davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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. (VA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Transunion is governed by 15 USC 1681, and they have violated my rights numerous times. I demand that the accounts listed below be removed because ; According to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts. 
Furthermore, These accounts are products of identity theft, under 15 USC 1681b ( C ) : Furnishing reports with credit or insurance transactions that are not issued by the consumer ( 3 ) information regarding inquiries, A consumer reportimg agency shall not furnish to any persons a record of inquiries in connection with credit or insurance transactions that is not initiated by ( ME ) the consumer. 
15 USC 1682c ( 2 ) " BLOCK OF INFORMATION RESULTING IN IDENTITY THEFT '' I have called and spoken to supervisors at transunion consumer reporting agency to address this matter and have been, disrespected, when i have tried to have them to remove these false accounts and inquiries. They have continued to violate my rights under the FAIR CREDIT REPORTING ACT. 

These accounts are a product of Identity Theft : 1.XXXX XXXXXXXX XXXXXXXX XXXX XXXX Acct # XXXX 2.XXXX XXXXXXXX XXXX, Acct XXXX XXXX 3.XXXX XXXX XXXX, Acct # XXXX
Consumer complaint received 2024-03-19
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: Fidelity National Information Services, Inc. (FNIS) (LA)

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Chex Systems : XXXX. XXXX XXXX XXXX XXXX There are a total of 5 inquiries from XXXX XXXX XXXX XXXX. Four of those inquiries were not authorized. Aside from the initial inquiry in XX/XX/XXXX, all other inquiries should be account reviews, which are soft inquiries that are not viewable to other companies. Please remove the inquiries from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please remove these inquiries. 

XXXX. XXXX XXXX XXXX XXXX I inquired about opening account with this credit union but decided not to apply. I did not sign any application to open a checking account and the company had no authorization to pull my report. Please remove this inquiry from my report. 

XXXX. XXXX XXXX There are three inquiries associated with this company. Each inquiry is from a company that I did not contact, much less did I apply to open an account. Please remove the XXXX XXXX XXXX inquiry that occurred on XX/XX/XXXX. And please remove the two inquiries on XX/XX/XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX 

XXXX. XXXX XXXX I have never contacted this company and certainly did not apply for credit or a bank account. Please remove this unauthorized inquiry from my report.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

We submitted a Qualified Written Request to Wells Fargo on the First and HELOC to provide a copy of the promissory note in its current form with all allonges and the name of the true lien holders, and they have twice refused to comply. More then 3 months have passed since the last request and they keep delaying although the law requires them to comply within 10 business days. 
Compel them to comply, or reconvey the note. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-03
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

The credit report listed an item : XXXX Serious delinquency. When I contacted consumer finance, the agent said that Bank of America reported I was delinquent on several credit card payments. I contacted Bank of America and they said that they only had a checking and savings account under my name on file. XXXX these accounts were closed years ago and they do not have record of me having a credit card with them. They said they could check archives, but because all of my accounts are now closed, they should not be reported as delinquent in any credit reports.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( experian, equifax ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove it to the others bureus sending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities. 
i already fix the problem with the irs and i have the documents to prove it.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (SC)

I have filed a complaint with CFPB (  XXXX  ) an d Shellpointe ha s responded to you and I have seen the response. I have attempted to contact them but they will not respond to my calls. I would like to know the status of my refund.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

Unbeknownst to me there was an introductory period with no interest, and the entire interest balance for that period would be added as soon as the period was over. I did not get any notification that the period was ending outside of my normal paperless statements. Since it was on auto pay ( and because I was XXXX XXXX XXXX ), I didn't monitor them closely. They looked exactly the same as they normally do in my email inbox. I would expect a separate email or text alerting me to this introductory period ending and warning me of a charge of this size. An interest charge for almost {$1900.00} was added on that date, more than doubling my outstanding balance. I would have paid it off had I known. Almost {$2000.00} down the drain. That's obviously exactly what they wanted to happen. This was for a healthcare expense. This seems predatory. I also do not recall being told anything about this introductory period when I financed the expense.
Consumer complaint received 2021-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-09-06
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report.

Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$19000.00}
Consumer complaint received 2023-03-27
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. (VA)

Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Due to these violations I have a right to sue per violation.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

I XXXX am filing this complaint because, Experian has ignored my request to provided me with the proper documents that their company has on file that was used to verify the account on Public Record I disputed.Being that they have gone past the 30 day time period and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are requested to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 
Thank You!
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

Submitted substantial evidence in my favor of returned items with XXXX. Though items were return, company charged my card. CitiCards did not win this case despite XXXX strong advisement of not paying. 

Transaction Amount : {$4900.00} Dispute Amount : $ XXXX : XXXX Dispute ID : XXXX
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My problem all the way back to XXXX, when my bank, XXXX XXXX, made a {$10000.00} coding error on the check I had written to Bank of America to pay my monthly credit card balance : Bank of America received {$10000.00} less than what I had written the check for. For the next three years, I tried to resolve the issue through letters and phone calls, but without success. So I put the issue on the back burner, and just continued my practice of paying my credit card bill in full and on time every month, minus the {$10000.00} that was in dispute. 

The credit card was later taken over by XXXX, and a couple of years ago, I made one last attempt to resolve the issue by writing a letter to XXXX explaining the history. I followed up on the letter and spoke with several different people at XXXX. However, I was told that there was nothing they could do, because the dispute arose when the credit card was held by Bank of America. They suggested I contact Bank of America, which I did ( by letter and phone calls ). I was told over the phone that the issue was a " dead end, '' because they only keep records for seven years, but the dispute arose in XXXX. There was never any response to my letter to Bank of America, so I made the decision to cancel my credit card, which I had first obtained in XXXX. I made my final payment of what I owed to XXXX ( minus the {$10000.00} in dispute ) and included a letter explaining why I canceled the credit card. For about six months after that, XXXX continued to send me statements for the {$10000.00} and interest, but then they stopped -- and they have made no attempt to collect the money from me. 

I got a new credit card and went on with my life, assuming that was the end of it. I never thought about the impact this could have on my credit scores, because I have been debt free for more than 25 years, and had no intention of taking out any loans. However, I recently decided to explore getting a HECM, and that is when I discovered that this old, unresolved dispute had seriously damaged my credit scores. The mortgage broker told me that I may have to set up a Life Expectancy Set Aside ( LESA ), even though I have always paid my property taxes and homeowners insurance premiums on time. 

It is very unfair that my credit scores have been damaged by a very old dispute that I tried for years to resolve, and that I am now told is impossible to resolve because the banks only keep records for seven years. So I am caught in a financial Catch 22. I am attaching photos of three of the key letters I wrote over the years. Any help you could give me to help me fix my credit scores would be greatly appreciated. Also, it is clear that the formulas for credit scores make no sense, when you have someone like me ( very responsible, no debt, substantial assets ) getting below-average credit scores.
Consumer complaint received 2021-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

On XX/XX/XXXX, I called fedloan servicing and spoke to the customer service rep ID # : XXXX to review the number of my qualified payments when I realized the number reported was incorrect. The customer service rep told me it would be fixed right away and to give them sometime. 

I waited for 8 months and called again on XX/XX/XXXX with the same concern, I was told it would be expedited and the error will be fixed. 

I called again on XX/XX/XXXX with the same complaint and the customer rep told me it'll take sometime and can't give me a time line even though it's already been a year since my first phone call. This is unacceptable. She told me even if I called back in a month or 6 months, there was no guarantee the error would have been fixed.
Consumer complaint received 2016-09-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services (MD)

ATTACHED IS A COPY OF THE DISTRICT COURT COMPLAINT FILED XX/XX/XXXX WHICH INDICATES ON XXXX UNDERLINED INDICATED IN THE SETTLEMENT AGREEMENT ALL ATORNEY FEES WERE INCLUDED IN THE XXXX PAYMENT AND THE LAST XXXX PAYMENT WAS MADE ONXX/XX/XXXX AND WE CURRENTLY ONLY OWE THE XXXX NO LATE PAYMENTS WERE ATTACHED TO THIS FIGURE ON THE STATEMENT AND THE ONLY REASON THAT XXXX WAS NOT PAID WAS BECAUSE LENDMARK KEPT ASKING FOR THE ATTORNEY FEES WE HAD ALREADY PAID AND ALSO THE XX/XX/XXXX PAYMENT SHOWED NO LATE CHARGES WHICH IS ATTACHED
Consumer complaint received 2015-08-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Platinum Holdings Group, LLC (TX)

The people at Premium Asset Recovery are haraasing me about a debt my husband had prior to me meeting him. They 've called and threatened to contact my employer and insulted me, saying I should pay my bills every once in a while. This was something prior to our marriage that I was n't even aware of. In fact, this debt they 're saying he has is from XXXX years ago, before I even turned XXXX!
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

TD BANK REFUSAL TO RECTIFY MISREPORTING OF INFORMATION THAT IS INACCURATE TO THE MAJOR CREDIT REPORTING BURAEAUS DESPITE NUMEROUS ATTEMPTS, TD HAS NOT RESPONDED. CHARACTER DEFAMTION AND NEGATIVE IMPACT ON QUALITY OF LIFE DUE TO THIS INACCURACY AND LOWERING OF CREIT SCORE.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (AZ)

My problem all the way back to XXXX, when my bank, XXXX XXXX, made a {$10000.00} coding error on the check I had written to XXXX XXXX XXXXXXXX to pay my monthly credit card balance : XXXX XXXXXXXX XXXX received {$10000.00} less than what I had written the check for. For the next three years, I tried to resolve the issue through letters and phone calls, but without success. So I put the issue on the back burner, and just continued my practice of paying my credit card bill in full and on time every month, minus the {$10000.00} that was in dispute. 

The credit card was later taken over by Barclays, and a couple of years ago, I made one last attempt to resolve the issue by writing a letter to Barclays explaining the history. I followed up on the letter and spoke with several different people at Barclays. However, I was told that there was nothing they could do, because the dispute arose when the credit card was held by XXXX XXXX XXXX. They suggested I contact XXXX XXXX  XXXX, which I did ( by letter and phone calls ). I was told over the phone that the issue was a " dead end, '' because they only keep records for seven years, but the dispute arose in XXXX. There was never any response to my letter to XXXX XXXXXXXX XXXX, so I made the decision to cancel my credit card, which I had first obtained in XXXX. I made my final payment of what I owed to Barclays ( minus the {$10000.00} in dispute ) and included a letter explaining why I canceled the credit card. For about six months after that, Barclays continued to send me statements for the {$10000.00} and interest, but then they stopped -- and they have made no attempt to collect the money from me. 

I got a new credit card and went on with my life, assuming that was the end of it. I never thought about the impact this could have on my credit scores, because I have been debt free for more than 25 years, and had no intention of taking out any loans. However, I recently decided to explore getting a HECM, and that is when I discovered that this old, unresolved dispute had seriously damaged my credit scores. The mortgage broker told me that I may have to set up a Life Expectancy Set Aside ( LESA ), even though I have always paid my property taxes and homeowners insurance premiums on time. 

It is very unfair that my credit scores have been damaged by a very old dispute that I tried for years to resolve, and that I am now told is impossible to resolve because the banks only keep records for seven years. So I am caught in a financial Catch 22. I am attaching photos of three of the key letters I wrote over the years. Any help you could give me to help me fix my credit scores would be greatly appreciated. Also, it is clear that the formulas for credit scores make no sense, when you have someone like me ( very responsible, no debt, substantial assets ) getting below-average credit scores.
Consumer complaint received 2017-04-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AZ)

I applied for a personal loan through  One Main Financial s ince it was recommended via   XXXX   XXXX   with " good approval odds '' and their website advertised pre-approval without a hit to your credit.     First lie was that it is not a soft inquiry. I was hit with a hard inquiry and several points off my credit.     Second of all, they said I was approved. When I called to proceed with the loan, the rep asked me for a title to my car. To my understanding, I did not apply for a title loan and this is not a title loan company, or so I thought. I told her I did n't have a title and I thought this was a legit bank, not a title loan company. She responded by saying " ok, have a good day '' when she quickly realized she was n't going to make a sale. So I began to ask her about their qualifications and what they 're looking for, because my credit is n't that bad. I was just approved a few months ago for a  XXXX  credit card through  XXXX   XXXX . She lied again and said she did n't see that credit card on my report. She would not answer my questions and I told her I felt scammed. They 're looking for people with titles, because anyone with better credit than I have would not be stupid enough to apply for a sub prime loan with 35 % interest.     I told her I wanted them to remove the inquiry from my credit because I applied with the understanding tha t 1 ) it was not a title loan, 2 ) that I had good approval odds, and 3 ) it would be a soft inquiry on my credit. She told me she would transfer me to a manager but then came back and said he was gone for the day - another lie, because I called back a few minutes later and asked for a manager and they put me on hold to go get him.
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo stopped drafting our account after my husband filed Chapter XXXX bankruptcy even though the mortgage loan was not included in the bankruptcy. They took our payments and then partial payments for a while but would not apply them to the mortgage due to the bankruptcy according to them. We applied for a loan modification and they asked for the same documents multiple times and drug the process out over a year. After getting no response from Wells Fargo, we were contacted by a company called American home preservationists. They asked for the same documents as Wells Fargo and instructed us to stop speaking to Wells Fargo. We sent them three months of payments in good faith. After receiving over {$3600.00}, they stopped answering or returning calls. 
Wells Fargo has now sold out loan to a company called XXXX XXXX. They are again requesting the same documents we sent Wells Fargo despite Wells Fargo sending us a letter stating they had forwarded all our documents to XXXX. 
We are 20 days from foreclosure and DO NOT want to lose our home. 
Wells Fargo account # XXXX American home preservationists account # unavailable but contact name is XXXX XXXX, XXXX, XXXX XXXX supposed underwriter. XXXX XXXX contact XXXX XXXX, XXXX. 
This has been going on since XXXX 2015!!!!!!!!!! 
Please help us not lose our home.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

My attorney requested credit reporting companies NOT to allow claims for which companies DID NOT have an original signed document obligating me to pay a debt, specifically intended to stop collection companies who may have bought debts from posting incorrect or inaccurate information. See attached report posted to my credit report which has a negative impact on my credit.