davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.
Consumer complaint received 2022-04-16
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX for the amount of XXXX dated XXXX for XXXX XXXX XXXX, account XXXX dated XXXX for XXXX XXXX XXXX XXXX and account XXXX for XXXX XXXX has violated my rights.

15 U.S.C. 1681section 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.
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

Im sending this complain to inform you department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am athis complaint myself. Please see this complaint is processed to the letter of the law. 


This account/ item is unknown to me. Also, the information you provided on this account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2016 Balance : {$520.00}
Consumer complaint received 2022-08-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/XXXX, XXXX XXXX Experian XXXX XXXX has not responded/ replied/ answered to my dispute. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (CA)

I received an invitation to enter into a contract by way of accepting terms by my silence if not replied within 30 days in XXXX of XXXX by Caine & Weiner, I disputed this companies validity of debt XX/XX/XXXX by Certified US mail. Merchant never validated the ownership of this debt, XX/XX/XXXX creditor illegally reported this account to credit bureaus without validating ownership of a debt.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am requesting this myself for you to take necessary action about the errors being reported on my Transunion Report. I am so baffled about this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Transunion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. You are XXXX, XXXX liars! You claimed that you verified these accounts but provided no documents. I haven't heard any response from Transunion and it made me lose my patience. They have violated Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Enclosed here are my FTC report and Police Report I filed on my local Police Department for your reference Below, are the items they should DELETE from my file. Again, this is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}
Consumer complaint received 2022-02-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (VA)

Subtrust bank does not want to for my bank fees that were caused by them, They allowed XXXX XXXX to take out they're monthly fees but not annual fees which in turn caused XXXX XXXX to charge me a late fee. When I tried to resolve the issue that they caused, they told me to call XXXX XXXX. I told them XXXX XXXX had nothing to do with this and they refused to pay the fees that they caused.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am requesting this myself for you to take necessary action about the errors being reported on my Experian Report. I am so baffled about this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. You are XXXX, XXXX liars! You claimed that you verified these accounts but provided no documents. I haven't heard any response from Experian and it made me lose my patience. They have violated Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Enclosed here are my FTC report and Police Report I filed on my local Police Department for your reference Below, are the items they should DELETE from my file. Again, this is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, -Charge
Consumer complaint received 2022-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My mortgage was taken out on my home almost 7 years ago. Since my mortgage, I have made my monthly payment on time, every month. That is almost 80 months in a row of on time payment. My previous servicer, XXXX, required me to maintain a reasonable escrow amount. In XXXX, New Rez purchased the servicing rights to my mortgage. After 6 years, they arbitrarily decided that I am required to keep 1/6 of my anticipated annual escrow payments. This is not a minimum cited in the Texas statutes, but a figure that the escrow balance " can be up to 1/6 ''. To be clear, this is the maximum they can maintain, not the " required '' amount. NewRez for the second year in a row since purchasing the servicing rights, is jacking up my escrow amount to the maximum, even though their own escrow analysis indicates that at no point did my balance go below {$1100.00} in reserve in the previous year and it is projected to be no less that almost {$800.00} in the next 14 months. The " required amount '' they claim is not a legal nor regulatory requirement. 
Additionally, after complaining twice to the CFPB about NewRez 's escrow practice, and the Texas Attorney General 's office, NewRez sent me an escrow refund of over {$150.00} last year. If my balance contained enough of a cushion that they refunded me money in XXXX, why are they jacking up my escrow requirement to the maximum again. I implore the CFPB to open an investigation into NewRez. They have abusive mortgage servicing practices that cause real consumer harm. They purchase servicing rights to mortgages, like mine, then immediately required unreasonable and unnecessary escrow balances of these new customers.
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WASHINGTON FEDERAL BANK (AZ)

*I was unable to locate my previous complaint filed on XX/XX/22 and I was just trying to add to it and not file an entirely new complaint - but never received an email so not sure if it went through* WaFd bank purchased my mortgage around XX/XX/22. Since then it has been difficult to make a payment. We had to set up autopay, which included several phone calls and filing an official ticket, for whatever reason this was not an easy process online. After that we were trying to make a one time payment for the first two mortgage payments that we owed this lender and we were told by at least two separate people that we could not make a one time payment online or over the phone that we had to go to a branch. Unfortunately we could not go to a branch. I've never had this difficult of a time to make a payment. Then the last time we called we were told to just wait for autopay which then took out 3 payments ( over XXXX ) over 3 days to get us caught up. I thought that was the end of the ordeal, but we just figured out that WaFd reported the late payments to the credit agencies and it hit our credit scores. This was reported by WaFd on XX/XX/22, which was within the 60 day grace period that we had after WaFd purchased our mortgage which would've ended on XX/XX/22.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on these accounts. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and were flagged as being past due. The disputed accounts are listed below. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX XXXX Balance Owed : {$1300.00}
Consumer complaint received 2022-04-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Credit card is supposed to give 1.5 % back on all purchases which is not happening. I called on this problem and they will not help me. I tried going online with no success. Representatives are rude. Also, voicemail menu is extremely difficult to navigate. It has trouble responding to any identifying words you use and often times brings you to the wrong department after waiting on hold. Representatives are unhelpful and almost all the time do not resolve or properly explain what the problem is and how to solve it. All of the time they act like they do not understand the problem no matter how detailed and articulate you explain yourself. Getting a manager on the phone or corporate is basically impossible.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VALLEY NATIONAL BANCORP (NJ)

I was in XXXX XXXX from XX/XX/XXXX until the morning of XX/XX/XXXX, and my debit card was stolen. I didnt realize that my card was missing until XX/XX/XXXX afternoon. By that time, someone used my debit card in over a dozen locations, totaling over {$1100.00} dollars spent in less than 24 hours. They didnt have my pin and were using it like a debit card, Valley had no internal controls in place and never froze the card or blocked a transaction. When I called to dispute, I received a letter 10 days later from XXXX XXXX stating that my statements were inconsistent and that I can call back to appeal. Over a month since the letter has passed, I tried calling her hundreds of times and always go straight to voicemail. I am disgusted by the customer care at this bank, I am XXXX XXXX XXXX and had an account with them since I was an XXXX and this is my first ever dispute
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XXXX XXXX, I thought about getting my first car so I decided to check on my credit report. I seen that there is an open credit card on my file that I have no idea of, I tried to file a dispute with the XXXX credit beraus and they declined it because said that it was accurate information. I really need help with this I dont know who what or how someone did this in my name but it has to stop.
Consumer complaint received 2022-04-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I sent Transunion a letter disputing the XXXX XXXX XXXX  account they are reporting on my credit report. I received a credit report on XX/XX/XXXX stating they verified the account and it will remain on my credit report. I sent a follow up letter on XX/XX/XXXX due to my disagreement with their results. They responded with a letter on XX/XX/XXXX saying they had completed their investigation already and unless I had other proof they were not going to investigate it again. On XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I was sent back a letter showing the account was verified as accurate on XX/XX/XXXX. I then sent another letter on XX/XX/XXXX stating multiple errors are still being reported. I received a credit report on XX/XX/XXXX that the account is verified and remains. I sent in one last report on XX/XX/XXXX asking for the method of verification as I know this account was not verified. On XX/XX/XXXX, I received a credit report showing the account was verified and accurate, but was never told how the account was verified. How is that possible when there were no payments made in XX/XX/XXXX? Nothing had been done to correct this account, even with proof. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. As I look back over my reports from Transunion I can see that the amounts that were paid in XX/XX/XXXX change throughout the course of the last year. Where is the proof payments were made and how much were the payments??? I am appalled that Transunion would continue to let this account show errors. This account needs to be deleted.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I tested positive for XXXX on XX/XX/XXXX. I tried to pay my Kohl 's charge, while I was sick, but the system was down a couple of times I tried to pay it. And I couldn't get to the store when I was sick with XXXX. My payments due date is the XXXX of month. This payment was posted to my account on the XXXX. I am trying to buy a house. I was informed that days before closing, my lender dropped me. My score had dropped XXXX points. Because Kohls reported this as 30 days late. When it was not. Now I have to redo my loan, I was trying to do a USDA loan. I have to now do a FHA loan, because my score has dropped so far that I can't even do a conventional loan. I was at the point of getting a cleared to close date with my usda loan. So I already paid for the apprasial, which was about {$680.00} dollars, a well inspection of {$270.00}. Along with other fees, that I am working on getting documentation for. This in accurate reporting is costing me 100s if not 1000s of dollars for inaccrate reporting.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

I purchased furniture along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX protection plan from XXXX XXXX ( at XXXX XXXX XXXX XXXX, TX XXXX XXXX ) on XX/XX/2022. On XX/XX/2022, I sent a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX ) requesting a complete cancellation of the {$290.00} protection plan and full refund along with the XXXX XXXX sales invoice, and the Original and only XXXX Protection Plan agreement that was provided to us at the time of sale at XXXX XXXX. At the top of the XXXX  agreement it says Agreement Number : XXXX and at the bottom of the XXXX agreement, it says XXXX. The agreement states on Number 4 ( Conditions ) - Section G ( Cancellation ), You may cancel this Agreement for any reason at any time. In the first thirty ( 30 ) days You will receive a full refund upon cancellation. To cancel within ten ( 10 ) days of receipt, contact the Selling Retailer of Your Agreement for a full refund. After ten ( 10 ) days, contact the Administrator ( Administrator means XXXX XXXX XXXX ) in writing with this Agreement and a copy of your sales receipt to receive a full refund. The certified letter was received and signed for by XXXX XXXX at XXXX on XX/XX/2022. We have provided absolutely any and absolutely every original document/agreement/sales invoice that was given to us at the time of sales at XXXX XXXX when we sent everything certified mail. XXXX is still refusing to cancel and refund the cost of the {$290.00} protection plan. We have filed XXXX XXXX XXXX complaints against XXXX XXXX and XXXX. It is fraud and a scam on the part of XXXX XXXX and XXXX refusing to refund the {$290.00}. I am disputing this amount of {$290.00} charge on my Synchrony Bank card. I have attached all original documents already received and signed for by XXXX.
Consumer complaint received 2022-11-01
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$840.00}, XXXX - XXXXXXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$3100.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.