davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023 & XXXX  Date of Inquiry XX/XX/2023
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (GA)

I requested a refund from XXXX on XX/XX/22 in the amount of {$32000.00}. 
XXXX has given me the timeline of XXXX business days to receive the actual refund. They also refused to provide me with any email confirmation after asking for it and were very vague about when I would see my balance reinstated.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) # XXXX, XXXX, XXXX, XXXX 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 2020-07-17
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. (CA)

I logged in to TransUnion, and the others, to check my credit and filed some disputes. I have a screenshot of my score with TU when I log in : XXXX. The next day, I had a friend pull my credit for a home loan application. TU is reporting my score to them as XXXX. I have a screen shot. Checked it more than once to make sure it wasn't a glitch. Still the same. I'm pretty sure that's illegal.
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-02-21
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Meade & Associates, Inc. (OH)

I received a call from Meade & Associates XX/XX/2020 at XXXX EST from number ( XXXX ) XXXX. Representative named XXXX ( do not know last name ) called me. I tried clarifying payments I have already made towards my account however she couldnt really give a definite answer of why shes not showing my payments. Instead of telling me I could dispute charges, she then says okay well you have a great day when I am trying to figure out why my payments are not showing. Her tone of voice was very sarcastic when she was saying how Im either going to pay or not because its on me, and my responsibility. I just use one curse word because I didnt appreciate how she didnt want to help me or her tone of voice and the representative HUNG UP on me instead of trying to work out where my previous payments have went. I called back, got the same lady ( XXXX ) and I wanted to talk to a supervisor. She then told me one is not available. I requested to just talk to another representative and got in touch with XXXX. He gave me the companies name ( I wasnt sure how how its spelled ). I complained about the last representative, as Im sure anyone would, he ALSO was rude and very smart aleck towards me. Supervisors name is apparently XXXX XXXX and I have yet to receive a call back.
Consumer complaint received 2018-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (WI)

Using the US Bank mobile app, we set up a payment for our car loan ( {$510.00} ) to be taken out on XX/XX/XXXX. Unfortunately, the transaction has been withdrawn again, without authorization on XX/XX/XXXX. When my husband called to ask for the funds to be reversed, they said it was too late ( XXXX XXXX ) and that we would need to be credited back from the other ( car ) company. He was told that this could take anywhere from 10 to 14 business days. Extremely poor timing, as we have had an accepted offer for our first home and have made a mortgage agreement with US Bank. As the customer, its disheartening to 1 ) fix US Banks mistake, 2 ) not be given an explanation as to why this happened and 3 ) to wait for the amount to return to our savings in 10-14 days.
Consumer complaint received 2018-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AL)

XXXX XXXX calls from an " Unknown '' number. Have answered multiple times and they are calling from XXXX XXXX on behalf of XXXX XXXX XXXX. I have asked them to send me an invoice regarding my past due account because I didn't feel comfortable giving them my banking account information over the phone, and told them to stop calling me because I promise I will pay, even if it is later and I continue to get charged late fees. They still repeatedly call, twice a day or more, everyday.
Consumer complaint received 2020-08-19
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. (TX)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2018-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Results Unlimited, Inc. (VA)

On XX/XX/XXXX I attempted to use my debit card to make a purchase and it was declined. At that time to my knowledge I still had funds in my bank account. I returned home and called my bank and was told that a lien in the amount of {$1800.00} was placed on my bank account. This was a huge surprise to me as I had no prior notification that this action was being made. After doing some investigating I found out a few new pieces of information. An apartment complex that I had lived in previously was trying to charge me and my girlfriend for miscellaneous things such as carpet replacement and cleaning service ( which we did not ask for ) prior to us moving out. These items totaling {$1400.00}. We tried on numerous occasions to get an explanation for these charges and were never contacted back. I had to get the invoice from the debt collector on the day I discovered the lien. I would have been more than happy to go to court and fight these charges or at least come to some sort of arrangement but neither myself nor my girlfriend received a summons to court. I looked online on the day the lien was placed and discovered our court date was XX/XX/XXXX. We were told that our summons were mailed to her grandmother 's address and taped to her door. Her grandmother never received anything taped to her door. I have spoken with the collection agency on 3 occasions and was met with impoliteness and large lack of empathy. I was given an offer on the day I discovered the lien to pay {$500.00} and they would remove the lien and set up a payment plan and they gave me 2 days to make a decision or the offer was no longer valid. They made this offer after seizing my bank account and all of my funds. The 2 occasions after in which I have spoken with them I have been told the lien will stay unless it is paid in full. I was never properly notified of a court date or a lien being placed on my bank account and I find this to be severely unfair. In fact, the collection agency sent only 2 documents in the mail, postmarked for XX/XX/XXXX, notifying me of the debt, but they seized my bank account on XX/XX/XXXX. As you will see in the images attached, a notice and delinquent notice were postmarked and sent on the same day but dated one day apart.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I did not initiate these inquiries section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please kindly check the FTC REPORT I ATTACHED
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

On or about XX/XX/2018, I received my car insurance renewal from XXXX XXXX in XXXX XXXX, Virginia. For the past three years my car insurance rates have increased, even though a vehicle has been dropped from the policy. Every year the XXXX XXXX XXXX attaches a letter to my policy that is entitled " Credit Adverse Action Notice ( see attachment ). '' I complained to Equifax last year after receiving the same letter from XXXX XXXX, I never received a response. The insurance company justifies the rate increase each year by stating in the letters that " insurance scoring '' was utilized and that factors in my consumer credit report warranted me not getting the best possible insurance rate. The letter this year justifies the increase by identifying four factors in my credit report that affected my insurance score. The letter goes on to state that two separate credit models were used to determine my insurance score. XXXX XXXX developed one credit model called " XXXX '',  XXXX  developed the " XXXX '' model. My wife and I have have excellent credit, XXXX and XXXX, respectively. According to several of the major consumer credit reporting agencies we have no derogatory marks on our credit reports, but these two models found four negative factors : XXXX XXXX Lack of substantial credit history - XXXX Recently opened auto loan account or no auto loan on report - XXXX XXXX XXXX Age is XXXX and average number of months trades on file is 120 Aggregate credit card payment/balance ratio over last 12 months Months since oldest mortgage opened is 49 months or more. XXXX Months since most recent credit card opened is 25 to 36. XXXX None of the above cited factors are contained in any of our consumer credit reports. Additionally, when did insurance companies become experts in the credit industry that they have developed a credit model that they use to increase consumer rates. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX What if
Consumer complaint received 2018-06-20
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. (MD)

Transunion has refused to remove fraudulent inquiries on my credit report. Ive submitted multiple letters to transunion to have them remove the inquiries that I did not apply for. All other reporting agencies have recognized that the inquiries are not mine yet transunion is unwilling to remove these inquiries. 

Inquiries Below : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I am responding to the attached responses from your company dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Originally you were attempting to over collect amount for me until I informed you and provided a copy of settlement letter from your Attorney XXXX XXXX. Upon providing that information you now state that you are willing to accept the settlement offer XX/XX/XXXX from your Attorney. In order for me to continue paying you which ( you have not provided proof as a judgment is not proof that you own the debt ) you must provide the following : Printout of all payments received from you since XX/XX/XXXX with running balance due as your previous letters indicated that I owed over {$40000.00} I have and will notify the Attorney General regarding your false acquisations. 
Upon receipt of letter acknowledging that your agree to the attach settlement along with a printout of all funds received I will review further. If you are not able to provide proof that you have received payments from XX/XX/XXXX - XX/XX/XXXX I can not continue as I do not believe you actually own this debt. Your letter must also contain language that you will be removing abstract judgment as Texas Law does not prohibit Abstract Judgment on Homestead Properties. 

Please refer to settlement and provide requested information. 
a. letter stating you will continue to honor original agreement b. copy of history of payments received with running balance due since XX/XX/XXXX - XX/XX/XXXX ( you have not cashed my payments since XXXX what happen to these payments that was sent to XXXX XXXX
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (UT)

US Bank requires that I escrow funds for insurance and taxes. For the second year in a row, they did not submit payment for my insurance in a timely manner. 

I have called them and asked for them to stop escrowing funds so that I can pay both my taxes and my insurance in a timely manner. They told me that I have to pay them to end the escrow process.
Consumer complaint received 2019-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc. (GA)

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2018-02-25
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. (FL)

on XX/XX/17 I wrote letters to all 3 credit bureaus to have them remove fraudulent items reporting against my credit report. I requested specific validation records be sent to me within 30 days which is my right by law as a consumer and all 3 companies failed to reply with any information at all. They completely ignored my request as these items have not been removed.
Consumer complaint received 2018-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Bank of America wrongfully and ileagaly foreclosed an my family s home .I new nothing about this until it was already done. no certified letter. Was not in localpaper. I had payed on this house for fifteen years. Have always worked and payed my bills.the bank would always call and say I was late on my payment.after they checked they found they had applied it to another acount I had with them.I receive a letter from them saying I had abandoned the house.I did not.I call bank to see what this was about and they tell me they already foreclosed on the house and already sold at auction where bank of America had bought the house. I new nothing about this till it was over.the bank would not talk to me about this.I filed complaint with occ they say they find no wrong doing onthere part I talk to local lawyer they said since it wasalready foreclosed I could not do anything.now the courts have proof the bank robbed people of their homes. They did my family wrong stole our house and got away with it.I think they should have to make this wright with everyone they did wrong.I will not give up on this.I will send this every where I can to let the people know what is going on even to president trump
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (UT)

I've been repeatedly denied for lines of credit through companies which use Synchrony Bank as their credit provider. 

I have a XXXX XXXX and XXXX XXXX credit score using XXXX XXXX. I currently have a 19 % credit utilization, an average account age of XXXX XXXX, 0 derogatory marks, and a 100 % payment history. 

For instance, in XX/XX/2021, I applied for an {$800.00} line of credit on Guitar Center through Synchrony Bank, but was instantly denied for " High risk source of application ''. I first called Guitar Center which said they are unable to do anything and everything must go through Synchrony Bank. I called Synchrony Bank and they are unable to provide any information other than a mailer which would be sent to me. The mailer said the reason for denial was " High risk source of application ''. Synchrony Bank was unwilling to provide any further clarification. 

In a more recent case, in XX/XX/2021, I applied for a {$2000.00} line of credit on XXXX Store through Synchrony Bank, but was instantly denied for " High risk source of application ''. I was sent through the same ringer with an inability to have " High risk source of application '' clarified.
Consumer complaint received 2019-05-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I contacted WELLS FARGO on XXXX XXXX at XXXX XXXX to inquire if we have the option of a non impound or non escrow account and what is their process. The representative said that they will mail out a form for us to review. I called the next morning on XX/XX/2019 at XXXX XXXX to inquire about the name of their form which the rep name XXXX said it was an Escrow Deletion Form. We expected to receive this form to review it and make our decision after reviewing the form. We had an escrow shortage due XX/XX/2019 in the amount of {$160.00}, we paid it on XX/XX/2019. After paying the shortage our escrow balance had a credit of XXXX ( XXXX Cents ). On XX/XX/2019 we paid our XX/XX/XXXX Mortgage payment which {$390.00} goes to escrow but the escrow balance is showing a negative $ XXXX. It should be a credit of {$390.00}. On XX/XX/2019 we paid our XX/XX/XXXX Mortgage payment and {$390.00} goes to escrow but our escrow balance is showing {$25.00}. Instead of receiving an Escrow Deletion Form in the mail we got an Escrow Closing Notice that was dated for XX/XX/2019 indicating that our escrow account will close on XX/XX/2019 stating because we asked them to close it and if we want to keep the escrow account we must call the number in the account information box by XX/XX/2019. I called on XX/XX/2019 to inform them that I did not ask them to close it. I followed up with a letter and faxed it to them on XX/XX/2019. Then, we received a Notification of Assignment, Sale or Transfer from XXXX XXXX XXXX XXXX XXXX XXXX also dated for XX/XX/2019 the same date as the Escrow Closing Notice from WELLS FARGO effective XX/XX/2019. The transfer of ownership has not been publicly recorded. WELLS FARGO remain as the Servicer for XXXX XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and left a message for someone to return my call and No one ever did. Now, we just received a Transfer of Servicing of Your Mortgage Loan dated for XX/XX/2019, Effective XX/XX/2019, the servicing of our loan is being transferred to XXXX XXXX XXXX , XXXX. WELLS FARGO will no longer be accepting payments. This seems like a tactic of WELLS FARGO to make it difficult for us when we decide to have a non impound account.