davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute information with transunion for more than 3 months. I have sent letters without any feedback and I have tried to process disputes over the web, but was denied, I even gave up for two months to see what would happened, and exactly as I thought nothing did, Finally I got frustrated and called again. I called and was transferred at least 6 times to different representatives. Each time I 'm told I must speak to someone in the special fraud department. As you can imagine I became very alarmed, but could n't get any help or any answers. Each representative required the same information my name social security number, date of birth and address. I was very upset to continue to provide my personal and confidential information to each of these employees but i wanted to get the matter resolved. Finally i was told i would be transferred to the final department and that they would most certainly be able to help me. The call went to voice mail. I got a call the next day at XXXX, I was at work. The caller, who failed to identify herself advised that I can call back and speak to any rep and that they would be able to help me. That was n't true once again I was transferred 4-5 more times until I got to XXXX. I explained to XXXX that I wanted the information on the XXXX XXXX account that says i was disputing the card to be removed, that I had previously request in XXXX 2015 that the fraud alert be removed from my credit file and that I had inquires on my credit report I did n't authorized and should be there.. i explained that was XXXX the reason I put these alerts on my account in the 1st place. XXXX then advised that she could remove the AID from the XXXX XXXX account and can remove the fraud complaint but for the inquires I would have to contact the different companies provide them my personal information so that they can write me a letter that I can then send to Transunion to remove the inquires. I advised I do n't want to provide the creditors my details that they should n't be there in the 1st place. That I had requested that my account be protected and Transunion failed to follow through. I requested that the inquires XXXX ( XXXX inquries ), XXXX Bank, XXXX XXXX, and XXXX mortgage. XXXX advised that she would not issue the investiagtion that that the information she provided was my only option. I explained no other creditor has requested this process to which there was no response. I advised I would file a dispute to which she replied ok. This process is unfair and i feel the actions of this company is punitive. They wont allow web access to my report and the fact that some special fraud department is the only department that can help me,, all though they dont seems to be some type of payback because i filed a complaint against transunion before. This is clearly a poorly run company and I am very concerned that this is XXXX the only XXXX companies that is in charge of keeping my files safe and up to date.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (MD)

Because of astoundingly bad customer service, I four times in writing ( electronic ) instructed " Nordstrom '' VISA ( actually TD Bank ) to close my account and tender the approximately {$500.00} in credit balance. 

Each time, they demanded that I phone. 

When I returned from my church retreat, I phoned. I was placed on hold repeatedly, totalling about 25 minutes. Finally the attendant asked me to call again another day ... the person who wished to speak with me was not in, AND they did not know that person 's work schedule. 

This is so typical of the service I have received recently from them. Time to part company forever.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I disputed the XXXX XXXX Bank credit card balance not being updated to XXXX XXXX who declined to fix it. I received a report from XXXX in regards to something else to see that the info is still incorrect. XXXX XXXX continues to show this account over the limit when it is not and hasn't been for months. I want this item disputed by XXXX to XXXX XXXX to fix it!!! XXXX XXXX repeatedly refuses to acknowledge complaints or disputes from customers. I refuse to tolerate them ignoring mine! They along with XXXX are keeping my scores low for their own greedy, inept purposes. Neither party cares about accuracy of information or consumers as a whole.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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.

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 convictions 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 2015-07-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

i bought the car 2008 XXXX XXXX I about XXXX years I have all problems with car Ishould have take I back I was never happy with car. there is a lot things with it .now Ido n't never when to drive it I thing going break down.i have take XXXX or dealership theysaid there a lot things wrong with it they just give me XXXX for the car.so I call XXXX XXXX were I got the car will help me they said send letter to trade in XXXX done went to get a car from there just talk me in to get this we here them just the carhad not check when send the letter trade will give XXXX for it now they will not help meI have told them I do n't went outher care from there. customer service so bad there. 
so I need your help me. I can not drive this I think got live strangit outher.
Consumer complaint received 2015-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

I had a security question that I once resided at XXXX XXXX XXXX XXXX, NY.I replied 'NO ' that I never resided there and was unable to access my credit report. I never lived there, however my ex-husband lives there. I reported this to Experian in the past and I never received a written response although I sent a letter with proof of divorce etc.. Please have that information removed from my report.
Consumer complaint received 2023-03-20
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NY)

I am writing to dispute the auto loan account that has been charged off and sent to collections, which is currently being reported on my consumer reports by your company. I believe that your company has violated the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) in regards to this account, and I request that you delete it from my consumer reports immediately. 
Firstly, I believe that your company has violated FCRA Section 623 ( 5 ) ( A ), which requires that a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. I have not received any notification from your company regarding the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency, which is required by law. 
Secondly, I believe that your company has violated 15 USC 1681 ( a ) ( 2 ) ( B ) of the FCRA, which excludes any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device from the definition of a consumer report. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This definition includes my social security card, drivers license/ID, and license plate which are/were used for the extension of credit. Therefore, your company 's reporting of this auto loan account is a violation of the FCRA. 
Lastly, I believe that your company has violated the GLBA by failing to provide me with proper notice and an opportunity to opt-out of the disclosure of my nonpublic personal information to nonaffiliated third parties. 
Specifically, GLBA Section 6802 ( a ) requires that a financial institution may not disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of the Act. GLBA Section 6802 ( b ) ( 1 ) also requires that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have not received proper notice from your company nor have I been given an opportunity to opt-out of the disclosure of my nonpublic personal information.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

I disputed these fraudulent accounts multiple times with Equifax and they kept ignoring my request. So, I'm filing a compliant against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized accounts. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED accounts and they need to be removed immediately. 

Unauthorized Accounts - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Please remove hard inquiries 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 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

We have XXXX mortgage loans with Ditech. We are having problems with our payments being applied to the correct accounts. Because they took payments and applied them to XXXX account and not the account we specified, it caused us to receive a foreclosure notice for XXXX of our loans. All along we were in contact with Ditech agents and they informed us that this account was up to date several times and that we did not owe any payments, yet. We then paid an amount specified by the agent that would bring our account up to date and then we would only owe for our next payment. Today we received a letter saying what we paid was only a partial payment and that we still owe {$700.00} plus dollars to bring out account current. The agent that we spoke to said that we did not owe anything else until our next payment. In addition, our other loan payments are also questionable because we are unsure if they were properly applied to the correct accounts. 
The second problem is that Ditech refuses to speak to my husband about our mortgage accounts even after I have written letters giving him permission and had directly spoken to several agents giving my verbal permission, to discuss the loans on my behalf. My husband is a financial provider and his name is on the deed, just not on the mortgages. The mortgages are in my name only. I do n't understand why this is a problem. 
We would like these problems resolved. We do not want Ditech to attempt to take our properties because they can not keep their records straight. From this point on we are writing all names of agents, dates of payments, and keeping check of our bank records to ensure that our payments are properly credited. At this point we do not trust Ditech. 
I have attached a copy of the mortgage that had payments misapplied and the foreclosure notices that we received at our home. The statement shows that the account was current. We received XXXX of the foreclosure notices, XXXX regular mail and XXXX return receipt. They also sent XXXX to the property address, which is a rental property. All of our bills come to our billing address so I do n't know why they would send them there. That is not where we live or receive mail.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have XXXX related issues. First, my name is being reported incorrectly, and as a result, I have information associated to my credit reports that is not mine. So now that I am trying to buy my first home, I have names and addresses in the report that are just wrong. I tried disputting it directly with Experian, but they kept saying they could n't honor my request online. Very frustrating, as I have very free time at the moment to stay in the phone for hours.
Consumer complaint received 2022-09-03
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. (OH)

n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2015-04-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (FL)

I received a letter dated XXXX XXXXXX/XX/2015 notifying me that TD bank would start charging a monthly maintenance fee on my XXXX account starting XXXX XXXX, 2015. The letter was only dated 5 days prior to the start date, and the mail certainly arrived later.
Consumer complaint received 2016-04-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (AL)

PNC Bank charged me XXXX in overdraft fees for a XXXX overdraft. I do admit it was a mistake on my part that this happened, and I have no issue paying XXXX charge, but XXXX is very excessive. This is un fair. I could have got a payday loan and payed way less. This is predatory, and unethical. I am on a fixed income, and this is causing me a major hardship. I explained this to them and they said they will not do anything to help.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

It looks like someone applied for multiple things around the same dates and they do not belong to me. I am a victim of identity theft. These are fraudulent inquries and I am asking them to be removed ASAP. What is the next step? This is effecting my mental health and I am sooo upset with the way the credit bureaus are handling this matter. They told me I have to have written documentation. I even filed an Identity Theft Report and they are not complying with the provided documentation. 
XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XX/XX/24 XXXX XXXX XX/XX/24 XXXX XXXX XX/XX/24 XXXX XXXX  XX/XX/24 XXXX XXXX XXXX XX/XX/24 EQUIFAX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-16
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. (TX)

CRA VIOLATION / INACCURATE INFORMATION ON MY EXPERIAN CREDIT REPORT SHOW THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE ACCOUNT NEVER LATE.
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

My mortgage lender was n't able to provide me details of my payments made every month. I have paid {$10000.00} in XXXX 2016. They applied this amount to my account in some weird way that I am not able to understand. I have called them many times, asked for details but no one explain me anything. When I tried to add all the amount applied it 's not totalling {$10000.00}. So they have misplaced my money.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

As of Tuesday, XXXX XXXX, 2017, TransUnion is still knowingly and illegally reporting a debt of {$640.00} to XXXX for XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX.
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

CB deleted account for XXXX on XXXX XXXX and the account was added back in XX/XX/XXXX2016. Equifax failed to validate the debt in 30 days and continues to allow the company to report to my credit at their leisure without validating said debt. I have sent letters to both Equifax and XXXX to resolve debt and have it removed to no avail. Equifax continues to violate my consumer rights by allowing this company to place unverified information on my report.
Consumer complaint received 2022-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

Sold home on XX/XX/2022, and title company sent payment to Amerisave mortgage company. In late XXXX called and verified escrow was being paid out. America we had incorrect mailing address. I checked with title company and they had forwarded new mailing address with pay off amount. In early XXXX I received a letter detailing escrow account with statement stating XXXX payment and it stated check was sent out separately. I called and requested new they did not provide status of check. After XXXX weeks of waiting I call at the the end of XXXX and requested a new check be sent, and that I would have this prior to the end of XXXX. In early XXXX after 90 days, I still have not received a escrow refund check of over {$3700.00}, or a lien release / mortgage off statement. Considering hiring lawyer if not resolved within next XXXX weeks.
Consumer complaint received 2017-03-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc. (FL)

I have been fighting with Commonwealth Financial systems in XXXX Pennsylvania for the past 2 months to get them to send the assignment of debt letter per Florida statute 559 .27 and they have yet to send said assignment of debt letter that gives me the 30-day mandated dispute of validity. I have asked for them to remove all trade lines from all credit bureaus and while they have told me that this was done I still see their tradeline on my XXXX credit bureau.
Consumer complaint received 2016-02-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO. (DE)

After checking my credit report, I see a listing from XXXXCHASE. I disputed the claim.This is not my account and never was. I then sent a verification and validation to chase about the loan. I got no response. I then recently disputed it again with XXXX It came back updated with a new last reported date of XXXX. It says the last payment was made on XX/XX/XXXX.
Consumer complaint received 2016-02-28
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (CT)

I received a XXXX XXXX American Express credit card invitation in the mail. I applied on line and fulfilled the purchase requirement for an additional {$300.00} bonus. The paperwork stated to wait 6 to 8 weeks after the {$2000.00} purchase threshold was met to receive the bonus. When I did not I called customer service. I was told I was not eligible with an explanation that made no sense. Please help. Thanks
Consumer complaint received 2021-04-29
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. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.