davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
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)

Attached is a letter I received from XXXX XXXX reflecting the rights they have to share my personal information regarding Loan # XXXX. This was a fraudulent loan and XXXX  XXXX  did not even have permissible purpose to access my private information. See incomplete application that was used to access my credit report one day after credit was pulled. So now sharing my personal information now adds insult to injury. I called the number on the letter and was informed the letters went out by mistake?????????? What other mistakes is XXXX XXXX XXXX XXXX making? According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agency 's ( CRA ) role in the dispute process is to review the accuracy and completeness of any disputed item. I request the CRA to review the incomplete application that was not to be processed as was even reflected at the top of the application.
Consumer complaint received 2022-12-19
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-16
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. (CA)

XX/XX/2020, I sent a certified letter to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting verification of the debt I allegedly owe. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, Transunion, and XXXX  ). I never received a response back for the information I requested. From my understanding I have a right to dispute this information and receive a response. The Fair Credit Billing Act ( FCBA ) lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute. For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed. Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. Field 7 Consumer Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). The account number is redacted and could be any range of numbers belonging to anyone. This is also, a possibility of this being a mixed or merged account. Do not include embedded blanks or special characters. Field 25-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. Field 26-Date closed is incomplete, because it is not being reported. Field 27- Date of last payment is incomplete, because it is not being reported. Additionally, this account has not been marked for dispute when I sent the letter disputing the debt. 15 U.S.C 1681s-2 ( B ) ( 3 )
Consumer complaint received 2020-12-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I refinanced my home, the closing was on XX/XX/2020. I refinanced the house with the same lender, just to reduce the interest rate. They offered me an FHA streamline program and I accepted. It happens that my old account is still open, they should not charge my old account, but they did it and I had to pay my monthly charge on XX/XX/2020. My new account is open as well and I owe a payment in both accounts on next XX/XX/XXXX. I checked my credit report and I have two mortgage accounts, and of course ; the amount owed has multiplied by 2. I contacted my loan processor, by phone and email. I sent several emails and I still don't have an answer. I called the company and the old mortgage is open because it hasn't been funded. This is a matter of concern for me. It's affecting my credit and I owe two mortgage accounts. I haven't receive my copy of documents of the new loan.
Consumer complaint received 2022-07-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Associated Credit Services, Inc. (PA)

Associated Credit Services Inc. began calling me on XX/XX/XXXX regarding a charged off credit card consolidation account. I believe my account originating from XXXX XXXX  switched companies at some point prior to this. Up until about three weeks ago, it was being handled by a company called XXXX Co. I have six different unsecured accounts at the moment. Only one of those companies ever had the actual decency to write to me and e-mail me notifying me that they've sold the account to another company, and every other time I end up finding out through trial and error, but I digress. This complaint pertains directly to Associated Credit Services Inc. 

I received their initial contact letter at the beginning of XXXX. I sent them a small monthly payment check and a printed response letter on XX/XX/XXXX. Part of my letter reads : " Please do not call me. I am NOT demanding that you cease all communications with me, but please only contact me in writing. '' Well, my bank records show my check cleared on XX/XX/XXXX, so I know there's no question on whether or not they received my letter. They tried calling me again at the end of the day on XX/XX/XXXX. On XX/XX/XXXX, not only did they NOT comply with my peaceful request to stop calling me, they actually escalated their activities. They called my cell phone again at XXXX AM. They also tried to call my XXXX mother 's home phoneline a minute later at XXXX AM to start bothering her for no reason when she has nothing to do with my debt. They've been notified in writing to only contact me in writing. How much more XXXX can they get? 

I've attached phone logs of all the call attempts for reference. Im also attaching a copy of my letter I sent them. My cell phone is set to forward unknown callers directly to voice mail without ringing my phone. It doesn't block calls. I have never spoken to Associated Credit Services Inc. on the phone personally, nor do I intend to. From my experience, phone conversations are where things start going wrong, and then everyone ends up debating over who said what later on.
Consumer complaint received 2022-12-19
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. ()

there was an out standing amount of XXXX XXXX showing against me from XXXX XXXX XXXX XXXX CONTRACT ID : XXXX which i had already paid on XXXX XX/XX/2022 at XXXX XXXX  but the company has reported my account as written off/wilful defaulter in the credit bureau and now i am getting trouble in getting any credits or loans.I ALSO RAISED A DISPUTE IN CREDIT BUREAU BUT NO SOLUTIONS TO THE PROBLEM.DOCUMENTS ARE ATTACHED HEREWITH.PASSWORD FOR XXXX  IS XXXX.
Consumer complaint received 2022-12-19
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$40.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$1500.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXX XXXX XXXX XXXX : {$580.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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. (CA)

Despite the multiple previous written requests, the unverified the following items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A. (PA)

The account is an over draft protection line of credit with PNC. 
When attempting to pay off the amount of XXXX on XX/XX/XXXX, my checking account was charged twice for that amount. After several days, The numbers shown on my virtual account did not reflect that I had paid the amount back nor the effects of the second payment. 

I waited several days to see if the account would right itself and it never did. I called around XXXX on XX/XX/XXXX and was told an order had been put in to fix it, and it might take up to seven days. 

Within that time automatic payments have been taken out of my account and triggered overdrafts from a line of credit that was incorrect. 

I was told specifically on the call it was not my fault but a glitch that happens every so often. I was also told that it may take shorter than seven days because the fix is within my account. I was also told their was nothing I or they could do about the overdraft charges while the account is broken I find the wait time for them to fix their mistake is appalling. As is the continuation of charges to that line of credit for overdrafts that should not have happened if not for their mistake.
Consumer complaint received 2022-07-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

Experian XXXX and XXXX have violated Federal Consumer law.

1. Pursuant to 15 USC 1681 ( a ) ( 2 ) Accuracy and fairness of credit reporting. Reporting inaccurate, erroneous, fraudulent information on my consumer report after given the correct information constitutes your willingness and negligence in breaking the law.

2. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft They have investigated and deleted in the past and reinserted without notice a violation and deletion is admission of error.

3. Pursuant to 15 U.S. Code 1681 ( n ) ( b ) - Civil liability for willful noncompliance.Civil liability for knowing noncompliance.

Consumer reporting agencies have the vital and grave role solely report infact they must correct or delete any and all inaccurate, incomplete, fraudulent or unverifiable information.Inaccurate, incomplete or unverifiable information must be removed or corrected, as pursuant to 15 USC 1681c-2 Block of information resulting form Identity theft within 4 calendar days and the above CRA 's are in thorough violation of that and I am seeking damages due to defamation of character liable and denial of credit due to their negligence and willful noncompliance with the below evidence that is attached below. 
The Credit Reporting agencies provide dark web monitoring services and are privy to the personal data and account information that have been compromised by thieves however remained willfully noncompliant in removal of the fraud without cause, causing severe emotional and physical distress loss of creditability, creditworthiness an inability to extend credit and multiple counts of violations pursuant to 15 USC 1692 ( e ) ( F ) in which I am demanding immediate restitution from each individual Consumer Reporting Agency in addition seeking immediate removal and permanent correction of all the fraudulent, late and erroneous data that they have continuously been reporting despite verifiable evidence of otherwise and that as the consumer the transactions where not consented by my authority and therefore they have no permissible purpose in reporting any debt that I the original creditor have not validated as Pursuant to 15USC1692h.
Consumer complaint received 2022-06-15
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: Coinbase, Inc. (WA)

I opened a dispute regarding four transactions on my Coinbase XXXX XXXX. It has been 10 days since the first two fraudulent transactions and 5 days since the second two. All the transactions are for the same amount and charged two at a time by the same vendor. 
Per the Federal Reserve Act Regulation E they should have 10 days to investigate the issue and if they can not resolve the issue by then they need to provide me with a provisional credit if they need to further investigate. Instead, every time I am contacted by customer service it has been to request the same information. They have not provided any provisional credit to my account nor do they appear to have made the slightest bit of progress with their investigation considering that they keep asking for the same transaction information despite it being in the email thread the contact me from. I have even provided screenshots of the transaction records. 

Merchant name : XXXX XXXX  Date/time of transaction : XX/XX/2022 XXXX XXXX and XX/XX/2022 XXXX, XX/XX/2022 XXXX, XX/XX/2022 XXXX Transaction amount : {$20.00}, {$20.00}, {$20.00}, {$20.00} Dispute amount ( must include original transaction amount ) : {$20.00}, {$20.00}, {$20.00}, {$20.00} Was your physical card compromised? No Is the card still in your possession? Yes Was this a recurring payment? No Have you purchased from this merchant in the past? No Have you tried to contact the merchant to resolve? No contact info What merchandise or service ( please provide a detailed description ) was ordered and when was it expected to be received? I have never heard of this merchant or ordered from them in my entire life
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I refinanced my mortgage thru guaranteed Rate and made my first two mortgage payments to them ( XXXX & XXXX ), then NewRez purchased the loan and immediately stated I was behind in payments. I provided them the documentation of proof ( See attached files ), but they say their still looking into it four month later, and now are hitting me with late fees, and are threating to impact my credit and or take my house. I should not have to be intimidated, since I have completed all that is required from me. my loan # is XXXX with New Rez XXXX. 
I have called and spoke with them multiple times the last 4 months, and they keep saying they are looking into it. How long do I have to live under their threats and intimidation, and now " Late Fee 's ''.
Consumer complaint received 2022-12-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-30
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. (MD)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions Pursuant to issue 18 U.S.C 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 U.S.C 1681B 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 U.S.C 1681 4
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (NJ)

I'm in the process of trying to repair my credit and I came across this account which has 2 accounts ( {$540.00} and {$190.00} ) which isn't mine. So I sent in a letter for validation as the begin process of cleaning up my file. I'm disputing and that was back in XX/XX/2019. I recieved no response back. Attached is a copy of the validation letter I sent. This account is not mine and I need proof : original copy of contract, signature and social, proof to collect in my state, Assignment clause, Notarized letter of debt purchase and signed contract from original creditor. As per the fair credit reporting act I'm within my rights to have this completed in a timely fashion.
Consumer complaint received 2022-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint said that my property is XXXX. That is not factually accurate because I still have title to my property meaning I own property. There has been no deed or title transfer from the court. Shellpoint can not provide any document that shows I do not own my property currently. Florida is a judicial state and a title state.
Consumer complaint received 2020-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (WI)

On XX/XX/2020, I went into debt consolidation with XXXX XXXX and Speedy Cash was listed as one of my creditors. Shortly after XX/XX/XXXX, Speedy Cash received a stop payment notification from the XXXX XXXX. My payments had stopped until today. 

Today, I had 5 withdrawals of {$74.00} and a pending withdrawal of another {$74.00} totaling {$440.00}. 

I contacted Speedy Cash twice by email and never received a response. So, I called them and spoke to a guy by the name XXXX ( if that was his real name ) to which he was being rude and kept telling me that they had never heard of XXXX XXXX that they had no record of any communication of a debt consolidator on my behalf. I argued how Speedy Cash would have known to do a stop payment if XXXX XXXX didn't contact them because I never requested this directly with Speedy Cash as I was instructed by XXXX XXXX to allow them to set everything up. He kept talking over me and telling me that they were authorized to make these withdrawals. 

I was then transferred to a manager, who did absolutely nothing but transfer me to a number that went to a voicemail. 

To argue that I was wrong that I had told them I was going into debt consolidation and that when they never heard back from XXXX XXXX ( the very group that XXXX stated that Speedy Cash never knew about ), they took it upon themselves to remove the stop payment and make the consecutive withdrawals. When I spoke to the manager, he stated that they had never reached out to XXXX XXXX regarding any settlements, but complained that XXXX XXXX had not reached out to them with a settlement offer. 

I don't understand how this negates a legal stop order of withdrawal.