davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 a account without my written instructions
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (AP)

Comenity Bank 's ( Bread Financial ) NFL Extra Points Credit Card 's web site has been down for over a weeks. Contacting them they say they are doing a scheduled upgrade and have now added that it is taking longer than expected. NO ADVANCE NOTICE WAS GIVEN. I get my statements via online access which I am now unable to do -- my billing DATE WENT BY LAST WEEK. They have offered to only give me my balance over phone. I usually track my balance daily and pay in full just before the statement date. I did send {$7000.00} last week but am unsure of actual balance. I suggest that that they be prohibited from reporting any balances to any credit reporting agency for the period that there is no access and 15 days later to allow opportunity to pay, and that they be prohibited from charging any finance charge for that period plus 30 days. In addition they should recognize the benefit of being more transparent with their customers!
Consumer complaint received 2022-06-21
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. (KY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # 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 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2021-11-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

Dear Sir, Madame, Due to coronavirus/pandemic I was protected under the mortgage forbearance. I have noticed that my credit report has been seriously damaged with negative late payment reporting by my mortgage servicing provider AmeriSave. 

I would appreciate if you could kindly fix this as it was protected by law that consumers would not be negatively impacted when entering into this government program.
Consumer complaint received 2021-11-27
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. (MI)

To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. 


Name of Account Type of Item Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inaccuracies 1. Showing a past due amount on a collection/charged-off account 2. Account is reporting with 2 different balances of high credit.

3. Account is reporting with 2 different dates of last activity.

4. Account is reporting 3 different dates of last payment. 

If this is the same account being reported by the same creditor, why are these dates/amounts different? As you know, all must be the same. 


Action To Rectify DELETE the account immediately FCRA non-compliance of inaccurate data furnished on my credit report. 

Please do not update or verify this information again without doing a due diligence investigation. 
Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. 


I sent this letter via certified mail to ensure this matter is resolved within the required thirty ( XXXX ) day window so as to avoid any violation of the FCRA. Please send me a copy of the changed credit report upon finishing my request. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX Attached : XXXX report
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighborhoods United, LLC (IN)

I suffered severe storm damage on XX/XX/XXXX. My insurance company paid the claim for a new roof, repair to the soffit and fascia and drywall repair to the ceiling in the master bedroom. The insurance claim loss check # XXXX in the amount of {$13000.00} was sent to my mortgage company AHP Servicing , LLC on XX/XX/XXXX. They placed it in a limited escrow account and provided the list of documents needed to approve the contractor and release half the insurance proceeds to the contractor. Numerous attempts to release said funds to pay my contractor XXXX XXXX XXXX XXXX were met yet the funds were not dispersed. I had to send an error resolution notice on XX/XX/XXXX to force them to send the payment to my contractor so that the repairs could be made. The check was finally overnighted XX/XX/XXXX in the amount of {$6800.00}. The roof was replaced on XXXX XXXX and the drywall was completed XX/XX/XXXX. I had called AHP to determine what was needed to release the balance to the contractor once all the work was completed. I was told an inspection would be ordered and the contractor needed to supply a signed lien release. The inspector from XXXX XXXXXXXX XXXX XXXX ordered by AHP Servicing ( order ID # XXXX ) submitted his inspection of the completed work on XX/XX/XXXX, and the contractor, XXXX XXXX XXXX XXXX emailed the notarized lien release on XX/XX/XXXX. Numerous phone calls, emails and voice messages have been left by both me and my contractor requesting the final payment be sent. As of today, XX/XX/XXXX, AHP still maintains the balance of the insurance proceeds, {$6800.00} in the limited escrow account and have refused to pay the contractor. Given the fact that he has already signed a lien release, he has no further possibility for action. I am at my wits end with this company and their incompetence. I demand the final payment be made to my contractor.
Consumer complaint received 2023-06-29
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

For days I have been trying to pay my Comenity Bank Zales credit card bill. Their websiye states that they are updating but it hasnt worked in almost a week. I tried calling to make my payment and they state that they are closed and I am unable to make a payment over the phone. I am concerned that I will receive an Over 30 on my credit report.
Consumer complaint received 2021-11-27
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. (FL)

I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Consumer complaint received 2021-11-27
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: Chime Financial Inc (TX)

I rented an apartment and once given access discovered that it was roach infested and covered in XXXX. I gave the apartment complex multiple chances to fix the situation and they did not. I filed with Chime bank to reverse the charge of {$1200.00} on my credit card for goods and services not as described. Chime failed to protect me under the consumer rights act. I have an auto immune disorder, I can not live in roach infestation and XXXX everywhere, nor should I suffer financial loss due to the apartment complex negligence. Chime should have protected me under the consumer rights act.
Consumer complaint received 2021-11-27
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX and I am confirming my identity to avoid any additional delays in taking action on my behalf. On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days, I have not received a response to my letter sent. I attempted to call XXXX XXXX Equifax on multiple occasions and am unable to speak to a human. I feel like I am being taken advantage of and my disputes are being ignored. Failure to investigate the items disputed within XXXX days gives reasoning to immediately remove the items from my credit report clearly stated in section 611 ( a ). It has been over 60 days so they should be updated and deleted immediately or I will file a litigation claim due to the stress you have caused me. My information was also impacted by the Equifax data breach and was obtained fraudulently. 

15 USC 1681 ( a ) ( 1 ) ( 3 ) was enacted by Congress to protect consumers such as myself in regards to accuracy and fairness and unauthorized inquiries 15 usc 1681 ( b ) ( 1 ) but this is not the case of the items being stated on my credit report facilitated by All XXXX bureaus! No where in Congress is it stated to report late payments due to the finance charge prepared with any loans closing documents. 

A finance charge in USC 1605 ( a ) ( 1 ) ( 3 ) it clearly states that any fee representing the cost of credit or the cost of borrowing money including interest is within the finance charge. In this case no late payments should be reflecting on any credit report as it also is an infringement on my privacy as stated in 15 USC 1681 as well. I have also completed an FTC report due to such matters.
Consumer complaint received 2022-06-28
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank account number # XXXX Dates XX/XX/XXXX to XX/XX/XXXX. Has violated my rights. 
I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report. 
15U.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't furnish an account without my written instructions
Consumer complaint received 2021-12-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting me 30-60 days late because of wrong information. 

The company XXXX stated they processed my XX/XX/2020 loan payment on XX/XX/2020. 

I made XX/XX/2020 payment to XXXX mortgage company on XX/XX/2020 as my bank statement shows. 

I made my XX/XX/2020 payment on XX/XX/2020 to XXXX as my bank records show. 

I was then placed on XXXX XX/XX/2020. 

XXXX XXXX XXXX does not reflect the XX/XX/2020 payment. 
What happened to the XXXX XXXX, 2020 payment? 

What payment was 30-60 days late? 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Starting on XX/XX/XXXX, I received several small debits from ( XXXX XXXX ) and ( XXXX ). I do not have an XXXX Account. A phone number was listed next to the transaction : ( XXXX ) XXXX When you call that number, you can not speak to anyone and it directs you to the real XXXX billing. 
After doing a web search of this number, I saw that many others were scammed by this scheme going back to XXXX. 
Conclusion : Someone created a " Phony '' XXXX company and has somehow been able to find people 's debit cards. 
I use Citizens Bank. 
This is my 3rd debit card scam this year. I have other scams from fake XXXX account charges and XXXX XXXX. My banks have reimbursed me for these scams. We need a pro-active investigation into these scams. I had notified the XXXX XXXX fraud team.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

Hello, I have an account with XXXX XXXX with a {$10000.00} that the credit bureaus are not reporting on my credit files. 

Thanks, XXXX XXXX
Consumer complaint received 2022-03-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch (TX)

Crown Asset Management ( C.A.M. ) violated my rights as a consumer. 

C.A.M. did not give me the opportunity to exercise my right to dispute this alleged debt. I received a summons in the mail, and in the documents it showed that they tried to serve me face to face for a few weeks. The documentation was written by an attorney representing the company violating 15 USC 1692e ( 3 ) as stated an attorney or affiliation can not act as a debt collector. Looking at the information sent from C.A.M. under the Uniform Commercial Code Section 3-204, the name and the signature of both the beneficiary and the original creditor must be disclosed in the same document 3-204 ( d ), but Crown Asset Management and my signature are not found together on any document. However. C.A.M. continues to unlawfully seek litigation against me having no first hand knowledge of the consumer credit transaction that took place which is a violation of 15 USC 1692e.2 ( a ) ( b ) according to the FDCPA. C.A.M. has tainted my reputation by bringing litigation to my name!
Consumer complaint received 2021-09-10
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: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/2021, a charge by 'XXXX XXXX XXXX ' in XXXX XXXX XXXX XXXX appeared on my credit card, for USD XXXX. This charge alleges damage to a rental car in XXXX. I did not damage this car. 

On XX/XX/2021, I disputed this charge. I was subsequently provided with a rental car contract for this rental. Close inspection of this contract revealed the following : - The rental car contract is not in my name, but in a name similar to my name. 
- The address provided on the contract is not my address, and in fact does not seem to be a US address at all. 
- The contract lists a driver 's license number as XXXX XXXX XXXX : XXXX. I do not have a driver 's license with such a number, in fact all Michigan drivers ' licenses follow the scheme of one letter and 12 numbers. I have provided a copy of my drivers ' license to the credit card company. 
- The contract lists a passport number. The number listed does not agree with my passport. I have provided a copy of my passport. 
- The signature on the contract is unreadable but does not agree with my signature. 

I am therefore not willing to cover the costs of this rental. 

My complain to the credit card company has subsequently been closed, with the answer that they have reviewed the materials and couldn't find anything wrong with them. None of the points that I have raised have been addressed.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

I opened this auto loan with Santander consumer USA XX/XX/XXXX who has been reporting my payment unfairly incorrectly as late and past due and I have made my payments with XXXX XXXX who they recommended me to do since I didnt have a bank account at the time. 
I have never had made no late payments ever since I been with them but they seem to report incorrect information to all three credit bureaus in XX/XX/XXXX said I was 30 days late XX/XX/XXXX and XX/XX/XXXX 30 and 60 days late in XX/XX/XXXX they said I was 30 days late then again in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I was 30 60 90 days late. YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (MO)

I recently received a copy of my consumer report and I noticed that it XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX is reporting my experience with your company. The line of credit or experience that I have with these companies is characterized as utilization and is being reported on my consumer report. Your company is illegally reporting this experience ( utilization ) on my consumer report. Your company is in clear violation of the law. Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states that transactions or experiences between the consumer ( ME ) and the person ( YOU ) making the report SHOULD NOT BE INCLUDED on my Consumer Report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) that is making the report. Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not to be included on the consumer reports. You have violated the FCRA 15 U.S. Code 1681a 2A ( i ) by reporting this transaction or experience ( utilization ) on my credit reports which Congress clearly states IS NOT included on my Consumer Reports. You have 10 calendar days to delete all utilization of the above accounts from my consumer report. Failure to respond with deletion of the above utilization will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent non-compliance 3. Civil liability 4. Mental anguish 5. Violation of Fair Credit Reporting Act 15 U.S. Code 1681and 15 U.S. Code 1681n - Civil liability for willful noncompliance