and they can't or aren't willing to do anything thing to help me. This was all right before Christmas so I had no money to buy gifts and felt bad enough about that. Now they are telling me I'm not getting my money back at all, I've done everything they have asked and reported it to the police and just want my hard earned money back. Please help me out with this matter so I don't lose all faith in humanity.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (PA)

I just turned XXXX and am headed to XXXX this summer. I received an email advertising credit cards for XXXX students who obviously do not have credit history. I filled out the application for a Citi Card after much deliberation and WAS PROMPTLY DENIED. They sent me a letter telling me that the reason I was denied ws because I did not have credit history! Exactly! So they lured me in and I gave them all my personal information and then they promptly rejected my application. As if that we not bad enough, they obviously sold my information to other companies because within a month, I have started receiving junk mail and solicitations for financial services and credit card applications FOR STUDENTS WITH NO CREDIT HISTORY. I am FURIOUS that Citi Bank is snookering kids like me and then making money off of our personal data. I wrote to them and asked them delete all my information from their data base and they refused, saying I had agreed to sharing all that information when I applied for their credit card for students WITH NO CREDIT HISTORY. Do not allow them to get away with this, please!
Consumer complaint received 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (FL)

Have had issues with Caliber Home Loans from the beginning ( XX/XX/XXXX ). When a representative is finally contacted, customers are sent to different " departments '' or need to get answers from " another department ''. I contacted the company about removing PMI, as the loan to value ratio was at 75 %. I paid the {$100.00} BPO fee. after several weeks, I received a letter stating they could not access my property. The property address is XXXX XXXX XXXX, and it is just that. An island accessible only by boat, from a private citizen. I fully explained this to the company multiple times prior to this. The company then wanted me to go to a third party website for XXXX, a company that does remote appraisals/evaluations. After several unsuccessful attempts to do that, I again contacted Caliber, and asked the representative to email me specific instructions for the process, and was told they don't email. Yet I get emails from Caliber regularly wanting me to refinance. This process has been going on since XX/XX/XXXX. I've spoken to no less than 6 people about this, including supervisors, who have promised to get answers and get back to me. No call has ever been returned from this company. Out of sheer frustration and disgust, I refinanced the property with another company. I have still not received the refund of the BPO fee. The company has notified me in writing, as well as several times on the phone, that they will refund the BPO fee, yet nobody can figure out " where it is '' to refund it. I'm tired of the 6 month runaround over {$100.00}. The company refuses to take any action, I hope this agency can help. Thank You
Consumer complaint received 2017-04-12
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Chaplain Financial Services LLC (TN)

Caller did not ask to speak to anyone. Said they were Process serves and if I did not call back immediately, they would send some one to my work place and serve my Human Resources personnel. 

I call back and they were looking for someone else. 

Company said they were Chaplain Financial and phone # is XXXX
Consumer complaint received 2017-06-12
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: Bread Financial Holdings, Inc. (FL)

My credit card  with Comenity/  XXXX   XXXX  was used at  XXXX   XXXX    XXXX    XXXX  on  XXXX   XXXX ,    2016 by  someone other than me. They told me that it is actually  XXXX  charges made one right after the other on the card and then shown on the card as  XXXX  charge for {$140.00}. I notified Comenity about this and was told they would investigate. Several weeks later I received a letter saying that they investigated and feel that the charge is mine and I will be continued to be billed for it. I called and talked to them at length about how I was not in  XXXX   XXXX   XXXX   XXXX  ever and did not make any charges. I also explained that I was in   XXXX   that day  (  same shopping center ) and bought something and as always in  XXXX , your card never goes thru the first time and you have to run it again. This was the second time this happened to me in  XXXX  and the first time, there were charges on my card from  XXXX   XXXX  area directly after I used my card in  XXXX   XXXX  FL. I was n't  XXXX  places at the same time  XXXX  miles apart! The credit card used that time took care of the problem. Comenity said they would investigate again. I received a letter saying that they feel this is my charge and would not remove it from my credit card. I have no idea how they can insist that I used a card in a business that I have never been in. Nor how they can explain that  XXXX  chgs made one after the other became  XXXX  charge on my card! I want copies of receipts for these " purchases '' and want to see who signed them. There has been fraud committed and at this time, I 'm not sure it was not done within Comenity by an employee, seeing they are unwilling to prove to me that I actually obtained this credit.
Consumer complaint received 2017-04-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (GA)

In XX/XX/XXXX, SLS ( Specialized Loan Servicing LLC ) became my mortgage loan servicing company. They sent out an information letter concerning the PMI ( Private Mortgage Insurance ) that was required by my loan. The document contained the steps necessary to have PMI deleted from my loan. I was in compliance with all the necessary steps that the SLS/Mortgage Company has requested and on XX/XX/XXXX I sent a written request to have my PMI deleted. To date, I have yet to receive any written answers to this request. On XX/XX/XXXX I called SLS and had a phone conversation with several representatives of SLS, including a Executive Service Representative, who indicated that my request had been denied. I requested a written response that stated this denial decision and why but have yet to receive an answer. During that phone conversation, I also requested a copy of the Mortgage companies PMI deletion requirements. I followed up this verbal request with a written request on XX/XX/XXXX To date I have not received any of the above requested information. On XX/XX/XXXX, I again sent a letter requesting PMI deletion and included a copy of the appraisal I had done for this property, which clearly shows my LTV ( loan to value ) under 70 %. The only written correspondence I have from SLS is a form letter telling me that my request in under review. The letter was dated XX/XX/XXXX.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (KY)

I opened an account with US Bank on XX/XX/XXXX. 
I received a separate series of emails today with a different application number and account. 

We received your application on XX/XX/2022. Your application ID is XXXX. 
Email received Tue, XX/XX/XXXX, XXXX PM ( 7 days ago ) Your U.S. Bank Easy Checking application was approved. 

Email received XXXX PM ( XXXX hours ago ) Thank you for applying for a U.S. Bank Easy Checking Account. 
We received your application on XX/XX/2022. Your application ID is. 

Were in the process of reviewing your application and will notify you as soon as its complete. If you didnt authorize this request, please call us right away Seperate email XXXX PM ( XXXX hours ago ) Application ID : XXXX
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom this may concern. 
I have on multiple occasions attempted to file disputes by phone with Transunion regarding multiple hard inquiries on my Transunion credit report. Each time that I have attempted to file a dispute I am being told that I have to contact the creditors to have the inquiries removed. When I contact the creditors they advise me that I have to dispute them with the credit reporting agency. Transunion representatives will not allow me to file a dispute regarding the hard inquires that I did not authorize. This is an unfair practice and it is affecting my credit negatively and that is the reason for me filing this complaint. The inquires are not authorized by me or a result of me requesting credit, insurance or employment or the result of a court order and I want them removed. Immediately. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (KY)

Along with this, they have sent various letters after making online payments stating that the bank has denied the payment and returned it. I check my bank account various times during the day and not once has it showed a return payment or any type of nsf fee charges due to such. I talked to Midland credit about this and the response was that the letter is automatically generated due to not having recurring payments set up in order to pay the account.They have also stated that if not paid they would take it to court, I have tried to settle the debt, I agreed to go online by the end of month and pay XXXX each month.
Consumer complaint received 2021-01-19
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)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I do not have ANY LOANS WITH XXXX. 
yet Transunion keeps updating my credit report with the same inaccurate information. XXXX negative accounts I am NOT 120 days late on any loan through XXXX. Contacted them via phone and no record was found. Even through FEDERAL LOAN HISTORY WEBSITE. XXXX there is no current balance due or no past due balance.
Consumer complaint received 2017-04-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

I have repeatedly asked Key Bank to close an account. They never did. They claim they did yet they continue to transfer funds from the account to other accounts at the Bank and they honored an auto payment that I overlooked and did not re-directed to my new bank. If my account was closed as I instructed them, the transaction should have been rejected. 
They in fact claim they re-opened the account to make the payment from an account witch had no money in it. The payment caused the account to overdraw and then they charged me a fee. This has happened repeatedly despite my repeatedly asked them to stop this practice and close the account. They refuse.
Consumer complaint received 2018-03-22
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: ENOVA INTERNATIONAL, INC. (GA)

I received an email date XX/XX/2018 from XXXX XXXX XXXX XXXX, ( located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX Illinois ) indicating that they had received my application for a line of credit from them ( for which I did not apply. ) I called to tell them that I had not applied for such line of credit. They informed me that the application was actually submitted by XXXX. I asked for contact information for this company and was placed on hold. The customer support person said she would consult with her Manager XXXX and get back to me. They never did. I called again this morning and spoke to XXXX and got the same response. I need to know who is applying for credit in my name without my permission.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

Chase bank is closing my private client account on XX/XX/22 and they sent a letter to the person I added on this account but never sent me a letter. I called them, they said I had to be transferred to the compliance department. The compliance department told me they are closing my XXXX XXXX checking account number ending in XXXX. They told me the reason is confidential, they will not tell me, there will not be a review and it will not be overturned, and I am not allowed to open another Chase account again. However, it only seems to affect this account. I have another account ending in XXXX that they are not closing, at least up until now, and I have an investment account they are not closing. The compliance department said none of my other accounts have a closure notification. They mentioned it's possibly related to the person I added to my account. She no longer has a Chase bank account but she once did, however, she still has a Chase credit card. I want the reason for the closure because I may be forced to file a lawsuit if it's for unjust reasons.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Main Street Personal Finance (MS)

I had a payday loan onXX/XX/XXXX for {$300.00} to be paid on XX/XX/XXXX Check was need sent to my bank. I called the company to take the check to my bank. Check as never been sent to my bank. The company than my account to collection, which than they my account to third collection company. I paid them XXXX to them on XX/XX/XXXX. 
The payment has never been give to the payday loan company. They have owing this money. Third party collection company will not return my calls. I have my Mastercard to verify all of my payment. No one can tell me after two year no money has been to my account.
Consumer complaint received 2017-04-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CA)

I was charged {$70.00} in NSF fees by Wells Fargo. These charges were for XXXX debit card transactions that Wells Fargo paid. I declined the 'courtesy pay ' service when I opened the account, but was Wells Fargo opted to pay the debit card charges and assess me XXXX fees. Actual charges were XXXX, Wells Fargo paid it, then charged me XXXX, the other charge was XXXX and Wells paid it, then charged me XXXX. They declined to refund the money even though they verified I am NOT enrolled in " courtesy pay ''.
Consumer complaint received 2017-04-11
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FIRST HERITAGE CREDIT LLC (AL)

I am being called multiple times per day, from both the office and from personal cell phones of employees in the office. They are also sending text messages telling me to call them. I have advised them of medical issues I have that are currently preventing me from working, and I was advised that they were going to sue me in court, garnish my wages, and take personal property that was used as collateral.
Consumer complaint received 2024-01-27
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: Experian Information Solutions Inc. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these accounts ( A ). It is not permissible to fail to block these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX