davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
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. (MO)

TRANSUNION has committed fraud and has also committed more than 1000 violations under the FCRA.

Transition is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 )
Consumer complaint received 2021-06-04
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. (TX)

I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.
Consumer complaint received 2022-06-20
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2021-06-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (NM)

A credit alert for a derogatory account was placed on my account on XX/XX/XXXX by Commonwealth Financial at the behest of XXXX XXXX XXXX XXXX for {$1600.00} -- TWICE! 

A credit alert for a derogatory account was placed on my account on XX/XX/XXXX by Commonwealth Financial at the behest of XXXX XXXX XXXX XXXX for {$1600.00}. 

A letter demanding payment for two separate amounts of {$1600.00} was sent to me with a date of XX/XX/XXXX by Commonwealth Financial at the behest of XXXX XXXX XXXX XXXX. All parts of this letter are attached as files to this complaint. 

This is a bill for an ambulance with a date of service in California from XX/XX/XXXX. It is now XXXX and I live in New Mexico. I do not owe the company this money. I did not acknowledge the debt and " reset the clock. '' This company is attempting to ruin my credit in order to illegally intimidate me into paying.
Consumer complaint received 2021-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (MO)

Asked them to validate the alleged account by sending me a LEGAL signed contract. All they sent me was statements for a name that is not mine at an address I do not know. But no legal contract proving I owe this debt or ANY contract that I would have with them that would give them any right to collect the debt AND report this item to the Credit bureaus! Therefore they are illegally reporting this account to all bureaus, thereby being HIGHLY injurious to my credit reports AND my reputation AND hurting my chances of obtaining ANY credit in the future! 

I NEED THIS ACCOUNT REMOVED FROM ALL CREDIT REPORTS AND FOR THE COLLECTION EFFORTS TO STOP! 

I am ready to file suit against them if they fail to legally and accurately respond to my latest letter datedXX/XX/2021
Consumer complaint received 2021-06-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

I have my final mortgage payment today. I am also a deposit customer of PNC. I couldn't make my final payment online, so I called in. They told me that they have to either fax or mail me a payoff statement and that my only options to pay my mortgage off were by cashier 's check or wire transfer. This is not an early payoff ; it's just my last payment. I asked for other options since my payment is due today and I can not wait for a payoff letter, nor can I have one faxed. The agent, XXXX, told me those were my only options. Even though I maintain a deposit account with PNC, I could not just make the payment to them digitally or over the phone. I have to physically go into a PNC branch, have their payoff department fax a payoff statement, and then submit a wire transfer ( to my own bank ) for the payoff. It's 2021 and they are still processing mortgage payoffs like we did in the XXXX. They offer no other options other than forcing me to take time off work to go to a branch and handle this in-person, during a pandemic. If I waited for them to mail a payoff statement, the payment would be late. This is incredibly customer-unfriendly, and it seems they're purposefully making the process of paying off a mortgage as troublesome as they can. I asked to speak to a supervisor and was denied and told they will just tell me the same thing. I asked to file a complaint and the agent told me she took my compliant, but couldn't give me any kind of confirmation.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NC)

Rocket Mortgage ( Quicken Loans ) gave me a pre-approval to buy a condo in XXXX XXXXXXXX XXXX XXXXXXXX XXXX the buyer of this condo accepted my offer back in XX/XX/XXXX. After months of waiting for a closing ( closing date was supposed to be XX/XX/XXXX ) they called me last Friday to tell me that they received a questionnaire from the HOA at the resort and because there are rentals at this resort Rocket Mortgage declined my mortgage. This questionnaire to the HOA should have been done prior to my pre-approval and my mortgage acceptance. 

I have been paying rent on this condo since XXXX waiting for closing and I spent {$5000.00} to move from XXXX NY and now I might have to move because buyer is tired of the wait.
Consumer complaint received 2021-07-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credova Holdings Inc (VA)

I purchased a American Eskimo from a pet store in XXXX at the very start of what would become the COVID pandemic and was told that I could get a loan with no interest on the dog. I was guided through the application and signing at the desk with a staff member who did not show me any paperwork, said everything to me word of mouth and instructed me to sign documents that were not viewable until after everything was done. They completely lied about how the entire operation worked. My plan was to get the puppy and then use my tax return to pay off the sale amount around a month later. When I called Credova to pay off the dog they told me that I had to pay well over XXXX dollars with a XXXX sale price. I tried to return the dog because I couldnt afford it but they told me that I will still be responsible for the entire amount and that I was leasing the animal. I HAD NO IDEA this was never shown to me or instructed until after my paperwork was sent after the sale was done. 

Fast forward until now, Leasing animals in Virginia is illegal ( i was not aware ) they have sold my account to collections, XXXX XXXX for a amount owed of XXXX. This is absolutely frivolous and new to me against the law. The contract I viewed clearly states I am leasing which is clearly illegal. I am terrified this will go on my credit or I will continue to be harassed with letters after I told them I was taken advantage of at the store and could not afford that amount.
Consumer complaint received 2021-06-04
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. (CT)

I submitted a dispute to the bureaus on XX/XX/2021 in regard to inaccurate information but the bureaus have yet to respond to my dispute or send me any documentation that they have verified the accounts or the derogatory information ; it has been almost 60 days and the bureaus are only supposed to have 45 days at maximum to do this! This is beyond frustrating for someone that is trying to get things straightened out and taken care of where this derogatory/false information could hinder and impact my livelihood!
Consumer complaint received 2021-06-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I have filed 2 previous complaints, the last one was XXXX. The name of your agency is CONSUMER Financial Protection Bureau. I don't understand why you accept any answer from Wells Fargo, then close the case. They didn't answer my question last time, they simply resent a bunch of paperwork that they did the time before, so it looks like they are responding. My question is exactly the same as the last complaint. 

I have been communicating with XXXX XXXX at Wells Fargo, since before XX/XX/2021. I paid off a line of credit based on my online balance. They even asked me if I wanted to close the line of credit, or leave it open. I left it open. Then they came back with approx. {XXXX} in interest that was still owed. I asked for a spreadsheet with information showing me how they came up with this. The spreadsheet clearly shows they carried interest forward over many months while I paid large amounts to pay off the loan, over time. My contract with Wells Fargo clearly states : " Application of payments. Payments will be applied in the following order : First, to the accrued but unpaid promotional Finance Charges due : next to non-promotional Finance Charges due : next to any Fees that have been charged in accordance with the terms of the Agreement. The remainder of any payment will be applied first to any unpaid promotional Advances and then to any non-promotional Advances. Promotional Advances and Finance Charges refer to offers to use my Account on special terms that you may make to m from time to time : ... '' Clearly this did not happen or they would never carry forward an " unpaid interest '' amount, when I paid over the payment amount. I emailed XXXX XXXX on XX/XX/2021 after I received her response. I asked her for clarification on why this wasn't followed, but got no response. Therefore, I need you to interfere to correct this, or my only option after that would be to take them to court. 

I'm not sure what value this XXXXureau is if you aren't listening to the CONSUMER!
Consumer complaint received 2021-07-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I submitted an international wire transfer to a school in XXXX to pay my son 's tuition. On XX/XX/XXXX, I asked for a recall of the wire transfer. Basically, my payment was no longer needed. Last week, on XX/XX/XXXX, Citi received the funds from the XXXX correspondent bank, but Citi has failed to redeposit these funds into my account for the past 2 weeks. I have not been given any explanation for this delay. 


The Case number is XXXX
Consumer complaint received 2021-12-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

Another Lie again from Mr. cooper They claim they're sending resolution letters when they are only acknowledging the complaints to only stall then ask for redundant information that was already supplied .. they had 1040 already on file from prior years they had itemized information from my unemployment when the total income provided from the government itself 4056t was signed yet in XXXX when i provided updated income after they waited for the XX/XX/XXXX mod to expire then the next year they say they still needed a 1040 when i haven't even filed taxes for that year so all the information would have been provided on the prior 4056t showing nothing was filed yet they kept up with the narrative that they NEED my 1040 along with the same documents less than 60 days from a person with a fixed income from the government. I email MR cooper and told them i would agree to a modification but im not incorporating extra interest cause it wasnt my fault on the delay and they have lost paper work or lied since the beginning BECAUSE OF THIS COMANIES hard stance i had. Where in these letter dated on the days they say do you se a RESOLUTION??? Its more trickery with words and schematics because time and the government is always on their said All of the of these DENIAL DAYS ARE MISLEADING since XXXX Mr cooper has YET to produced a complete concise modification documentation that shows all instruments that were necessary to consider my worthiness but they supply a lot company propaganda that keeps them marginally compliant within the definitions of federal and state laws where do these resolution letters fall within the 1024.35 Error resolution procedures. statutes?? Because MR cooper says the magic catchphrase we determined that no errors are committed all is forgiven and lets proceed with our cover up and designed foreclosure process Mr cooper You need extra time to pull documents that should be readily available on your server? You disingenuously send form letters in attempt to show you're compliant but its just that you're a PROFESSIONAL SWINDLER if its not a 4056t you need a 1040 if not that you need a hard ship affidavit or you need income and all this is being SUPPLIED DIRECTLY TO YOU AND YOU STILL DROP THE BALL .... these attachment show on the day cooper claims i got a " resolution letter '' it was just acknowledgment of complaint and when deadlines were needed to be met I MET THEM and then they allowed this to be drawn out and then i got very upset about the lost of time and the accumulated interest and after EVERYTHING I ENDURED I HAD ENOUGH OF THIS!!! 


please MR COOPER SHOW ME WHERE THESE " RESOLUTION LETTERS '' RESIDE ON YOUR PLATFORM I SEE COMPLAINT ACKNOWLEGEMENT LETTERS COME ON USE YOUR BIG BRAIN AND TELL ME HOW THIS ISNT MISLEADING AND HOW YOURE NOT TRYING TO FABIRACTE THINGS TO YOUR OWN END MR COOPER
Consumer complaint received 2021-07-10
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. (TX)

After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 days. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.
Consumer complaint received 2022-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (NY)

I recently noticed that Earnest had been applying debits and credit to my account labeled " adjustments ''. The credited amounts always equalled the debited amounts, they cancelled each other out, so it didn't raise any red flags to me. But then I noticed a debited " adjustment '' to my loan account in the amount of {$87.00} -- and there was no credit to offset it, so I called Earnest in XX/XX/XXXX to flag this. I auto-pay my student loan monthly and have a fixed interest rate so there's no reason for my account to be charged a fee of any kind. 

The explanation I received from the Earnest customer service representative was that the " adjustment '' charges were the result of me overpaying interest, and that in XX/XX/XXXX my account started being refunded/ credited back for those overpayments. The representative also said that I should have received a check in the mail in XX/XX/XXXX for {$3.00} which represented another refund " adjustment ''. Once I pointed out that I saw no evidence of my account being refunded at all in XXXX or XXXX, nor had I received any checks in the mail from Earnest, they backtracked on their explanation ( email excerpts below ). 

Unfortunately Earnest 's explanation was very vague given loan repayment is a process that should be carefully documented. Especially given Earnest is servicing a student loan that is valued at close to $ XXXX. It doesnt make sense to me that when I have a fixed interest rate Earnest cant properly calculate the interest payment each month. 

-- - ( email excerpts ) Earnest on XX/XX/XXXX at XXXX PT : " Hi XXXX, I have actually just received a correction from our team processing the refund. It seems that they were actually able to apply it to your principal balance. 
I apologize for all of the confusion, I was not aware that they could do this. Please let us know if you have any further questions. '' Me on XX/XX/XXXX at XXXX PT : " When was that done? I dont see it as an adjustment anywhere in my loan history. 
Thanks, '' Earnest on XX/XX/XXXX at XXXX PT : " Hi XXXX, The original refund was initiated back on XX/XX/XXXX. You will then see the adjustments to make the refund the correct amount in the adjustments that were done between XXXX and XXXX. The total refund amount that was applied to your principal balance was the {$3.00}. 
I hope this helps. Please let us know if you have any further questions. "
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TRANSUNION broke the law with not responding to me I have mail tracking proof and they verified my accounts which is against law 's usc 15 1609 fdcpa please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


Bankruptcy XXXX XX/XX/XXXX DELETE XXXX XXXX XXXX  XX/XX/XXXX DELETE XXXX XXXX DELETE THE FOLLOWING ACCOUNT SHOULD BE ON TIME AND OPEN NOT CLOSED XXXX XXXX XXXX THIS ACCOUNT IS CURRENT AN ON TIME NEVER LATE UPDATE TO OPEN XXXX THIS ACCOUNT IS CURRENT ON TIME NEVER LATE UPDATE TO OPEN