davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have reached out to the credit bureaus about negative items showing my credit report and they have not responded in the 30 day time frame based on the FCRA. 

Account Name : XXXX XXXX XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

TRANSUNION CREDT BUREAU .Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Account Name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Unverified account Creditor Name : XXXXXXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Also, please remove all non-account holding inquiries over 30 days old and add a XXXX Suppression to my credit file. 

Creditor Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account
Consumer complaint received 2021-09-09
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. (NJ)

XXXX XXXX collection Original debt XXXX XXXX is list twice on file. Notified you numerous times to delete duplicate but Transunion refuses to remove duplicate. The accounts original debt was also included in 2018 bankruptcy as I included all my timeshare in the bankruptcy however Transunion is saying an account included in my bankruptcy is accurate. It is not it was settled in 2018.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was a victim of Identity Theft. I filed a Identity Theft Affidavit with Transunion, XXXX and XXXX. Their is a Bankruptcy on my Credit File that should not be there as I have never filed for a Bankruptcy. 

XXXX removed the Bankruptcy however Transunion and XXXX refused to remove it, AND ITS REPORTING " TWICE '' AS A DUPLICATE. 

I contacted the Court and they informed me that they do not have a Bankruptcy that matches my ID. 

They also informed me that they do not and did not report to any Credit Bureaus because the Court does not report to the Credit Bureaus. 

HOW CAN XXXX REMOVE THE BANKRUPTCY AND TRANSUNION AND XXXX DO NOT????
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (NJ)

Around XXXX, I saw a great deal of preapprovals on Credit Karma . From the outset, I didn't give it any consideration yet Credit Karma continued to send me a wide range of various preapprovals informing me that I was preapproved for Mastercards, individual credits, and that I can refinance my vehicle. On a regular basis, I would see these offers each time I signed in to check my financial assessment. Following a couple of long periods of being informed that I was preapproved, I assumed I was currently in the ideal spot to apply. I helped such countless proposals through Credit Karma, I began educating my family concerning speculations and excursions we planned to use to these preapprovals for. I at long last applied nearby some time in 2020 and I got denied for 2 Mastercards, and a 3 individual credits. I was XXXX I was exceptionally furious and I felt bamboozled. I was showcased to for a really long time letting me know I was preapproved. THIS WAS Completely false! I was seriously worried! I was sick for quite a long time! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX went from XXXX to XXXX and was wild. Presently, every time I see preapprovals I promptly close my phone and shut my PC off. This has made me so uncomfortable and restless that I have not actually looked at my acknowledge as often as I should
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I have submitted several attempts to get this information deleted from my credit reports as it is damaging to my credit and ability to find substantial housing for my family and I. As apartments will deny you with a bankruptcy. I have yet to receive a response in this matter at all from Experian, and I have disputed this information on different attempts. I have, however, reached out to the  US Bankruptcy Court of   XXXX   - an d they have assured me they have not given any of my information to any credit or reporting bureaus ; therefore there are no true validations to their claim. I did not file bankruptcy and this is incorrect information.
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 I.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (HI)

I had made a previous complaint, #  XXXX  regardi ng SPS, Inc. not sup plying a mortgage note in a timely manner. I have a letter fro m SPS da ted  XXXX   XXXX ,   XXXX   saying the matter would be resolved  XXXX   XXXX   XXXX , by sending a copy of my mortgage note. I called today,  XXXX   XXXX , to ask the status of the mortgage note being sent. I was told a letter would be sent tha t SPS w as still researching, and that SPS should have an answer to me within 30 days. This is not in compliance with wh at SPS o mbudsman said earlier. This delay is causing me a hardship in refinancing my curren t loan. SPS ha s stalled, made excuses and untrue statements to me since I began requesting a copy of my note since late  XXXX  or early  XXXX .
Consumer complaint received 2017-04-21
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (NV)

In  XXXX , my decease husband bought a {$160000.00} home with a FHA mortgage.   In  XXXX , we began dating and married in  XXXX . Several months later, he was diagnosed with  XXXX   XXXX   XXXX .   In  XXXX , a month after I purchased my first home, my husband died and left me his home. His lender ; CitiMortgage forced me to sign a " non-quali fying Loan Assumption Agreement '' ;  even though the payments were current to prevent them from accelerating the loan. I was assured that the Agreement would not be reported or recorded to affect my credit.   In  XXXX , I filed Chapter  XXXX  to consolidate my bills and discovered  XXXX  FHA mortgages listed on my credit reports and was forced to include them in my plan.   In  XXXX , the Chapter  XXXX  was voluntarily dismissed due to failure to make payments.   In  XXXX , after CitiMortgage faxed a copy of the Agreement to me that they never executed which makes it null and void. As a result, I was denied loan modifications because " I ca n't have more than one FHA loan at a time. '' In  XXXX , I lost my government job in  XXXX  after 7 years.   In  XXXX , my first home to foreclosed so my sons and I moved into my husband 's home that was used as a rental throughout the years. I applied and was denied loan modifications.   In  XXXX , I was forced to file Chapter  XXXX .   In  XXXX , after my bankruptcy was discharged in  XXXX , I discovered that CitiMortgage has reported to the  XXXX  bureaus that I owned my husband 's mortgage since  XXXX . This was the reason I was denied credit, employment, high insurance premiums and put me at risk for federal fraud as a first-time home-buyer. I filed a Fair Credit Reporting Act complaint with the Illinois Office of the Attorney General and CitiMortgage continued to deny fault by stating they are exempt from signing an agreement for a federally backed loan. My husband 's home was foreclosed in  XXXX  and is scheduled for auction on  XXXX   XXXX ,  XXXX .
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank  of America has encouraged users to sign up for notifications when their account balances get below a certain amount. I have set up these aler ts. On the morning of  X/XX/2017   , I received an alert that my balance was at or below {$4.00}. Since I was on my way in to work, I decided I 'd swing by the bank and deposit cash on the way home. Later that day, I was at my desk working and received another notification that my balance was overdrawn on  X/XX/2017   , which means  1  ) B of A did not send any notification of a low balance prior to  XXXX  and  2  ) sent me a misleading notification on the morning of  XXXX  about the status of my account so they could charge me  XXXX  overdraft fees that would have been avoided if they 'd sent me the notifications when the actual events occurred as opposed to after the fact and out of order. When I called B of A to file a complaint, the customer service reps basically told me I ca n't rely on the technology they encouraged me to rely on and that I just have to check my account balances every day. They also seemed to feel that receiving a notification in the morning that you have a low, but positive, balance on  XXXX  then being followed by a notice eight hours later that you have a negative balance as of  XXXX  makes all the sense in the world. They also have returned to the practice of paying out larger payments that come in later before smaller payments that come in first causing excess overdraft fees, which they were successfully sued for several years ago.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

With the recent XXXX XXXX breach in security and over XXXX XXXX people 's data being compromised due to unprecedented neglect by the company it is ridiculously for the victims to be required to pay to freeze their credit reports. Companies like XXXX and Experian should be offering a free service to freeze credit even if it 's temporary, especially during these times. Such blatant attempt to profit off the XXXX breach is deplorable.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

Every time I need to log into Experian they want to send a code to my phone to verify my identity, when you click to send the code the phone rings but there is no audio code given, the number I get the call from is XXXX, today ( XX/XX/24 ) I had to call five times before a code was given. This has happened in the past as well. Something is wrong and they should address this issue.
Consumer complaint received 2022-03-11
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account : 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 has violated my rights.

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 I.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (OH)

As of  XX/XX/2016    my ( {$38000.00 } ) 20 yr.  mortgage loan was suppose to be paid off with CIT/Caliber Home Loans. They are now telling me that it is a simple interest loan and interest is accrued daily on top of the interest and I still owe {$15000.00} even though I have made the 240 payments that my promissory note states. They do not give me a timeframe of how long this will take, because of the daily interest. My interest rate for the la st 20  yrs has been 10.85 % and payments have been made in a timely manner to them. I originally got a loan from  XXXX   XXXX  and then it was sold to  Caliber Home  Loans. I have contacted them many times the last few years telling them that at the rate I am paying, this loan will not be paid off when loan states even if it all went to the principle amount. They just kept telling me it would be. Now that it should be paid in full, they say it is because of this daily simple interest charge, which I do not see anywhere in my contract. I dont feel I owe them anymore money and am at wits end trying to solve this. I have talked to someone about refinancing just to drop the interest rate but they too feel this should be paid in full and gave me this website to maybe get some help in resolving this matter.
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX Wells Fargo Corporate 0ffice XXXX XXXX XXXX XXXX XXXX, CA XXXX To all parties concerned : On or more specifically during the protected emergency disaster period of Hurricane Irma RE : President Donald J. Trump Approves Major Disaster Declaration for Florida Release date : XX/XX/XXXX Release Number : XXXX Wells Fargo knowingly purposely and wrongfully attempted to auction force sale my home via the court scheduled dates on 3 seperate consecutive times during the disaster period being XX/XX/XXXX followed by XX/XX/XXXX and continued by XX/XX/XXXX. it is a fact that this banking institution repeatedly ignored and neglected all consequences or damages related or implicated causing tremendous violations against my person surrounding and directly affecting the facts herein by their actions based on unjust, unfair and unreasonable practices. 
Each disaster in this case Irma is a severe event that requires careful assessment. And because relief and recovery may take a long time, The short term period recovery phase of a disaster period typically lasts from six months to at least one year because immediate threats presented by the disaster, including meeting humanitarian needs ( food, shelter, clothing, public health and safety, home repairs, ), cleanup, damage assessment etc. As the response period progresses, focus shifts from dealing with immediate emergency issues to conducting repairs, restoring utilities, clean up process and all affected areas caused by the hurricane including but not limited to all relative implications the stages of recovery dont always follow a neatly defined course or timeline. 
It is a known fact and important to see that Wells Fargo 's response against my person during this very difficult and time was nothing short of a complete deliberate, intentional cruel and unusual act that should be addressed, corrected and remedied accordingly and significantly. 
As a forekwowing witness and victim of this kind of foregoing abuse of actions conducted by Wells Fargo I hereby hold Wells Fargo responsible within the jurisdiction of all violations but not limited to this complaint. 

Sincerly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SecurityNational Mortgage Company (TX)

Because of multiple errors on the part of my mortgage escrow account, I have asked that the mortgage company let me out of my escrow account. This the the 3rd time I have made this request. Each time I make a request I am given a different excuse as to why this can't be accomplished. This year, I changed insurance companies, and notified them of this. They proceeded to pay BOTH insurance companies putting my escrow into a negative balance. Even though I contacted them immediately, they forced me to pay 2 mortgage payments of almost {$200.00} more than my previous payments. I have no idea where the extra money went, but it doesn't appear to be in my escrow account. Here are the excuses that have been given to me by my mortgage company.

1. I had one late payment in the first year. This is true, because I misunderstood how long I had to pay after the due date of the 1st.

2. I was told I did not have a conventional loan. After looking into this, I found that I DID HAVE a conventional loan.

3. I was then told that the investors did not allow me to pay my own insurance & taxes.

I had an attorney look into my paperwork and I have contacted the company that did the closing for me and they both agree that # 2 excuse & # 3 excuse are nor valid. No where in my mortgage contract does it state that I have anything other than a CONVENTIONAL LOAN, not does it state that the investor does not allow me to pay my own insurance & taxes.
Consumer complaint received 2017-04-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My bank withdrew money form my account without any notice, for an account that I had over 6 years ago, that I had closed in satisfactory status. when I closed my account, the teller did not inform me that the account would actually stay open for 6 days an the bank processed transactions that I was trying to stop which caused an overdraft, then made the account negative and when I attempted to close it again, they refused saying they will not close an account with a negative balance. but had they closed it when I originally requested, there would not be any overdraft or negative balance.
Consumer complaint received 2017-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

Hi, my earlier complaint number was  XXXX  regarding the platinum card now ending in  XXXX . The amounts shown there were not disputed the ones I 'm disputing are  XXXX   XXXX . Something which I never used and on the propel world  XXXX   XXXX  or ending in I do n't know what I 'm disputing  XXXX . Nothing else just these two amounts now, I 've started making payments to the card but for these  two  I have received no service therefore I request Wells Fargo to remove these charges from my cards.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This is a formal notice that you have failed to respond in a timely manner to my dispute letter concerning the accuracy of what you have on my credit report. Under the FCRA  15 USC 168i ( 5 )  ( A ) Procedure in case of disputed accuracy, you have  30 t o respond to my request for verification of the erroneous items. Your negligence has cause me harm, since it has affected my ability to obtain new credit. Since you have NOT PROVIDED ME NAMES OF PERSONS you contacted for verification, per  15 USC 168i6Biii , nor complied within the statutory period, I assume that you have not been able to  re  verify the information I have disputed. Therefore, you must comply with the provision  15USC  section 168i ( a ) of the FCRA and remove the disputed items from my credit report immediately. If I DO NOT receive a revised credit report, free of charge, with the items removed at the address stated, I will pursue my legal rights with an attorney under  15 USC section 1681n or 1681o "  Civil liability for willful noncompliance. '' Your credit bureau may be liable for :  1.  actual damaged I sustained by your failure to delete items  2.  punitive damages as the court may allow 3. costs of the court action, plus attorney 's fees
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (MI)

After speaking with  XXXX   XXXX  for the purpose of obtaining a physical payoff payment address, I sent Statebridge Company  ( m ortgage servicer ) a check of {$16000.00} meant to pay off the balance of my loan (  XXXX  ) with them. This is the payoff amount I received from the company after ordering the payoff. Despite the fact the check was cashed in  XXXX , the funds have not been applied to the loan, however, I 'm receiving collections calls. After trying to rectify the issue, I was told I needed to pay an additional {$180.00} to cover the interest and fees ( incurred while they had the funds ) in order to pay off the loan. I paid the as instructed, however I 'm still receiving collection calls for a mortgage that should be paid-in-full. I want the embezzlement to cease. I would like for Statebridge to apply the funds, close the loan and stop the collection calls. I have made several attempts to resolve this matter with them with no success. I have sent e-mails, and certified snail mail, along with several phone calls, speaking to several people, all of which have proven futile