davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 rights to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

I made an overpayment of the amount of {$1200.00} on XX/XX/XXXX of 2020 to accout number XXXX To Ally Financial inc . So I call them and ask them if they could refund the amount and I was told that they could refund the amount and that they would process it for a refund of XXXX, so I waited and didn't hear from them and didn't receive a check in the mail so I called them again and they stated that it was denied because it was processed for process before my car payment was processed so I would have to make the car payment 1st so that it wouldn't be late and then they would put the process of the refund in. So I waited and then I call them back because I did receive anything and they stated to me that it was supposed to be mailed out XX/XX/XXXX so I waited again another 2 weeks and then I call them back to let them know that I did not receive anything. I asked for a manager again and they said it was denied again because the requset for refund of the payment was put in and again my car payment was in process so again it didn't go through. So again they stated that I would have to make a payment for XXXX otherwise my carpet will be considered late and Any request for the refund will not process.So I made the payment for XXXX and it will process on the XXXX and that on the XXXX they would personally process for a refund of the {$1200.00} and that I would not have to call back and everything was taken care of So then I waited and then I called back again on XX/XX/XXXX because I did not receive anything and I told them what was happening and the first thing I was told by customer service was that there was a payment made out in XX/XX/XXXX and I told them no that's not correct that it was denied and was never processed and then I asked for Corporates number and I was told that They did not have corporates number and that they could not give it to customers so I ask for a manager again The manager stated to me that it was denied yet again and so then I asked for a regional manager and for corporates number because this just continues to happen over and over again. So then the manager Said that they will try to get ahold of the payment department but they could not and that she would call me back when with the information and I stated no because that's the problem. You say that you will and you never do. So the manager stated to me that she would put the payment refund process again and I told her no because I can tell you how the process gon na go and they're going to deny it again and ask me to do another pain man and it's gon na keep on happening over and over again.So I said I want to speak to a regional manager So then she stated that she was transfer me to superviser and was put on hold when she came back onto the line I was told that the supervisor will call me within 1 to 2 hours but I have not received a call from them yet.
Consumer complaint received 2017-12-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (FL)

In XXXX of 2017 I started refinancing my current residence with XXXX XXXX XXXX, the same people I have my current FHA loan with. We wanted a conventional loan with no PMI, and finally were in the equity position to do it. Fast forward to XXXX XXXX and the refinance is completed. Or so I thought. I started getting collection calls from Loancare, the loan servicer, XXXX XXXX that my loan was past due for XXXX. XXXX assured me all was well and to ignore for now. XXXX XXXX I was still getting collection calls. I spoke with the representative at the servicer, Loancare, who told me with XXXX the payoff could have been delayed. Then on XXXX XXXX I am told by my loan officer that the wrong payoff amount was wired by the settlement agent, XXXX XXXX XXXX, but it was corrected and will be done in 24-48 hours. A contact at XXXX XXXX XXXX tells me he has nothing to do with it although his name is on the closing docs. 
It is XXXX XXXX now and I still show a balance on my loan of over {$280000.00} and I am late for XXXX and XXXX. I brought a Cashiers Check to the closing table for any additional funds. I am being told the wrong amount is being wired by XXXX XXXX to XXXX to pay off the original mortgage. They are sending the amount on the Closing Disclosure and being told it is not enough. Then it takes 3 days for Loancare to tell XXXX XXXX the amount is incorrect and does not tell them the correct amount, even though it matches the Closing Disclosure. The XXXX at Loancare tells me to call the settlement agent and is unreachable by phone. Nobody at Loancare will clear this up. Please help me!
Consumer complaint received 2023-03-26
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. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Since XX/XX/2019 I have been mailing letters to the credit reporting agencies to dispute several errors on my credit report. A total of 4 dispute letters have been sent out to Experian, XX/XX/XXXXandXX/XX/XXXX and I never received a response from them.
Consumer complaint received 2020-12-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

My husband died XX/XX/2020. Lost a great amount of monthly income, approx {$4000.00}. XXXX XXXX XXXX with current " mortgagee ''. This company is in a " TRUST '', only modifications, no refi 's. Company is Select Portfolio Servicing. All docs were submitted via email attachments on timely basis ( dated ). On 1 document I received ( XXXX ) states my SS $ was HIGHER than direct deposit. I called, was advised once ALL payments made, a review of account AND income would be made. Loan mod proceeded with TEMPORARY monthly amount as I was advised. NO missed payments. Payments were entered ahead of schedule with confirm #. Upon completion of TEMPORARY payments, received NEW agreement with SAME AMOUNT DUE AS TEMP. No changes. One Rep told me the TEMP IS the NEW monthly amount. Numerous calls made ( documented-CSR name/EXT./time of call ) as to WHY an added 125 % onto my income? Had my Attorney ( paid him {$350.00} for 1 phone call to SPS Acct. Rep/no info ) SHE had NO answer. Finally got answer from another CSR. ALL clients are subject to this 125 % tacked onto GROSS income. This is fraud, in my opinion, as I do not make that amount of money. They are attempting to obtain more money from me. I DID NOT sign papers, received numerous calls after stating I was not accepting why docs NOT received. I am back on monthly auto draft with higher monthly amount. I feel I was not treated respectfully, especially by my Account Rep. Most of the CSR 's tried to help, but they had no answer. How do I proceed?
Consumer complaint received 2017-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (NY)

Hello, I opened an EZChoice Checking account with M & T Bank. As part of opening the account, I used the promo code QK as an offer to get a {$200.00} bonus for opening the account, with the following requirements. See here for an image of the mailer and even the fine print of the offer : https : XXXX Open a new M & T personal checking account by XXXX XXXX, XXXX with the promotional code QK and receive a sign up bonus of {$200.00} when you do the following : Set up a qualifying direct deposit of {$100.00} or more within 90 days of account opening That is the language from the offer. I confirmed multiple times on calls with customer service reps that my direct deposit from my employer was accepted, and valid. They did n't dispute that I met the direct deposit requirement. 


When I waited 90 days after no bonus posting, and the account still in good standing, the supervisor of the CSR told me that I did n't open up the " correct '' account, and that I had to open up the " MyChoice '' checking account for the promo code QK and NOT the EZChoice Checking. 


Look at the image and the offer! It says ANY checking account, and no where did it specify MyChoice checking. In addition, when I called the previous times to check if I had met the requirements, they said I was fine and I even mentioned the SPECIFIC promo code QK, and they never said I had opened the wrong account. She says there 's " nothing she can do '' even though I explicitly explained all of this to the person. 


This was after 2 calls where specifically I asked if I had met the requirements, and if there was anything that would cause me not to get the bonus. Both CSR 's told me I was set and just to wait. Then when I finally waited the maximum time, I get this response with no proof that I did n't open up the " correct '' checking account, even though there are virtually no differences between the two. ( No material difference in fees or anything )
Consumer complaint received 2020-11-17
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: DISCOVER BANK (VA)

On XX/XX/2019, I disputed an item billed to my account in the amount of {$910.00} based on the quality of services I received. I had purchased entry into an establishment which had falsely advertised a XX/XX/XXXX show. Due to the amount of money involved and because our special occasion had been ruined, I contacted the merchant to advise of my problem. The merchant was initially unresponsive, but then slow to come around and try to help me. I called the credit card company to ask how much time I had to file a billing dispute since I was trying to work with the merchant. They told me that I had no time limit to file it. When the merchant finally admitted to wrongdoing, it attempted to comp me another night at the establishment. I advised the merchant that I did not live in the area, that I was only there for a special occasion, that this special occasion had in fact been ruined due to their false advertisement, with guests who had flown across the country to be there, and I asked for a credit back to my account. The merchant again became unresponsive. This time I called the credit card company back to initiate the billing dispute. The merchant had gone back and forth with me, but in the end had resolved nothing and became unresponsive. The credit card company began an investigation and issued a temporary credit. I sent in all email correspondence to them with documentation of the false advertisement. In XX/XX/2019, I received the results of the credit card company told me that the results of the investigation told me that they could not help me because 1. ) the time had elapsed in which they could take back the money from the merchant ; 2. ) that I needed to have something in writing from the merchant agreeing to credit my account. I told the credit card company that I was given the wrong information by the representative when I initially called, that they had in fact told me there was no time limit to file a dispute. Second, the credit card told me that the merchant 's offer to comp me was not enough for them to protect my account and give me a credit. I let the credit card company know that this is why I was turning to them for help, because I was unsuccessful in getting the merchant to do it. If I had to get the merchant to agree to a credit or refund, then what protections is my credit card offering me? Why would I need to seek their help if part of the requirements are that the merchant must agree to a refund or credit in a dispute? This defeats the purpose of a dispute. I called in recently wanting to pay off my card and sought to again speak to someone about this, because it seems like an unfair practice what happened. I was given the same information. The credit card company is unable to help me.
Consumer complaint received 2020-12-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (DE)

XX/XX/2020- I reported NetCredit to the XXXX  because they repeatedly lied to me on multiple platforms. XX/XX/XXXXwas also the day they sent me an email saying they could no longer help me because I did not submit the proper paperwork. ( This was the lie ) After speaking to a customer service representative on XX/XX/XXXX, they told me the only way I could get my loan read was to resubmit my application. I told them I did not want to and wanted to speak to a manager. 

XX/XX/2020- In my middle of the night, they read my application, gave me my verdict, and pulled my credit score. I did not permit them to do this or reapply as they told me I had to do. This, to me, is now a legal matter because I did not give them consent to pull my credit score. The only way they would have pulled it is if I reapplied, which I did not, or if they reapplied for me, which I did not permit them to. It is a clear violation of my consumer rights.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To Whom it may concern : You are reporting this collection as an OPEN ACCOUNT which is not under FCRA XXXX. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2020-12-10
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: Harris & Harris, Ltd. (IL)

On XXXX XXXXXX/XX/XXXX, HARRIS & HARRIS , LTD add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA HARRIS & HARRIS , LTD has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/XXXXXXXX i notice some unusual transactions so i immediately call bank of america to find out what is going on and where is my money. i was told that due to a system glitch and just to wait. i file a claim on the XXXX my claim was close due to my account being one of the thousands that accounts were frozen. i call edd and they said my account was good it wasnt fraud and that it was bank of america. so i call bank of america and waited hours and getting hung up on finally got through to someone and was told claim was automatic close due to my account being frozen. so i explain to the lady that XX/XX/XXXXtold me my account isnt fraud. we argue back and forth so she transfer me to a supervisor and i ended up waiting over an hour just to find out the superviosr was in a different department and couldnt even help me except told me he will put in a complaint on my behalf. so i call bank of america back everyday to check my claims and was told all these lies and gave me the run around. all the employees gave me attitudes and talk to me like i was XXXX. i just want my money and im behind on my bills. today is XXXX the XXXX and nothing is resolved. i dont know what to do at this point. please help me get my money back. my dad just pass away XXXX XXXX i just need my money back.
Consumer complaint received 2020-12-10
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: U.S. BANCORP (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX, ELAN FINANCIAL add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is regarding XXXX XXXX account ending in XXXX. 

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. Neither XXXX, XXXX, Transunion, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Consumer complaint received 2017-12-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (OK)

There are 3 companies involved : American Financial Network ( AFN ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ). 

AFN agreed to complete a Streamline VA Refinance for my family, as a free service. 

The final paperwork had our new loan set at approximately $ XXXX higher than what we were told our old loan closed out at. When we inquired about this we were told that the $ XXXX was there to cover our new escrow account, and that the reimbursement from our old escrow would be used to pay the new loan back down to where it should be. 

We received our reimbursement from our old escrow and insurance, and now are being told to deposit that money into our new escrow account, because it only contains around {$800.00} and is short. 

When I ask again why the new loan is sitting at over $ XXXX higher than our previous loan, we get no answers. 

Now our yearly taxes are coming up, there 's not enough money in our escrow to cover the amount, and our loan is sitting at a higher amount than it should be while gathering extra interest that should also not be accruing. 

Attached is an email from XXXX with AFN stating that our increase in our loan is to cover our new Escrow account. 

My name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, OK XXXX AFN Branch Manager : XXXX XXXX Branch Manager | XXXX, OK XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ok. XXXX T : XXXX XXXXXXXXXXXX -- XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX was our closer - XXXX -- XXXX XXXX -- XXXX XXXX XXXX