davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Every couple months I view my credit report and find inaccurate items reporting on my credit report that should not be reporting. I have 1 account and inquiries that are reporting on my credit report that is inaccurate and doesn't belong to me
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XXXX XXXX I received a copy of my consumer report and I recognized multiple accounts listed on my consumer report fraudulently. XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX according to the FDCPA 15 USC 1692j ( a ) it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating
Consumer complaint received 2019-05-13
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BRite Financial Services, Inc. (FL)

My name is XXXX XXXX and on XX/XX/2019 i financed a car and the next day I gave the sales representative my tag information to transfer to the new car..they claim that its something wrong with the tag and that they have issued a new one and I have to pay XXXX now instead of XXXX.. My tag has been expired since XX/XX/2019 and its XX/XX/2019 and they don't want to issue another paper tag until the situation is resolved I'm ready to give the car back and go to another dealership
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Delinquent account — 
Company: ENCORE CAPITAL GROUP INC. (MD)

i had a credit card with XXXX from when i was in XXXX school. this credit card had fraudulent charges and i disputed them. no resolution was made from this dispute or i wasnt notified. i was unemployed for some extended period of time. XXXX sent the account to a collection agency with a balance for much that i dont owe. i owe for some of it it needs to be investigated and the dispute outcome needs to be showcased to me. the owed amount i would like to have a chance to pay in installments but only for whats owed. i was unemployed and no options were given to me for the balance that wasnt disputed
Consumer complaint received 2024-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This agency violates 15 USC 1681i. 

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC
Consumer complaint received 2015-07-27
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

I had a short sale offer that on a home that was approved on XXXX/XXXX/15 by HSBC. I contacted them for status on XX/XX/XXXX and was told that the short sale was still in the approval process. I received a letter from HSBC dated XX/XX/XXXX stating that the short sale had been approved.Because of this the buyers withdrew their offer. I decided to do a deed in lieu and started the process. Today, I followed up and was told that could not be done.
Consumer complaint received 2016-02-13
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NY)

There is a major issue going on with the Amex Serve card at the moment. People are attempting to withdraw cash from ATM 's, the money is not dispersed but it is still being deducted from their balance. 

For the second time in as many months I am sitting on the phone for hours with foreign based customer support most of whom barely speak XXXX and constantly repeat themselves as if they are reading from a script. I have asked for a supervisor and get hung up multiple times after waiting 10 to 20 additional minutes. Once this latest issue is resolved I WILL NEVER put another dime on this card, you ca n't trust them. This most recent time I attempted to take {$400.00} out of an ATM the bank denied it saying " {$400.00} EXCEEDS CARD CASH WITHDRAWAL LIMIT '' I thought this was strange ( the daily cash withdrawal limit is {$750.00} on the card, but thought the ATM had possibly had a {$400.00} limit ). I immediately tried again for {$300.00}, this time it went through with no problem, or so I thought. Although the ATM never dispersed the money, ( I have the receipts for all transactions and offered multiple times to send a copy or picture of them to American Express, they did not want them ) the {$400.00} BOTH the failed {$400.00} withdrawal and the successful {$300.00} withdrawal were deducted from my balance. I immediately called AE and was told that it would take up to 10 days to even start the dispute process and it could take up to 45 days for it to be completely resolved. I called back the next day and was told that yes, they originally thought it would have to go through the dispute process, but they saw a spike in these calls and realized they had a problem and were correcting them in batches. I was given a support ticket number and was told my money would be back on my account with-in 24 hours, It was not. I called back yet again and was told, once again that I 'd have to go through the dispute process and it would take 10 to 45 days. I 've NEVER had any kind of issue like this with any other bank or card. I 'm moving this weekend for a new job in a new city and that money is needed, NOW! The last time was an issue with XXXX XXXX pre-authorizing the card twice right at XXXX time for {$150.00}, XXXX XXXX bent over backwards trying to resolve the issue with Amex Serve yet to no avail it took a full 10 days for the money to be released from the erroneous hold, even though XXXX XXXX released it immediately. 
That money was almost the entirety of my unemployment benefit for the week, I have no other money. I need that money to move from XXXX to XXXX tomorrow for a job that starts on Monday. 
Here are some links to the post where I 've chatted with other people having the same issues : http : XXXX? XXXX XXXX : XXXX
Consumer complaint received 2024-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC :
Consumer complaint received 2024-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC
Consumer complaint received 2024-02-03
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)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-02-03
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. (FL)

I have yet to receive a real response or original contract and Ive been communicating with automated response but I know this is a stall tactic and my rights are being violated under 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) and the company doesnt seem to care so can you help please
Consumer complaint received 2017-04-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I have filed this complaint before and received a robots response of " The banks right to approve or deny a transaction even if there are no funds in the account. '' Paraphrased of course. Or the common term " Banks Discretion. '' Well last time I filed here I got a call from them and the rep upset me more. I let it go and went to the BBB. I got a letters response basically telling me that its in the " Fine Print '' or account disclosures. Which I responded with the single question of " WHAT CHANGED ON THE ACCOUNT BETWEEN LAST YEAR AND THIS YEAR AS TO WHY ITS THE " BANKS DISCRETION '' TO APPROVE OR DENY PAYMENT ON CHARGES THAT WOULD TAKE MY ACCOUNT OVER MY BALANCE? '' Copied verbatim from the BBB complaint. Thats the Question that has been skated around with a response of 'The Banks discretion '' and " The right to approve or deny .... '' Which does not really answer the question. I have about 3 emails since XXXX of 2015 saying that the payment method has been declined but will try again in a couple days or to change my credit card number. Basically the bank denied these charges 3 or more times previously, so i want to know why now all a sudden they allow them to be approved, as with more than a year ago they were declined? WHAT CHANGED ... ..? I would like research to be done as to WHAT CHANGED ... XXXX And the response of " Banks Discretion '' and " the right to approve or deny '' will not fly with me cause if it was your right not to pay it before even tho it was a recurring charge then as it is now, why change that right and pay it causing me to be over drafted? The last bank I was with didnt do that to me, why is it this bank is doing that to me? I understand I wasnt charged an NSF fee, thank you. But I would like to avoid all kinds of fees all together. And stopping recurring payments can not be done cause of these are subscription services and the only way to have them is to have it set up with a card. Its ok if they get denied. Ive seen they give about 2 weeks for the payment to go thru, which is enough time for it to go thru.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

I am a real estate working on a short sale for an XXXX borrower who is currently in a XXXX. I began working on a short sale XX/XX/2016 with Wells Fargo. Throughout the entire process, Wells Fargo has failed to communicate. They have made the process as difficult as possible. For example, it took over a month to get an authorization letter approved because they would n't accept the borrower 's power of attorney from her daughters. She is unable to make financial decisions and care of herself ( hence why she 's in a XXXX ), but Wells Fargo insisted I obtain an authorization letter signed by her. In the mean time, we wasted over a month. Then the file was closed out without anyone being notified even after I repeatedly called and emailed my negotiator. A foreclosure sale date letter was mailed to the home which is vacant ( again, the owner is in a XXXX ). And so neither myself or the owner 's children were notified properly. As it now stands, we have a solid cash buyer with at a fair market value price. There is no reason this short sale should n't be approved ASAP.
Consumer complaint received 2016-02-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (VA)

I have been making ACH payments through my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga for over a year. I found out de facto that XXXX had closed their business sometime after withdrawing my XXXX 2016 pmt. The company did not inform me and apparently sold my debt to Midland Credit Mgt. Midland immediately placed a dunn for non pmt on my credit reports. I am absolutely not responsible for any of these ocurrances. I have been paying this account faithfully & should not be penalized by their oversights.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/XXXX I first notified the credit bureaus XXXX, XXXX  and transunion of fraudulent accounts I noticed reporting on my profile. I have sent 3 certified letters asking the credit bureau 's to remove unauthorized accounts from my credit report. They responded with the accounts had been verified but refuse to tell me how they verified the accounts. They refuse to send any contact information of who they spoke with to verify these accounts. I have an active police report, identity theft report with the IRS and froze my credit profile. I sent the final certified letter on XX/XX/XXXX.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are non recognized and nonauthorized hard inquiries on my credit report please have them deleted
Consumer complaint received 2024-02-03
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. (AL)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is reporting an incorrect address in despite of me mailing multiple letters to them with my correct name and address. They have failed to remove XXXX XXXX XXXX XXXX from my file. I do not live at that address.
Consumer complaint received 2024-02-03
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. (TX)

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditors - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description of each creditor and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of XXXX 

XXXX XXXX : collection account - A charge off with a 3rd party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have the consumer reporting agencies delete this from my report immediately and indefinitely. XXXX XXXX XXXX
Consumer complaint received 2018-03-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (OH)

Sallie Mae is trying to keep me from being able to pay my loans. I have been a borrower since XX/XX/XXXX  Due to their unfair interests rates I am now owing XXXX. Since XXXX I have tried to work with them for some way to lower my payments. With my job, I was not making enough to make a payment of ovwr a grand a month. Sallie Mae lies. Numerous times, I have tried to forebear my loans. Somehow, they always fprget one to three loans ( I have 8 ) and I end up getting markes for a late payment ( when the loans are suppose to be forebeared ). I have talked to the agents numerous times about repayment options. I was told to let my loans go into default, then their will be better options! By the customer advocate department! So even the employees know Sallie Mae is full of XXXX. I also realized how I was connected in the XXXX situation. They tried to hide that too! I am over Sallie Mae not giving their borrowers better repayment options.
Consumer complaint received 2024-02-03
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. (GA)

This agency violates 15 USC 1681i. Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT or the Accounts. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC :
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I Called XXXX XXXX And trans union trying to get these credit inquires off my credit report which are effecting my score. All have told me well just to lock my credit and they cant get the inquires off my report. I only have XXXX accounts XXXX with XXXX XXXX  and XXXX with XXXX otherwise they are not mine. would like for them to come off my score so i can start making my credit better.