davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-08-05
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. (MO)

XXXX violated my rights Under 15 USC 1681 a number XXXX. XXXX assumed this role without permission not only that you did not have my consent. 
Under 15 USC 1681 a number 4. I did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy.

already filed a CFPB report and an attorney general 's complaint. I can give you the CFPB report. ( File the CFPB report a few minutes before calling ). 
You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place.
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CT)

I was charged interest of {$8.00} because I entered the wrong amount when paying by bill. On a {$1400.00} balance I was short {$2.00}, but I was charged interest on the whole balance of XXXX. Thats a .14 % short, yet I was charged interest on 99.86 % the money that they were already paid. If its such a big deal that they have to charge me interest on that, then they should have contacted me saying the need the {$2.00} more. I contacted them and they said they would credit me, but there is no credit to my account. Two different people said I would be credited back, but its still not showing back on my account.
Consumer complaint received 2020-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

As of XX/XX/2020 my mortgage has increase by {$120.00}. I have contacted myloancare a few times trying to get a better understanding of my escrow information. No representative has been able to give me a full detail breakdown of why this has occurred other then saying " unfortunately I do not have any additional information ''. I know my insurance and taxes went up monthly together a total of {$51.00} estimate but that still leaves an estimate of {$77.00} unaccounted for that they are unable to tell me why. A representative told me is a miscalculation from previous year ... .how can that be if this is only my second year. What are they comparing the shortage of {$77.00} a month too? They are unable to justify the huge increase of {$77.00} shortage a month that has been added to my mortgage.
Consumer complaint received 2021-07-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding/Resurgent XXXX XXXX XXXX XXXX, SC XXXX Resurgent XXXX XXXX XXXX XXXX, MI XXXX LVNV Funding/ Resurgent Account Number : XXXX These are apparently the same company. They both filed two times on my credit report claiming I own " care. '' {$960.00} This action originally occurred in XX/XX/XXXX. They placed it with " collections ' on my credit report. They never complied with the law and validated any information and alleged debt with me. I continued to try and make contact with them via phone and via mail, with negative results. They will not communicate with me. In XX/XX/XXXX They placed this on my credit AGAIN via collections without my knowledge. They stated this account was opened in XXXX of XXXX. This is Clearly Not True. I have not opened any accounts for years. I am continuing tryin to make contact with both these " companies '' but fail every time. They will not communicate with me. When I asked them for validation, they never replied. They just took it upon themselves and placed it for collections on my credit report. This has been so frustrating to me. I have had all credit bureaus make contact with them and they claim these companies allegations were true. They are not. How can I fix this. They are making my credit report terrible and I do not owe what they are saying on my report. They are falsely claiming I opened this account in XX/XX/XXXX when originally they claim I opened this account XXXX. I need some help please. Thank you They are clearly scams to get money from me.
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NV)

Dear CFPB staff : I paid the statement balance {$2600.00} on XX/XX/XXXX to my Citibank XXXX XXXX XXXX XXXX account. However, I received an email from Citicards that reduces my payment to {$210.00} on XX/XX/XXXX. My bank account shows that both charges of {$2600.00} and {$210.00} were post on XX/XX/XXXX. I called Citicard and asked why you reduce my payment without my authorization. They agree to refund {$210.00} to my bank account. 

I ask the Citicard customer service to stop this illegal practice to reduce customer payment and charge high interest for outstanding balance without customer permission. 

I report to CFPB to investigate how many customers are victiums of this illegal practice. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NV XXXX
Consumer complaint received 2021-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (GA)

I contacted SN SERVICING CORP in XX/XX/2021 after discovering the error concerning my Mortgage terms on the amount of years and the principal balance. 

I received the SN Servicing response on XX/XX/2021, SN Servicing agreed with my concerns and stated that their records indicated that my mortgage balance was {$74000.00}. 

However, when i requested a payoff up to XX/XX/2021, the customer service rep immediately got flustered and place me on hold for an extended period of Time, when she returned to the phone she stated my balance was over $ XXXX
Consumer complaint received 2019-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

This is a continuation Phase II for Specialized Loan Servicing ( SLS ). My first reference complaint # XXXX where documents were submitted for review. 

On XX/XX/XXXX, SLS admitted to making and error concerning an overpayment of an imposed Hazard Insurance with inflated interest and late fees. SLS has the refund check that they refunded back to me in the amount of {$1100.00}. I was told Customer Resolution in Loss Mitigation at XXXX XXXX XXXX ( exhibit # 1 ) and he stated that {$1100.00} was applied to me escrow account number XXXX. XXXX said that SLS would apply XX/XX/XXXX credit of {$230.00}. Then there would be a credit balance of {$570.00} which would be applied to XX/XX/XXXX mortgage payment leaving a balance due of {$46.00}. I called and had {$140.00} reapplied according to the agreement made to clear up all monies due. I personally am not in agreement that I owe SLS any back payments since they finally admitted to the error. Per agreement I sent {$140.00} on XX/XX/XXXX ( exhibit 2 ) titled reapplying mortgage account to release the monies out of my escrow account. They accepted my payment and then turned around and took it agreement off the table. SLS sent me a notice of Intent to Foreclose on XX/XX/XXXX ( exhibit 3 ) stating that I owe {$1300.00}. SLS continues to stress me out causing my XXXX ( XXXX ) by trying to foreclose on my home after they made the agreement on XX/XX/XXXX. I am a XXXX point Veteran suffering with ( XXXX ) and a credit score below 500 because of SLS. Upon sending the Notice of Intent taking the original agreement off the table I paid {$700.00} via telephone on XX/XX/XXXX ( exhibit 4 ) for XX/XX/XXXX mortgage payment. I have been battling with SLS for almost 3 years. I could not afford to pay SLS {$970.00} for 12 months. They keep stating that they don't have any documentation from me to justify all this harassment which is not true. I've sent countless documents to ( XXXX ) and ( XXXX ). I continued thru out this battle to pay {$690.00} which is my mortgage monthly amount before they forced Hazard Insurance ( {$810.00} ) on me erroneously. Then the federal shutdown happened. Now my XXXX statement reads that I owe SLS {$1900.00} ( exhibit 5 ). I never had a problem for over 20 years with XXXX  XXXX XXXX before they sold me account to SLS. As I have stated before that SLS has no disregard for mortgages and finances of people. How does Consumer Finance continue to let SLS throw us out in the street and treat us like dogs? There are countless website testimonies about how SLS operates. Does the same people that continue to harass me take our homes for resale value and profit from forcing us out in the streets and messing up our credit scores so that we won't ever be able to buy again with bankruptcy for 7 to  10 years? 
Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2018-06-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WA)

My mother died on XX/XX/XXXX, and had what appears to be a predatory loan ( designed to fail ) with Wells Fargo Bank, which I thought was for a motor home purchased in XX/XX/XXXX, and would soon be paid in full. Even after providing Wells Fargo with my mothers Death Certificate, the Probate papers appointing me as the person of interest ( executor ) of her estate, and Durable Power of Attorney, Wells Fargo has been defiant at providing me copies of the complete loan papers, including moms signature and the Notary stamp/signature and dates. I have been requesting these papers since XX/XX/XXXX ; and Wells Fargo has promised them 1st on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, and lastly on XX/XX/XXXX -- - all of which have passed with no loan papers being provided. 
This loan was supposedly originated on XX/XX/XXXX in the amount of $ XXXX@ 8.75 % ( variable XXXX + the XXXX XXXX   Offered Rate thru-a maximum of 14.750 % ) interest and on a 30 year Home Equity Contract ( home assessed value in XX/XX/XXXX of : {$71000.00}, or 104 % of the home 's assessed value ). At the time, my mother was XXXX years old, and receiving Social Security and a small pension, totaling about $ 1500/mo. The loan payments ( {$680.00} per month ) equaled about 47 % of her monthly income, would have matured when she was XXXX yrs old. 
Through the Probate attorney, I acquired a copy of the Deed of Trust, and through that, it appears the loan : ( 1 ) originated on XX/XX/XXXX, and ( 2 ) Was signed, but not dated by my mom on page 18, and witness signature spaces are blank ; ( 3 ) Was Notarized on page 19 XX/XX/XXXX ; ( 4 ) The Variable Interest rider is on pages 20-22 ; ( 5 ) Mom signed again on page 23, but again not dated, and no witnesses.

( 6 ) A Rider titled : 1-4 Family Rider is on pages 25-26 of the Deed of Trust, with no signature or Notary following.

( 7 ) The Deed of Trust is dated XX/XX/XXXX at XXXX XXXX, and cites 26 pages. The Deed of Trust, in fact, is actually 29 pages long. ( The three additional pages are court documents placing liens on her property. ) ( 8 ) XXXX XXXX XXXX XXXX is listed on the Deed of Trust ( Escrow? ). 
( 9 ) XXXX XXXX XXXX, XXXX is listed as Trustee of the Loan After 12 years of payments on this supposed loan, my mother still owed {$62000.00}, and had paid approximately {$100000.00} on it, and was then XXXX years old ( with 18 years left on the contract ), when she passed away. There is no indication that she purchased, or paid for, anything near this amount in this time frame -- - she basically lived a paupers life ( I sent her groceries and supplies ). 
Please help or advise, XXXX XXXX XXXX ( for XXXX XXXX, dcd )
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be. u have not been able to get help from them for weeks. but i just remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used Paypal quite frequently. my email linked to my Paypal is XXXX XXXX
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

Bluebird Pre Pay Card American Express I was charged for a purchase made on XX/XX/2021 that was fraudulently charged and debited from my account in the amount of {$420.00} I immediately called Bluebird fraud department XXXX and a dispute was made that same day. 

I received an email from them stating that based upon their investigation they have determined that no error occurred and that the transaction in question was authorized. 
Therefore, the transaction is NOT eligible for credit to your account. 

I called them and was told that the investigation is closed and that I have to open another one. I advised them that I want proof, documents, name and contact information on the creditor. I was advised that they didn't have the information and that I had to WRITE a letter to Bluebird Customer Care which I did and informed them that this issue is to be resolved and my {$420.00} refunded back to me.

This is FRAUD and their decision is unacceptable and want answers. 

Thank you
Consumer complaint received 2024-02-19
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. (CA)

I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2022, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 7 Inquires on my credit that is not approved by me It is affecting my credit. I was a person that was a victim of the inquiry issue with TransUnion. These were misreported inquires. I called in a few times and spoke to Customer services but I was more like I was Irritating and just a waste of their time. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Delaware XX/XX/XXXX XXXX Mortgage XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX-over charged on account {$300.00} to {$400.00}! 

AARP CHASE BANK-over charged {$1900.00} for dentures I do not have in my mouth, nor in my possession, and Ihave not received cost-benefit/effectiveness!
Consumer complaint received 2020-06-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Recovery Solutions of Ohio, Inc. (OH)

Debt Recovery Solutions Inc. has placed SIX medical collection accounts on my credit report and additionally has sued me in court ( its still being litigated ) at the time of this complaint, prior to even notifying me of any such debts to give me the opportunity to dispute them. I have exhausted every option I have to tell these people these are NOT my debts. I have repeatedly via email/phone calls/open court/mediation, asked them to supply me with something tangible that these debts are MINE. They decline to provide any such documentation. All they have provided me with are invoices of a hospital bill for someone with my name and the  invoice is for XXXX dollars. I have contacted the alleged original creditor ( s ) all of whom say I have no outstanding debt with them. These debts are 6 and some 7 years old. I was unaware of these debts until being sued in court. I have worked with these people to prove this debt is not mine. They are the ones trying to collect seven year old debts, the burden of proof should be on them. I am innocent until proven guilty, and the are offering no evidence of my guilt. I have only the copies of the bills that were given to me in court. Prior to that Ive never received a bill/statement, nothing from this company!
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX XXXX ( Original Creditor : XXXX ) account # XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) account # XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-10-02
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. (NV)

I was not advised nor did I allow the bankruptcy information to be added to my Experian credit report. 
603 Define adverse action Adverse actions '' include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by Section 603 ( k ) of the FCRA Adding a bankruptcy to a consumers report is and should be considered an adverse action due to its negative impact.

604 ( 1 ) ( C ) ( 1 ) Users Must Notify Consumers when adverse actions are taken.

615 ( a ) requires the user to notify the consumer.

Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada  was the furnisher of the information. When in fact a third-party XXXXs ( information reseller ) is the furnisher of the information. The US Bankruptcy Court of  Nevada  does not solicit or give information to third party companies ( Proven by Letter ) Your company has also admitted to the use of a third-party company via correspondence. 
Your companys interaction with an information gathering company has also been proven by XXXX. 
XXXX confirms that they retain information mainly from public record on the XXXX company website page About Us. 
The public record from the US Bankruptcy Court of Nevada is also heavily redacted, thus making identification virtually impossible or extremely difficult. 
Definitions : Furnisher A Person or Entity to provide what is necessary for an activity or purpose. 
Identity Theft The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 

Your company failed to respond satisfactory within 30 days. 

Your company has repeatedly verified without yielding proof of verification. 

Your company has failed to reply to letter asking for proof of owner verification. 

Your company has failed to sign for the receipt of second letter asking for proof of owner verification. 

Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There are several closed accounts on my XXXX, XXXX, and Transunion credit report that are extremely outdated and need to be corrected by being removed. Also XXXX, XXXX, and Transunion are reporting unverified information on my reports.