davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
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)

Law were violated by XXXX XXXX  and transunion. laws written by congress that the bureaus have broken. it is not a belief on whether the law has been broken by each bureau ( tranunion, XXXX XXXX  ) it a matter of fact that they were. and i the consumer would like this ratified. it has caused me much distressed. 
Under 15 U.S. code 1681b : Permissible purpose of consumer reports.

( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Also Under 15 U.S code 1681 ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for consumers right to privacy.

my rights have been violated, my privacy violated and i can not as a consumer of the U.S believe that this has happened to me and it is not right for them to have the thought that they are above the law which per the law they are not and i demand something be done about this and not only thing i demand that my rights be honored and not ignored. I the consumer gave transunion, XXXX or XXXX any written consent to report anything on my consumer report and i sure in heck did not give the right of my privacy to be invaded. Also when there is no consent by law that is identity theft. this is obscene. 
on date XX/XX/2021 letter were forwarded to transunion XXXX  and XXXX  stating the information above. per law 15 us code 1681n- Civil Liability for willful noncompliance ( a ) In General any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to the consume in an amount equal to sum of- ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. 
With that each violation is $ XXXX.and i demand my compensation law for each and every violation made by transunion, XXXX and XXXX and i also demand a deletion
Consumer complaint received 2021-06-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-08-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX lied to Capital One in 2019 about my employment in order to sell me a truck that I could not afford and opened a bank account in my name. I was not employed at the time, and I have never been employed by XXXX.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon application for a home loan, my bank informed me that TransUnion listed me as XXXX and could not approve my home loan. The XXXX and XXXX credit reports are correct, but I am listed on the TransUnion credit report as XXXX. TransUnion has merged my XXXX  father 's information ( XXXX date : XX/XX/1982 ) with my personal information on my TransUnion credit report and it needs to be deleted so that it reflects that I am alive.
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX I received a phone call from " XXXX '' from Trans Union. I asked her about a dispute that I placed in XXXX. It had been a while and I had n't heard anything from the dispute so I was trying to get an update. She would n't give me any information and she began asking me intrusive personal questions about my family, making criminal accusations that the negative items on my report might have been done by my family members. She stated that someone disputed items on my credit report in XX/XX/XXXX and they might 've been the same ones to have stolen my identity, but she would not give me information about the inquiries on my file as of today XX/XX/XXXX. Instead of being assisted I feel extremely violated and taken advantage of by this phone call. It was extremely disturbing.
Consumer complaint received 2017-09-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/XXXX submitted disputes to Trans Union and XXXX - as of today I have not been informed of the investigation results. I have not received an updated credit report, and I have not had anything that was disputed corrected.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I was leasing car ( XXXX XXXX  model XXXX ) from XXXX XXXX XXXX XXXX. My lease was ended in XX/XX/2017. At the end of lease, I contacted them for end of lease instructions by phone. XXXX customer service said they will send Extension of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per Extension agreement I did not paid 3 months. XXXX reported to 3 credit bureaus 60 days payment late. I contacted XXXX they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from XXXX on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as 3 payments are waiver as per agreement, XXXX itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!
Consumer complaint received 2021-01-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I originally started disputing negative information on my credit report in XXXX of XXXX. I was receiving responses and notifications for a while. The disputes I sent out on XX/XX/XXXX I have YET to receive a response on! 6 months has passed, I have also submitted another dispute during that time on XX/XX/XXXX, so 2 rounds in 6 months with nothing from any of the bureaus. I just sent out a 3rd round on XX/XX/XXXX and am trying to patiently wait for responses, but why would the bureaus just stop responding to me out of nowhere? This is not good ethics or customer service at all!
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Date : XXXX XXXX XXXX. 
I logged onto the Transunion website to place a credit freeze on my accounts ( due to the XXXX  hack ). After answering all questions, the website instructed me to call them. I called them ( was on hold for 90 minutes ), going through their automated phone credit freeze, again answering all questions, only to be informed at the end that I needed to speak with one of their representatives, who ultimately told me that they would NOT FREEZE MY CREDIT, unless I did the following : Make a copy of my social security card, my driver 's license, and a bank statement showing my address. Write them a letter telling them WHY I 'm asking for a credit freeze, list my name and address and last 4 digits of my SS number, and MAIL it to them at : XXXX XXXX XXXX, XXXX, PA XXXX. Then, THEY will decide if THEY will place the credit freeze. The hard copies of my SS card, driver 's license, and bank statement becomes their property to be kept " on file ''. I also need to include a check for {$5.00} made out to Transunion XXXX 
I had no problems placing a credit freeze with XXXX or XXXX online, but Transunion is making it practically impossible, and incredibly risky for me to place a credit freeze with them! Can anyone HELP us poor consumers!!!
Consumer complaint received 2016-10-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (GA)

My refi funded to payoff my current mortgage loan with Pacific Union Financial and I have an escrow and over-payment refund around {$9000.00} dollars. When I call Pacific Union today, they said it will take about 30 days before I will receive my funds. I asked why, and was told this is their policy
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I submitted a dispute with Transunion because there was XXXX incorrect item left on my mortgage after a previous dispute and the other credit reporting agencies had recently deleted the file after they failed to fix all the incorrect data.It seemed insignificant but I was told it could cause red flags with the mortgage company underwriters. Instead of fixing the report or deleting this file. This agency re-reported previously removed data that had been verified by the creditor after an investigation by the Executive Response Unit. It did list payments as on time but in the written details it listed the payments as being 120 days late and shows reaffirmation in bankruptcy. I was unable to submit supporting documentation when I filed the dispute as the system would not allow me to submit it for some reason. I did not push the issue because I did not think they could re-report information that they had already verified as incorrect. I figured if the other credit reporting agencies deleted the file then this agency would also. We are losing out on getting a new mortgage and potentially losing a substantial amount of money due to inconsistencies in the data that is reported between the agencies and the time it takes to resolve these issues. 
I have attached the letter frim the creditor outlining numerous mistakes on my account. Most of which the dispute department does n't have or fails to provide to the reporting agencies. The triple report that I used to file the dispute and the recently updated report from Transunion
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I was leasing car XXXX XXXX leaf model XXXX ) from XXXX XXXX XXXX XXXX. My lease was ended in XXXX XXXX. At the end of lease, I contacted them for end of lease instructions by phone. XXXX customer service said they will send XXXX of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per XXXX agreement I did not paid 3 months. XXXX reported to 3 credit bureaus 60 days payment late. I contacted XXXX they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from XXXX on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as XXXX payments are waiver as per agreement, XXXX itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!
Consumer complaint received 2017-09-15
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. (CA)

I was leasing car ( XXXX XXXX model XXXX ) from XXXX XXXX XXXX XXXX. My lease was ended in XXXX XXXX. At the end of lease, I contacted them for end of lease instructions by phone. XXXX customer service said they will send Extension of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per Extension agreement I did not paid 3 months. XXXX reported to 3 credit bureaus 60 days payment late. I contacted XXXX they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from XXXX on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as 3 payments are waiver as per agreement, XXXX itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!
Consumer complaint received 2017-09-15
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: ResidentCollect, Inc. (CA)

I have been a victim of identity theft by a person living in the state of Texas. I have always lived in the state of California. 
I submit a police report, credit made by a person who stole my identity and bank statements showing that I have lived in California. 
My credit report shows a debt on behalf of the company " Innovation Recovery , Inc. '' for the lease of an apartment in the city of XXXX, TX, during XX/XX/XXXX to XX/XX/XXXX. This contract was signed by a person who stole my identity in this state, the signature and contract information do not correspond to my personal information.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

1. Due to inept reporting by XXXX in XXXX, I have already used my free report access so I have to pay to see potential impact from Equifax 's bungle. 
2. All companies indicate a delay due to volume in freezing the my info. and inform me there will be a delay in lifting the freeze, effectively putting me at the back of the line for any transaction that requires access to my credit, such as renting an apartment. In short, they do n't have the capacity to protect the information they collect.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo Dealership took my Payments I paid ahead on each month payments took 1 payment towards paying off late fees and didnt pay my actual payment and reported me late on the credit bureau in XX/XX/2018. I have tried to resolved this and its all recorded on their system. They made the mistake and refuse to remove the late payment. I called each month and was told I was good until XX/XX/XXXX for another payment then I saw a late pay on my credit report. Please help me fight this giant of a bank. I dont think I need a lawyer for this I will appreciate any help from your organization. 

XXXX
Consumer complaint received 2020-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NY)

I had a loan with chase auto and was in a car accident the car was totaled and my insurance company XXXX told me not to make the payments because they were going to pay the car off but it took them 3 months to do it but I kept following up with both XXXX and chase but some how they are reporting it on my credit report
Consumer complaint received 2021-04-27
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. (FL)

XX/XX/XXXX I called Equifax to have them take 1 account out of dispute. I called back the XXXX to see the status of my request and I was told that all disputes were pulled. I spoke to a manager and he told me that the employee made a mistake and that it would take 5-7 business days to fix the disputes and then an additional 5-7 business days to remove the dispute remark if it was still on their. This is keeping me from closing on my house and Im being told nothing can be done to expedite the fix and that its the system. I asked for a simple request and its all screwed up.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I had auto-pay set up with my Bank of America ( BoA ) travel rewards card to pay for the " amount due '' since XX/XX/XXXX when I first obtained the card. The setting was never changed and payment always went through correctly paying the full amount due until XX/XX/XXXX when suddenly only {$25.00} ( " minimum due '' ) was drafted. I was charged a fee. I called BoA and had a 3-way conversation with Bill Pay and credit card, I paid the rest due and was told during this conversation that to have the full amount paid, I should check " statement balance. '' Although I find it odd ( why was the minimum was paid when that was never the selection ), I followed the recommendation and changed it to " statement balance ''. The fee was refunded as promised. However, in XX/XX/XXXX, {$1900.00} was drafted from my XXXX XXXX checking to pay for {$320.00} on my balance. Thus my account was over-drafted for {$1600.00}. I called BoA when I discovered this 3 days after it happened on XX/XX/XXXX, and was told that they can refund it but it 'll take 5 days. After I noted that this should never had happened in the first place, the manager I spoke to said it 'll be expedited to 24-48 hours. Today is XX/XX/XXXX and BoA still owes me {$1500.00} ( after deduction to pay for a recent purchase ).
Consumer complaint received 2023-09-08
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: EQUIFAX, INC. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was offered the following bonus : Heres the full scoop on how to earn your {$400.00} bonus : Open a 360 Checking account between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. Receive at least 2 direct deposits totaling {$1000.00} or more to your 360 Checking account within 60 days of account opening. 

I signed up through the promotional link. I called before I opened the account to ask what a qualified direct deposit was and if a direct deposit from another bank basically from myself would qualify. I was told before I opened the account yes that would qualify. And I called again after both {$1000.00} or more direct deposit ACH 's were completely posted to see if I met all the requirements. Capitalone even told me on the phone yesterday they have the recorded calls and notes on my account confirming my story and agreement that I was told this would qualify 6 days before the 60 days of signing up the account had ended. Yet yesterday I was told I didn't qualify because the direct deposits had to be from an external source like the government or a company like an employer. To me they are liable to honor this promotion to me because its in writing and recorded audio that I had met all the requirements. If not then to me this was a scam to promote new customers to create a new bank account which I did. And then also got a credit card with them which I payoff monthly. They've earned so much from my activity and transactions yet I'm being denied the promotional offer even after doing all of the due diligence and confirming it with two different representatives of Capitalone.
Consumer complaint received 2020-07-10
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. (MA)

This account is reporting late inaccurately for XXXX and XX/XX/2020 when this account is restricted and not in use by the creditor which is illegal to do and I demand these lates to be removed before i seek legal damages this company is charging me fees for a account i have no access to use there isn't a balance since i can't use it so where are the fees coming from
Consumer complaint received 2023-01-12
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 has also states a consumer reporting agency can not furnish a acount without my written instruction
Consumer complaint received 2022-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (FL)

Another issue with ServicemMac. 
On XX/XX/2022 I sent a request to ServiveMac to remove part my escrow account ( property tax and hazard insurance ) as I was advised that escrow for flood insurance can't be removed since this loan servicer is quite messy and I don't trust them. 
On XX/XX/2022 received a denial from ServiceMac stating that they can't remove the flood insurance, but I only asked for Property tax and hazard insurance ( copy of the request attached ), this makes me wonder if ServiceMac actually read my request form. 
So this denial has no ground.