davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
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. (PA)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They were able to remove some companies but some are still showing on my reports. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

Events happened as follows in XX/XX/2021 I submitted my payment for my target card as usual on time. My payment was not honored due to a bank error. Once I was notified by target I paid the amount immediately with a representative over the phone I also sent target card services the bank letter with the information that my payment was not honored due to an error from the bank that the funds were available. The representative from target card services explained to me it was not an issue and the late payment would be corrected due to it being a bank error. Target credit card services is still reporting a late payment for XX/XX/2021, they never corrected the reporting.Here enclosed is attached copy of the banks letter.
Consumer complaint received 2022-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (MD)

I've gotten several calls now from a company called Sequium.

Sequium has several times now called my business phone number ( I own my own company, XXXX XXXX ) with an automated recording saying I owe a debt to be collected, does not describe or name the debt, and when I try to follow their menu through to a real representative, it says " searching for your account information '' and then the line disconnects. It has also called and the automated recording calls me by another business name, ( mixed up the phone numbers somehow? ). Again, I could not reach a real person. 

The calls are harassing. I've received multiple just today and I owe no such debts.
Consumer complaint received 2022-01-11
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. (WA)

On XX/XX/2021 I drafted a letter of validation in regards to 9 accounts with Gesa Credit Union, that appeared to have been sold and duplicated multiple times on my credit file by 3-4 different organizations. After sending out the letter via certified mail I received no response from the companies in violation of FCRA. After waiting over 7 months for a response, I decided to dispute the accounts with Experian directly. Today I received a credit report stating that the accounts were verified? Verbal validation with a creditor and credit bureau doesn't suffice as proper validation or even verification under FCRA. It is my belief that Experian is in gross violation of FCRA at this time.
Consumer complaint received 2022-01-11
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. (TX)

XXXX, XXXX, and Transunion refuse to move public records off my credit report. I submitted my dispute on XXXX and XXXX XXXX, and Transunion had my results on XXXX. They didn't reinvestigate anything. I asked for the contract with my signature on it. They failed to send me any information validating where they received their information from. I submitted a letter from the XXXX court stating they don't report or validate anything to the credit bureaus. I asked that XXXX XXXX, and Transunion remove this public record off my credit report asap. My race and age is playing a big part of XXXX XXXX, and Transunion unfairness. I have submitted all the proof they need several times. I need this issue resolved asap. XXXX XXXX, and Transunion is very XXXX and doesn't put accurate information on certain people credit report.
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (NC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NV)

National Credit systems was put on my credit report they are collecting for XXXX XXXXXXXX XXXX XXXX XXXX  they are saying I have balance of {$6600.00}. My Rent was paid by XXXX in full as they took payment for XX/XX/2021 through XX/XX/2021. I paid my rent on XX/XX/2021 on time on XXXX of the month. XX/XX/2021 I had XXXX XXXX and diagnosed with XXXX XXXXXXXX XXXX. I let management know that I would have to move out due to my condition the Manager XXXX  at the time said I would not be charged due to medical circumstances and not being able to work any longer due to my condition. In XXXX of 2021 National Credit systems contacted me with debt from the community I was living at saying I owed {$6600.00}. I explain my condition and that I can not be under any stress they said quote on quote It is not our fault you got sick and that regardless I need to pay the outstanding debt I explained my situation and was hung up on 4 times from XXXX the rep that was working on my file. I contacted the property as well to find out the manager XXXX is longer at that property. I explained my situation due to my condition this should of never went on my credit I am stressed and my credit has went from XXXX to XXXX and being harassed when I am ill. I requested an item list of charges never was received asked on XX/XX/XXXX and no one ever replied by law that they had 30 days or they have to take it off my account that was not done after I called again they emailed my on XX/XX/2021 well after my request. I have tried talking to the company no one will return my calls. Also emailed XX/XX/XXXX no response as of yet.
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

SLS Mortgage, after 15 years of payments, juxtaposed ( front to back ) request for extended forbearance ( REQUESTED PRIOR ) with request for loan modification AFTER LOAN MODIFICATION WAS APPROVED AND SLS ACCEPTED FIRST OF THREE PAYMENTS AFTER MORTGAGEE ACCEPTED MODIFICATION ( mortgagee was sent paperwork verification of proposal of modification ). After receipt of loan modification proposal, mortgagee sent FIRST PAYMENT ACCORDING TO PROPOSED DEADLINE. 
SLS counters by FRAUDULENTLY CITING LOAN MODIFICATION REQUESTED PRIOR TO REQUESTED EXTENSION OF FORBEARANCE. 

SLS MORTGAGE STATES BOTH EXTENSION OF FORBEARANCE AND MORTGAGE LOAN MODIFICATION DENIED. 
We possess sufficient documentation to the contrary, SENT BY SLS This doesn't even make sense ; SLS up to old TRICKS AGAIN?! 


XXXX XXXX : XXXX. 

MORTGAGE HOLDER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) listed as property tax payer ( tax payer credit hijacked by SLS MORTGAGE ; Instiuted subsequented in prior loan modification XXXX ( Assumption is, that it gives greater legal foundation to SLS should foreclosure be sought ) Note : XXXX XXXX 100 % XXXXXXXX XXXX XXXX 4x week, 100 % XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX 

Date of foreclosure initiative : XX/XX/XXXX Cited, by SLS representative, XXXX, on XX/XX/XXXX when mortgagee attempted to make SECOND PAYMENT ON APPROVED LOAN MODIFICATION, SLS REPRESENTATIVE STATED THAT NO SUCH MODIFICATION HAD BEEN IN PLACE AND THAT IT WAS DENIED AND FRAUDULENTLY STATES IT WAS AFTER LOAN MODIFICATION WAS DENIED THAT FORBEARANCE WAS REQUESTED, WHICH ALSO WAS DENIED. 

In truth : FORBEARANCE WAS REQUESTED PRIOR TO REQUESTED LOAN MODIFICATION REPRESENTATIVE failed to cite dates of forbearance request. 

NOTE : ALL DOCUMENTS REQUESTED BY EMAIL NEVER SENT ALL DOCUMENTS REQUIRED BY MAIL, NEVER RECEIVED. 

Amount of demand : Between $ XXXX Note : REPRESENTATIVE XXXX STATES IF TOTAL AMOUNT IS PAID by XX/XX/XXXX, XXXX NO MORE PROBLEMS! 

SLS REPRESENTATIVE XXXX advised PAYMENT and received, {$500.00}, as XXXX was MORTGAGE payment when forbearance began in XX/XX/XXXX. Hinting it MIGHT prevent foreclosure, because of the overage of {$2.00} but she couldn't commit to anything. Stating that the overage would be applied to past due amounts. 

Call me skeptical, I don't believe it. 

Mortgagee in XXXX related INTENSIVE CARE soon thereafter, XX/XX/XXXX, already ill when forbearance was approved through AUTOMATED SYSTEM. 

SLS MAY JUST HAVE NOT UPDATED SUBSEQUENT FORBEARANCE POLICY AND THIS IS A GLITCH. 
XXXX XXXX DOCUMENTS TO FOLLOW XXXX HOME NUMBER -- Sent from XXXX for XXXX
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TransferWise Ltd (OH)

My account has been deactivated by Wise US Inc ( formerly TransferWise ) for pointing out a flaw in their customer verification, and I can not access the account or withdraw my money from my account. 

I have had an account with Wise since XX/XX/XXXX. One of my routine transactions on was blocked on XX/XX/XXXX by Wise citing verification of my ID. I uploaded my passport copy and was informed that it has been verified. But the transaction did not go through. 

I was then asked to upload a personal photo holding my ID. I was opposed to uploading personal photos due to privacy reasons and I have had several phone calls and email exchanges with Wise about how a personal photo would be a better verification than other methods such as XXXX, phone call, etc. I contended that using Artificial Intelligence ( AI ) to verify a photo may not be the best option. 

In order to prove my point, on XX/XX/XXXX, I uploaded a " doctored photo '' of my own to the Wise website. Wise promptly verified my photo ( most probably by AI ) and I was able to conduct transactions including transfer of money. Subsequently I informed Wise through email that the photo that I uploaded was " doctored '' and asked them how their system was able to verify my photo? I questioned their security and due diligence. 

I was given vague answers to my concerns but when I pressed about their security flaws again and again, Wise deactivated by account saying that my activities exceeded their " risk tolerance ''. On asking what this risk tolerance is and how I exceeded this level, Wise did not provide any answer. I believe this action was purely punitive to mask Wise 's lax security and their embarrassment.

I have thousands of dollars in multiple currencies in my Wise account. As I do not have access to my account, I have requested Wise to transfer my money to my own verified account in another US bank ; but Wise refused. Wise wants me to appeal to reactivate my account. I do not want to reactivate my account- all I want is to get my money back and close my account.
Consumer complaint received 2023-08-14
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)

I've been going back and forth on numerous occassions with XXXX, XXXX and TransUnion regarding Bankruptcies placed on my credit report. ref # XXXX and XXXX. Based on the letter I received from United States Bankruptcy Court XXXX District of XXXX  stating that it does not provide information to credit reporting agencies. Due to Bankruptcy cases information being available for any interested party to review. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need my written consent to add anything to my consumer report. I didnt give any permission nor consent or authorization for this action to take place on my consumer report. This is a violation to the Fair Credit Reporting Act. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, No adverse items besides the conviction of crimes should be on your report, any items that is a derogatory mark is not allowed into consumer reports this is another violation. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX, TransUnion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-01-11
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. (PA)

I recently pulled my Equifax Credit report and has been going back in forth with them disputing fraudulent accounts that they are reporting. The following accounts do not belong to me ; XXXX XXXX XXXX XXXX ( fraudulent charge off account ) XXXX XXXX XXXX XXXX ( fraudulent collections account ) XXXX XXXX XXXX XXXXXXXX ( fraudulent credit card ) I have never done business with the creditors or originators of these debts. I have supplied Equifax and these creditors with supporting information and still to date I have not received any mail or phone correspondences. 

I have asked Equifax numerous times to provide me with the proof they have to verifies these debts belonging to me, and they have failed to do so ...... 

Also Equifax has my name spelled wrong on my credit report so how did they even verify these debts belong to me .... please see all uploads
Consumer complaint received 2022-01-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I mailed my mortgage check XX/XX/XXXX. When not processed, I called every few days to see about next steps and avoid a late fee. I was told that after XX/XX/XXXX there would be a late fee. I called XX/XX/XXXX and they said my check had not been received. I made one online payment of {$1600.00}. On XX/XX/XXXX my bank account had the check received on XX/XX/XXXX and my debit as well as an unauthorized and extra charge to my bank via online for {$1600.00}. I called and SPS XXXX said that I could request my check be refunded. It may take 7-10 business days. I have called daily since XX/XX/XXXX. I have escalated to three managers. I have been told to call my bank and dispute charges, to keep waiting, that their processing is behind, that there is nothing they can do. 
I now have not been able to pay my own bills including my business 's rent. It is now XX/XX/XXXX and it is still not in my account. I log in and there is no way to see any amounts paid in the past. It is not shown, must be requested to be mailed. I also only received one email for my one online payment and it did not list the amount charged. I feel this company is using predatory measures to receive payment, late charges, etc. by holding checks, and making unauthorized debits despite consumers stating One Time on the website.
Consumer complaint received 2022-08-15
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. (CA)

n accordance with the Fair Credit Reporting Act XXXX Accounts names XXXX, EQUIFAX MORTGAGE SERVICE, XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2022-01-21
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. (FL)

Events happened as follows in XX/XX/2021 I submitted my payment for my XXXX  card as usual on time. My payment was not honored due to a bank error. Once I was notified by XXXX  I paid the amount immediately with a representative over the phone I also sent XXXX  card services the bank letter with the information that my payment was not honored due to an error from the bank that the funds were available. The representative from XXXX  card services explained to me it was not an issue and the late payment would be corrected due to it being a bank error. XXXX  credit card services is still reporting a late payment for XX/XX/2021, they never corrected the reporting.Here enclosed is attached copy of the banks letter.
Consumer complaint received 2022-01-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TN)

I made deposits in this account XX/XX/2021 and XX/XX/2021, and they inactivated the account in XX/XX/2021 for alleged inactivity. There is nothing in the fine print that says you must constantly use this savings account. I can not access this money, although I can make deposits. I have written multiple letters at their direction requesting that my account be reactivated- the only method available according to them to reactivate this account, and they keep saying they do not receive the letters. I can not access my money. 
There is no customer service other than bots.
Consumer complaint received 2022-01-11
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: Navient Solutions, LLC. (AL)

Navient is using my identity and saying i owe the 15 USC 1692e I never signed a contract in wet ink with them, true holder must provided original instrument if indebtedness in original form, Navient has only produced billing statement, which when original opened in 2006, i was XXXX, 15 usc 1637 states, No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, deceptive forms ; Navient is saying the are department of Ed, using their name on form when in fact these are 2 different businesses, there is over XXXX in alleged fees/on report over 15 years/7years limit, which hold a negative weight on my debt ratio, XXXX, XXXX, XXXX XXXX are updating information without all fact/validity ; i ask that all accounts be removed because alleged contract is cancelled void null, lenders & associates must follow the law ; they have removed some accounts not all ; they are not reporting accurately to all 3 bureaus, because one inaccurate item has caused adverse action and knowingly causing harm to my livelihood, they have been reporting different information on all report i provide documents with total on all, not listing all required informations, i have lost a number of opportunities for growth because these inaccuracy
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (FL)

The available beginning balance of {$9500.00} stayed in my account no withdrawal until XX/XX/XXXX. The card was requested without my consent to an unknown address on or around XX/XX/XXXX is what I was told on or around XX/XX/XXXX by your customer service. The procedure that Ihad to do was send in my identification to change the address on XX/XX/XXXX XXXX. What I see is a violation on the consumer liability laws .My account was compromised by an individual who requested a Debit card to be mailed to them with an unknown address they have no record according to the customer service when we spoke on numerous dates .The theft never sent in any personal identification I was told. I would not have access to any statements if this is where my statements would be sent.The total amount taken is {$36000.00}. This law should exclude myself from any unauthorized transaction which I wouldn't report in time this frame. I been asked to summit a second unauthorized transactions request for reimbursement. The first request did not contain the documentation of the police report and knowledge of where the card was sent. I had an instant fraud alert which should allow me to re-submit my request to the Relia Card which is associated with US Bank.