davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My concern is that An account from the company " XXXX XXXX '' with A late payment status on XX/XX/2022 was previously removed from all 3 credit reporting agencies the next month XX/XX/2022. But as of XX/XX/2022 the Late Payment reappeared on all 3 credit reporting agencies without my consent, without notifying me first, and without explaining why this previously deleted item is reappearing on my credit reports. And they want to keep claiming it's been verified but not tell me how. Futhermore my concern is COMPLIANCE. They have violated COMPLIANCE.

The credit bureaus are operating out of compliance. Due to the fact stated in the Consumer Financial Billing Act. I should be contacted before anything is placed on my credit report that has the potential to adversely affect my report. Also, I'm supposed to be contacted within 5 days before, I repeat before this is placed on my reports, to offer an explanation. In this case I was never called, emailed or received A letter. 

The Deletion changes are all documented within the cfpb database ; CFPB XXXX XXXX Responded XXXX ; " The disputed item is appearing just as you stated it should, on your current XXXX credit report. The account is being reported as never late. A credit report is being mailed to your attention for review and confirmation. '' Unquote. 

CFPB XXXX XXXX Responded XXXX On the credit report it shows, " No Delinquency, No, Never Late and Paid as agreed. ''
Consumer complaint received 2023-05-15
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)

I have sent in multiple disputes asking that both XXXX and Transunion verify these accounts. I have not been provided any proof of these accounts being verified. I attached my XXXX credit report showing that both XXXX XXXX- Rooms to go and XXXXXXXX XXXX XXXX XXXX has been removed. This is a direct violation of my consumer rights. Not only arent they actually verifying the debt but it has been removed from one credit report. Please delete these accounts immediately.
Consumer complaint received 2023-02-10
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CREDIT ACCEPTANCE CORPORATION (IN)

My payment was due on XX/XX/2023. On XX/XX/2023 ( Sunday ) I receive 3 calls from phone number XXXX. I spoke to a representative on XX/XX/2023 at XXXX XXXX The I advised the representative my bill is less than 48 hours past due and I have received several call already, yesterday was Sunday and the banks are not open here.The representative informed very rudely " if you just pay your bill, we stop calling. '' I advised him again it is just now due and for him to not call me again. I received 2 more calls that day. 3 calls on XX/XX/2023 3 calls on XX/XX/2023 3 calls on XX/XX/2023 ( made the payment and a complaint ) and received XXXX call so far today from that number and several other calls from this company on a different number.
Consumer complaint received 2022-07-12
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. (GA)

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

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 an account without my written instructions
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I am requesting information on my delinquency or derogatory behavior. I want any potential negative information to be confirmed and would like to know the absolute truth and facts about it, even if it is certified. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG, " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (SC)

this is the 3rd time informing you guys of Truist ways they have now closed my account because of fraud done on my account that I did not even have a bank card for, every transaction i had to transfer from one account to another until XX/XX/XXXX i transferred money and they made the account look as if i was able to withdraw from an account i never received a card for. Trust owes me over {$700.00} for allowing XXXX to take money out of my account where they refused ot dispute the transactions they owe me {$600.00} in claims for fraud done on my account in XXXX and XX/XX/2023 and they owe me for disputes that they never disputed such as XXXX, and other transactions ... they denied all three claims that where fraud, yet truist even had he incorrect claim amounts which shows they did not investigate this properly and they need to be audited by another dept because they have taken my money and showed they have need to refund my money ... .or they will face
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-03-15
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. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$110.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$64.00} ; XXXX ( Original Creditor : ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed XXXX {$8600.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In my consumer report with XXXX, XXXX, and Transunion consumer reporting agencies, there is inaccurate information being reported. According to the ( FCRA ) Fair Credit Reporting Act, it is your responsibility to ensure the accuracy and fairness of credit reporting. I discovered these inaccuracies when I checked my consumer report on XX/XX/XXXX on the websites of each consumer agency. My address, incorrect employment name, and date of birth are all reported incorrectly. Along with this complaint, I have attached a letter that I sent to all three consumer reporting agencies on XX/XX/2023 through the USPS mailing service, and the letter was sent certified, containing the accurate information that should be reported on my consumer report.
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (GA)

This complaint is regarding accounts. Per tracking, its been several months no information given, no investigations performed and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting.
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (UT)

I paid in full Synchrony bank for Sam 's Club credit card {$680.00} twice. Once on XX/XX/XXXX and again XX/XX/XXXX thru their online payment portal. I was given an error when making the original ( first ) payment stating it did not go thru so the next day i made it again. However both payments went thru. When I contacted them, the agent advised me to make a stop payment on one of them thru my bank, which I did. I made a stop payment on only one payment. On XX/XX/XXXX I reordered a new card, I was told their backline department had incorrectly made a payment correction and it showed I still owed the {$680.00}. There has been been 3 separate cases opened on this thru Synchrony Bank managers ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I was also told it was sent to the finance department to fix. I also filled a corporate complaint on XX/XX/XXXX. Since then I have been dealing with them trying to get this corrected and get credit for the payment paying my card off. I have provided statements and tracing numbers from my bank. Every month I have had to contact them and dispute this. They have just sent me a letter stating the information I have provided hasn't been enough ( full bank statement ) and tracing numbers provided to me by the bank and once again it is showing I still owe {$680.00}. According to my bank, the second payment made on XX/XX/XXXX was the payment that was stopped and the original payment of {$680.00} went thru and Synchrony bank received the funds. I have filed a corporate complaint a XX/XX/XXXX amd did not hear back. 
Please help me finally resolve this. I have done everything they have asked me to and provided all documentation that I can. I am attaching my statements showing both payments and the one stop payment as well as the trace numbers provided to me by my bank. Please help me.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (KY)

In 2015 I first contacted all 3 bureaus requesting a correction, monitoring and also tried to dispute the accounts that I didn't authorize. I sent in all identifying info they asked for. Still no changes. I am still having problems with the same issue please assist me in correction of this situation.
Consumer complaint received 2023-01-03
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. (PA)

Hello, My name is XXXX XXXX and I am a victim of identity theft i have not made these charges and i demand these these be removed from reporting onto my credit report. Again I am a victim of identity theft and according to federal laws these should not be reporting as theyre not mine so needs to be ceased.
Consumer complaint received 2023-02-28
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. (IL)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX Balance XXXX XXXX {$1400.00} XXXX XXXX XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$49.00}
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional Violations : 18 U.S. Code 1341 - dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure or selling my personal information without my consent. 15 U.S. Code 1692d ( 1 ) - for destroying my reputation. 18 U.S. Code 112 ( b ) - for attacking or endanger my liberty as a non-citizen national of the United States due to negative report/s without my consent. 18 U.S. Code 2340A - Torture due to unlawful negative reported, distributed, released, or shared without my consent. Lesley Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal Nov 14,1995 ) - Liable for willful non-compliance because of not removing the negative reports which is being reported without my consent. 15 U.S. Code 1681b ( 2 ) - Reporting without my consent. 15 U.S. Code 1692a ( 1 ) - Pretending to be a credit bureau. Demanding Cease and Desist asap. 15 U.S. Code 1681 ( 1 ) - Inaccurate credit report due to no consent reporting. US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs Chase Manhattan - inaccurate reporting due to intentional defamation/ no consent reporting.
Consumer complaint received 2023-01-03
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. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (NH)

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. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

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 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

My home burned down on XX/XX/XXXX. It was a total loss. I notified our mortgage company ( PennyMac ) of the loss. The insurance company issued a check to me & my mortgage company. I endorsed the check & submitted it to the mortgage company ( PennyMac ) by certified mailthey received the check on XX/XX/XXXX. The funds were not applied to my mortgage @ which I contacted ( PennyMac ) to question why? I was told that they didnt know what to do with the funds, I was instructed that I had to request a payoff from the mortgage department, print it off, write the company a letter instructing/giving them the permission to apply the funds to the mortgage. That request was completed & sent to ( PennyMac ) on XX/XX/XXXX. I followed up with a phone call on XX/XX/XXXX, Spent over two hours on the phone only to find out that that still had NOT applied the funds to the mortgage. At that time I was told that the funds were in a restricted escrow account and that I had to pay the remaining balance in full before they would apply the insurance funds to my mortgage. On Monday XX/XX/XXXX we wired an additional amount of {$32000.00} to ( PennyMac ) which should have covered the rest of the mortgage minus the accrued interest & additional fees. PennyMac contacted me on XX/XX/XXXX to inform they had received the funds but I still owed {$1800.00} and they still will not apply the insurance funds unless I sent more money. 

PennyMac has set on the funds for more than a month ( Im sure they are drawing interest on {$240000.00} is substantial ). All the while they continue to charge me almost {$50.00} a day in interest which adds up to more than {$1500.00}. 

As of today after spending another hour on the phone PennyMac refuses to apply the insurance fund to my mortgage unless I pay them more. They have more than {$270000.00} of my money & they refuse to apply to my mortgage. 

There are thousands of customer complaints against this company. I have lost everything I own, I dont have clothes or a home and this company have the balls to treat the customers this way. Basically they are holding all my funds hostage until I send them more money. I in good faith have made every effort to pay off this loan. 

At this point I can not move forward. I cant rebuild or even get a loan because they will not apply the insurance funds that they have had for 32 days to my mortgage. 

I am at a loss at what I can do. They are money gougers.., nothing but greed. These loans are not set up to help the consumer.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

All known ( XXXX  ) customer service numbers answer but do not allow for any prompts and will eventually hang up. 

There is no online option to make a payment via their web portal. 

At this time i do not know of a way to make a payment.