davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
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. (UT)

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 MHas violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : 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 2021-05-17
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: EQUIFAX, INC. (PA)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) in GENERAL 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. 
I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is identity Theft. 
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Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I lived at XXXX XXXX XXXX for just over a year. When I found a bigger place to live the landlord at XXXX told me to not pay my last months rent and he would use my security deposit to apply towards it. The day I turned in my key I left my new address and contact information with the manager, XXXX. I wrote it on a piece of paper and handed it to him, he then put it in my file. I stood there and watched him do this. A few weeks later I received a collection notice in the mail from XXXX XXXX. I went to the apartments to speak with the manager, he told me they kept my security deposit because I didn't pay my last months rent, I reminded him of what he told me, not to pay my last months rent, he would apply my security deposit to pay it. I asked why I didn't get a letter in the mail explaining why they kept my security deposit, he shrugged his shoulders. Please see attached a copy of the lease initialed by me, it states that my security deposit can be used towards the last months rent. On the lease it states " If the landlord fails to give you the required notice within the 30 day period, he or she forfeits the right to impose a claim on the security deposit. '' I never received any notice. On the attached document please read # 12 and # 24 where it clearly states that the security deposit can be used for the months rent.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I checked my credit report on XXXX XXXX and noticed a hard inquiry by : XXXX XXXX, FL XXXX National Credit Cards/Airlines The above transaction is not mine and Im extremely upset this showed on my report because it affected my score. Can you please help me? XXXX XXXX says to contact the creditor and the creditor says to contact XXXX XXXX  and transunion, its a big circle and no avail. I want this removed from my report. Thanks
Consumer complaint received 2020-09-02
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. (NJ)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be certified. that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC. (WV)

The bank promised that they would waive the {$25.00} early account closure fee for the checking and savings account since I had trouble receiving and activating my debit card. When the account was closed, however, I received a notice that they did charge me {$25.00} on both my checking and savings account, going against their previous promise.
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center (MI)

I was contacted in mid XXXX from a place called Mediation Recovery ( MRC ) out of XXXX, Il. They claimed I owed a debt to " XXXX XXXX Hospital. '' I said that there is no place by this name I am aware of and I need more information. They said they are sending it via mail. The letter I received from them was dated XX/XX/13 and named the creditor as " XXXX XXXX. '' Again I called to find out who this creditor is, as I have never heard of " XXXX XXXX. '' They told me they would look into it and call me back with that information. 
I received no follow up call until XX/XX/XXXX, and again they insisted the creditor is " XXXX XXXX. '' I asked for verification of this creditor including name and address. They told me they could not provide this. I then insisted again and was provided the phone number of a community service organization that is not operating and that was not a medical facility. I called back to get more information and was told they would not be able to give me information about the creditor. 
I checked all three of my credit reports for this debt and found nothing on my report regarding a debt owed to XXXX XXXX or from MRC. I did find that in XXXX, MRC had viewed my credit report. I called back to MRC to find out who to direct my lawyer to at their company and they told me " we will get them to the correct department if they call. '' They continued to decline to provide the department or any further information for my lawyer. 
I made a complaint on XXXX  and found on consumerfinance.gov that they are supposed to give me specific information about the creditor. I called back again and asked for that information. This time they were rude and yelled at me that I had " disputed this debt and it was closed '' and that I should know that. 

Several complaints on XXXX  sound similar to mine, and it seems as though this company is fraudulent.
Consumer complaint received 2020-07-29
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: PENTAGON FEDERAL CREDIT UNION (NY)

Pentagon Federal has been reporting a couple accounts on my report. the porblem is i never used them. i do not know how these accounts were created, but they need to be deleted. this is detrimental to my credit and the plans for my family. i need this fixed.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX a Balance Transfer was Initiated from XXXX ( XXXX ) to American Express ( Everyday Account ). However the Transfer to Amex was applied to an incorrect Account Number ( 8th Digit was incorrect ). I had spoken to both Companies with no luck. 
- XXXX : Claims amex had processed the Check and provided a Copy of that Check which I had Uploaded to there Document Center ( XXXX ). 

Amex was Contacted Several Times Date Ref # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX Amex Sent Notification I received via Email which was seen XXXX. 
A. Please be advised that your payment of {$4000.00} through check number was inadvertently applied to another card member 's account. 
B. we transferred the above-mentioned payment of {$4000.00} from the other card member 's account to your account. 
C. that the above-mentioned payment of {$4000.00} was returned on XX/XX/2020. In view of this, the debit of {$4000.00} appears on your XX/XX/2020 statement. 
D. However, if your records indicate otherwise, we request you to please send us a clear legible copy of the front and back of the cancelled check and complete and unaltered bank statement from the date of the debit to the current date. These copies will provide us with important endorsement information that we need in order to continue our research. We suggest you to that you return to your financial institution obtain a copy of front and back of the actual cancelled check ( s ) and forward a set of those copies to us. 


First, neither of these companies are willing to contact the other on the issue and instead are forcing myself to obtain information which I am have not seen or have privilege to such as each banks Accounting Ledger or in Amex Part D - " please send us a clear legible copy of the front and back of the cancelled check and complete and unaltered bank statement from the date of the debit to the current date ''. 

Amex did not send myself a Check and XXXX does not claim a check was received so it is impossible for me to obtain evidence of a Cancelled Check.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Our company financed a manufactured home that had am active lien from another lender on XX/XX/XXXX. We have not received a lien release at this time and it has been over 60 days since the prior lienholder has received the payoff. We can not currently apply for this title and secure our colleterial. 
After closing we sent the payoff amount to the current lienholder. We did not receive a lien release as of XX/XX/XXXX and contacted the company. They asked for authorization documents to release information to us and would take another 5 days to upload into their system. We faxed over the authorization documents the same day. We contacted them on XX/XX/XXXX and were told that they received the authorization documents but to wait another XXXX hours for them to be uploaded. Contacted them again on XX/XX/XXXX and was told that the payoff was received on XX/XX/XXXX and they would release a lien release within 30 days on XX/XX/XXXX. Contacted them on XX/XX/XXXX and was told that they issued a paid in full letter on XX/XX/XXXX and a lien release on XX/XX/XXXX. We asked for copies to be faxed and was told they would fax them to us. Contacted on XX/XX/XXXX and was told that both letters were not scanned into their system yet and could not fax them and to try back in a week. On XXXX and XX/XX/XXXX we were told the same thing again. We contacted the county that the home is located in on XX/XX/XXXX and told they had not received a lien release. On XX/XX/XXXX, we contact a 3rd party company hired by the existing lienholder to assist and told to follow up with them the following week. Contacted the 3rd party company on XX/XX/XXXX and XX/XX/XXXX, we were told they were hoping to have the lien release letter to us that week and to follow up on XX/XX/XXXX if not received. We contacted them again on XX/XX/XXXX and were told we would have the documents by XXXX. Contacted again on XXXX and told they are hoping to have the documents by XXXX.
Consumer complaint received 2020-09-03
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. (IL)

My identity has been compromised by a number of sources collaborating at once. Not only did i lose my wallet, i was also a victim of the XXXX   breach as well as the dark web. The following accounts both unknown and unauthorized I'm demanding to be removed and blocked from my credit files. 

1 ) XXXX XXXX Account Info 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX  9 ) XXXX 10 ) XXXX/ XXXX XXXX
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

XXXX XXXXXXXX XXXX has reported a deference plan that has strongly impacted my credit scored. I understand that by the Cares Act during the pandemic, companies should not say this type of issue, so the credit score did not impact during this particular period where all companies and families have been negatively impacted. 
I contacted XXXX XXXXXXXX XXXX and they explain that they did report that Im participating in the forbearance plan, but it a late payment. Im making this claim to the Credit Bureaus because this is not supposed to impeach my credit score. 

This negative impact on my credit score has also impacted my application for an auto lease bank application, as the credit scores have decreased by almost 50 points. 

Please help me solve this. 

Thanks
Consumer complaint received 2020-09-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (AZ)

My current loan servicing company Freedom Mortgage Corporation approach me about a streamline refinance to lower my interest rate. At the very beginning and during the entire process my main concern was regarding my current escrow balance of {$1700.00}. I asked on numerous occasion and even at closing was this balance going to be transferred to my new loan. I was assured that was going to happen. Once my new loan was booked, that did not take place my new escrow account only has {$560.00}. The entire streamline process was not a win for me as a consumer for the following reasons : 1. Principle balance increase 2. Additional 1 month to mortgage 3. Payment will remain the same or higher like original payment once new property tax bill generate.

My may concern with my escrow balance was due to the fact I just build my home and living in a new sub division where my property tax was has not been accessed correctly. I wanted to have the surplus money in my escrow that when my property tax bill arrive i will not have an escrow shortage. Now once Freedom Mortgage receive the correct property tax bill from county my tax will be paid. At which point Freedom will either increase my overall mortgage payment or i will need to send in a lump sum payment for shortage. This is ever deceptive way of conduction business. I have requested for the company to go back and listen to all my calls since they are all recorded.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

DEPT OF EDUCATION/XXXX  {$37000.00} Balance updated XX/XX/XXXX 3 late payments This account is in forbearance and is showing late 3 late payments from XXXX XXXX XX/XX/XXXX. this is incorrect information DEPT OF EDUCATION/XXXX  {$31000.00} Balance updated XX/XX/XXXX 3 late payments This account is in forbearance and is showing late 3 late payments from XXXX XXXX XXXX XXXX this is incorrect information
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I am a XXXX  in Alaska and due to COVID, we aren't able to go to places on land to get internet. I had to make a phone call to my Bank ( BECU ) to get a new debit card, they issued me a new debit card, but they failed to update my monthly automatic payments of my credit card. Since I'm fishing in Alaska, I have no way of getting notifications that a payment was missed or there was an issue with my credit card account. 

Come to find out BECU marked my account 60 days late, closed my credit card and seriously damaged my credit report from a mistake that was made on their end! 

I was just about to buy a house as soon as I am back from fishing and this has ruined my chances. I have a pregnant wife and no way to get my credit score back.
Consumer complaint received 2020-09-02
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. (CA)

XXXX XXXX and Experian are fraudulent on my accounts : XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX
Consumer complaint received 2021-04-02
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. (CA)

There are two accounts on my credit report that are not mine I have been disputing these accounts for a couple of months and I have not gotten any response back from the bureaus regarding this disputes. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Consumer complaint received 2019-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I had no knowledge I owed this amount to XXXX XXXX. They sold the debt to XXXX XXXX. It was taken to court without my knowledge XX/XX/XXXX. The original debt was for XXXX. The amount owed is now XXXX. They emptied my checking and savings of XXXX on or around XX/XX/XXXX. I had no written statement of garnishment. I bought a home in XX/XX/XXXX and when mortgage company ran my credit I had no past due accounts or collections on my report. I obtained documents myself from court house and my bank. I had no written correspondence with the creditor. I do not believe they are on the up and up. I feel like they are ripping myself and others off by their tactics. I researched on my own. Others might not know to do this and pay them blindly without knowing their rights. I would like this account to be investigated to prove accuracy. And to know if they can legally charge me 3-4 the original debt. I was not contacted about court cases so I was unable to show up to said court dates
Consumer complaint received 2020-11-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (MA)

DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 )
Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction
involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally
or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
XXXX XXXX