davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-31
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. (IL)

Recently, I did an investigation on my credit report which caused serve XXXX upon me and I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) and the understood STANDARDS of acceptable lawful COMPLIANT REPORTING STANDARDS such as the METRO 2 Five Points of Compliance and other potentially applicable standards and or regulatory requisites of reporting I am rendering this officially writ consumer CHECK OF COMPLIANT REPORTING and CHALENGE versus any and all DEFICIENCIES of reporting and or inability to DOCUMENT factual reporting verifiability of validness, truth, accuracy, completeness, timeliness, ownership ( s ) of responsibility, and or certifiability of the mandated compliant PROCESSES of reporting and mandatorily perfect complete certifiable METRO 2 FORMAT compliance of reporting standard ( s ). 
Beyond this, I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data, or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. REPORTING REQUISITES and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to requisites of certifiable compliant reporting PROCESS and or FORMAT ( ie METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable. 
I do not recognize the information listed below as having ever been demonstrated factual in reality much less certified compliantly reported in the mandatory processes of reporting and with the factually perfect and complete certified mandated format ( METRO 2 ) of reporting standard ( s ). For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. 
I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY!
Consumer complaint received 2023-06-23
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. (MO)

This is another request to demand to the Credit Reporting Agencies to remove the fraudulent items and information off of my credit File in accordance with the Frair Credit Reporting Act section 605b. As much as I appreciate the removal of a portion of the disputed items, I am still disappointed in seeing that they have not completely removed all the disputed items. Let me remind the Credit Bureaus that per the Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account that was opened without my knowledge, consent, or authority within 4 business days. The items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX were never authorized and must be removed as soon as possible. I have been disputing for the removal of this item from my Credit File for a long time and yet the Credit Bureaus have been ignoring my requests for this item to be properly investigated and removed. The Credit Bureaus continued reporting of this item is a clear violation of my rights under the FCRA. If the Credit Bureaus claim this item is 100 % accurate and verifiable, then I need them to provide me with copies of any documentation associated with this item which bears my signature, as I believe none exists. It has been over 30 days since I started to dispute this item and yet the Credit Bureau have been failing to provide any signed documents proving the legitimacy of this item.
Consumer complaint received 2023-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I checked my credit report and noticed a collections account for an apartment complex that I've never lived at or signed a lease for. This is identity theft and fraud and they are trying to collect on a balance that I do not owe, they are unable to provide a copy of any lease or form bearing my signature, proving that I signed a lease to live there ACCOUNT : GENESIS CREDIT Original Credit : XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

see complaint XXXX not resolved communication issue. XX/XX/24 XXXX Calling me XXXX XXXX on my voice mail. UNACCEPTABLE! I will not tolerate calling me names and leaving condescending hateful voice mail messages. UNPROFESSIONAL CONDUCT. 

Hi, XXXX XXXX, this is XXXX. Um calling you again from select portfolio servicing. Um I'm trying to get a hold of you. I definitely wan na be able to help you with your claim process. Um I think this is the third message I've left. Not that I'm counting or anything like that, but I wanted to um be able to help provide service for you. Um Again, my phone number is XXXX. I, I know you've been going through a lot and I don't wan na interrupt your day to day. Um, but I wanted to try to call you at different times. So it's um XXXX right now, I think uh yesterday I called around XXXX No you actually called me 3 times on XX/XX/24 while I WAS WORKING repeatedly XXXX, XXXX, XXXX
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (PA)

Recently had an annual subscription renew. Soon as the company sent me a receipt for the payment, I transferred money via XXXX to cover the expense. I used XXXX due to no local branches being in my general area. XXXX transactions are typically instant. However, this was not the case, the transaction ended up not being deposited till XXXX days later. This would have been still within the XXXX time frame of preventing a second overdraft for the same transaction. Even though the transaction shows deposited, the bank then flagged the transaction delaying it additionally and due to the delay charged me a secondary overdraft fee for not bringing the account to the positive within 7 days. I have tried calling the bank to resolve this, they're answer was even though their system delayed the funds when they tried to refund it the system would not allow. This has been a repeated issue with this bank and since each refund is listed as a courtesy refund, they say they are no longer able to process a refund on my account even though it was delayed at no fault of my own. Both the customer representative and the supervisor tried to give me the refund.
Consumer complaint received 2021-09-15
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX {$2700.00} I first submitted my complaint to Experian on XX/XX/XXXX asking them to verify this unknown account. 

Experian responded with a computer-generated letter informing me that the account was verified and that I should contact the creditor if I had additional questions. 

I contacted the original creditor on XX/XX/XXXX, asking them to validate the debt, to which they DID NOT. 

I wrote Experian again on XX/XX/XXXX, informing them the creditor did not validate the debt and according to the laws the account, must be deleted. 

I received an email notification today that the account is verified with them. How is that possible if they cant validate with me the consumer.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am submitting this second-round dispute regarding six ( 6 ) late payments reported by XXXX XXXX XXXXXXXX that remain unverified on my credit report, despite my initial dispute on XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ), creditors are required to verify the accuracy of information within 30 days. As of today, no such verification has been provided, making the continued reporting of these late payments a violation of the FCRA. 

I request the immediate removal of these unverified late payments from my credit report under FCRA 611 ( a ) ( 5 ), which mandates that unverifiable information be deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. 
XXXX XXXX
Consumer complaint received 2023-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

I filed a claim to Wells Fargo for part of the settlement since we did a short sale foreclosure of our home of 27 years due to Wells Fargo not properly handling the account. XXXX. It took them a month to answer my claim and I received the answer today. They denied their actions and lied several times about calling us etc. the 3 years we had problems after Wells took over XXXX. Years involved XXXX to short sale foreclosure XXXX. 
The female rep who called today was like a drill sergeant and she told me about several phone calls her computer said were made XXXX XXXX? Etc. and numerous notices which we never received. I think I would have known if they had called every day for a week - which they never did and I would have seen all the notices requesting info I never got. The many modifications or forms in a variety of years I sent they said they never received my faxes- or mail and there were many. The payments they said they never received and found a month or months later or not at all. The numerous turn over in employees handling the mortgages who disappeared and never came back. 

She did not have any answers for my complaints- she just made up scenarios as we went along. She did not deny my complaints just tried to say it was my negligence or perhaps my husband tossed the notices etc- which never happened. Wells Fargo was a good Bank - Now they are one of the worst. The settlement lawsuits means nothing to those of us who lost our homes and our cars. They are doing anything to ignore us. Thanks for reading- XXXX XXXX
Consumer complaint received 2024-09-13
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. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-07-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (MS)

I received a loan from ( mypaydayloan.com ) On XX/XX/2020 I was deposited {$400.00} into my account. My payment date was XXXX XXXX you have to submit a payment a few days before. Their website payment options is pay full amount {$520.00} OR pay minimum amount {$120.00}. I paid {$120.00} the minimum because of the coronavirus I was struggling to get everything paid for being the only one working and husband wasnt set up on unemployment yet. Every 2 weeks they would take out the {$120.00}. In XXXX I looked at my account and they are claiming I havent made a single payment yet. I called them and the man I spoke with barely spoke XXXX, told me I still needed to pay the {$520.00} that all I was paying for was renewing the loan for the next 2 weeks for {$120.00}! They have renewed my loan apparently 10 times! After not getting anywhere with him I emailed the company and sent them pictures of my account and how much I have paid. I only got an email saying I havent paid a single payment yet. I live in Mississippi, the laws are very different here. They said the MS laws dont include them. I honestly dont think this is a legit company from XXXX XXXX. On their website it says they are licensed in MS , I dont think that is true either. However, I have paid this company {$1200.00}! Every 2 weeks {$120.00} comes out of my account. If I had know I wasnt paying on the principal I would have paid it off when I got my stimulus check. Their website is very misleading! They are scheduled to take another {$120.00} out XX/XX/XXXX. I have certainly learned my lesson on online loans. These companies will take advantage of people who are in need from the pandemic.
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc. (GA)

I recently received another letter in reference to an apartment complex. Nevertheless, XX/XX/XXXX, I was XXXX in that apartment complex by XXXX people. The apartment was aware because the security officer seen it and came to help in after being attacked. Furthermore, management property that was originally over the property stated to me that because of the XXXX incident that I have a right to leave immediately. However, I been receiving tactic letter and harassing letter. This account is not in my name. This account is associated with my baby mother. However, she does not owe as well because she left this complex in XX/XX/XXXX. Furthermore, I have checked my consumer report and this debt is not on there and I do not owe.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX  ; Experian and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$4100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a lease with an apartment lease and lived in the unit for the full term of the lease. I provided proper notification well within the time allotted per the lease agreement to vacate and therefore there is no outstanding balance due and nothing to collect and/or chargeoff. I was not aware there were any issues and that this account had gone to collections until I obtained a most recent copy of my credit report. I have contacted the bureaus and XXXX XXXX XXXX to fix this however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.
Consumer complaint received 2020-07-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc. (NV)

Bentley is reporting me as 30 days late on XX/XX/2019 and XX/XX/2019. There is no way that is true. This has to be a bank error and the late payments need to be removed ASAP
Consumer complaint received 2020-07-01
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. (TN)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$4100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a lease with an apartment lease and lived in the unit for the full term of the lease. I provided proper notification well within the time allotted per the lease agreement to vacate and therefore there is no outstanding balance due and nothing to collect and/or chargeoff. I was not aware there were any issues and that this account had gone to collections until I obtained a most recent copy of my credit report. I have contacted the bureaus and XXXX XXXX XXXX to fix this however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.
Consumer complaint received 2020-07-01
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. (FL)

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 60 ) days late on the XXXX XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The property was sold in XXXX, 2019 and the lates that are still reporting are XXXX and XXXX, 2019. This account was closed well within the grace period allowed and consequently, the lates that are reporting are in error. These lates need to be removed from this account. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-12-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NM)

On XXXX XX/XX/2022, I started the VA loan assumption process to sell my home. We submitted all of the necessary documentation via secure messages to PennyMac on XXXX XX/XX/2022 after she requested a second copy of previously submitted documentation. This action reset the 45-60 closing clock, and day 63 of our assumption timeline was Monday, XXXX XX/XX/2022, if we assume the start date reset. If we use the original date, I'm on day 91 if I count from the date I originally submitted the required documents. I have had multiple phone calls with the first-line supervisor. Our real estate agent has had near-daily phone calls with managers up the chain. As of today, I understand it with underwriting, but no person on the mortgage assumption team can give an accurate close date, and it is unclear why we have been delayed. 91 days far exceeds what any reasonable person financing a mortgage would expect for administrative timelines. If you are trying to buy or sell via VA loan assumption to minimize mortgage rates, be prepared for an incredibly slow and uninformed process. One processor working on our file, and 6 levels of management to run the assumptions department isn't working.
Consumer complaint received 2020-07-01
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)

XXXX XXXX XXXX XXXX all FTC violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ser violations : FTC : Not mine Fair DEBT : LAW saids you can not use unfair practices to collect a debt FCRA : inaccurate information case on the company have violated the law previously will enclose all the violations : FTC Sues Subprime Credit Card Marketing Company and Debt Collector for Deceptive Credit Card Marketing XX/XX/2008 FOR RELEASE TAGS : Consumer Protection The Federal Trade Commission today announced the filing of a lawsuit charging XXXX XXXX and its wholly-owned debt collection subsidiary, XXXX XXXX XXXX XXXX XXXX, with deceptive marketing practices in selling credit cards to consumers in the subprime market. 

The FTCs complaint charges both defendants with violations of the FTC Act and XXXX XXXX with violations of the Fair Debt Collection Practices Act ( FDCPA ). Todays action is the result of a coordinated investigation of the defendants marketing practices by the FTC and the Federal Deposit Insurance Corporation. In a related action, the FDIC has issued notice of administrative charges against XXXX and two banks that issued credit cards marketed by XXXX
Consumer complaint received 2024-12-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (CA)

For 20 years, I have been accused, harassed, and threatened from XXXX in regards to a XXXX Loan dated XX/XX/year>. I have attached my XXXX Loan account from XXXX XXXX XXXX. There is NO RECORD of any Student Loans on File - there are no DISBUSEMENT 's of any Student Loan Funds recorded on File - PLEASE SEE ATTCHED DOCUMENT from XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-01
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. (AR)

I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLESE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME. XXXX XXXX {$20000.00}
Consumer complaint received 2020-07-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (VA)

This is an amazingly simple matter to understand even though none of the numerous customer service people we spoke to seem to understand it. It is even a refinance within the same mortgage company so, every bit of information needed to perform a detailed analysis is right there and available. 

The bottom line is that we overpaid on our mortgage in the amount of {$3500.00} ( one payment XXXX yet Freedom Mortgage will not return our money to us. 

Loan closing took place XX/XX/XXXX Payment of {$3500.00} made to mortgage XXXX XX/XX/2020 ( we were unable to stop it due to the timing ). 
It appears from subsequent documentation received that the XXXX payment was applied to the original loan payoff amount even though we had closed on the loan prior to that overpayment. ( this is not the complaint ). So, this would have reduced the payoff by XXXX. 
Since the original loan amount ( which had not changed ) was based on a payoff that was {$3500.00} higher, we are still due that amount as part of the refinance. 
It is really that simple yet, after 2 months we still have not received the funds ( our own money actually XXXX due us. 

XXXX, XXXX and XXXX