davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stuart-Lippman and Associates, Inc (CT)

Stuart-Lippan claims I owe the XXXX XXXX company {$12000.00}. I have written and asked for proof that I owe this money. I did not receive and answer. When I asked XXXX XXXX of Stuart-Lippman for prof he told me they will prove it at court.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these accounts 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 XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section XXXX and XXXX XXXX provide me with a remedy which XXXX about to seek. You are willful non-complying with the FCRA. 

Since you claim XXXX verified the accounts listed below I wanted to confirm my thoughts and contacted the banks 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 XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern, I am writing to dispute the accuracy of XXXX collection accounts listed on my credit report under the account 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 I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2017-08-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (FL)

Sunwest Mortgage Company deducts taxes and insurance payments every month. As we kept calling to advise them of the insurance notifications, every representative stated the payment would be made on time, which was by XXXX XXXX 2017. I just received notice today that my homeowners insurance lapsed, during hurricane season! And for failure to pay insurance premiums, which Sunwest Mortgage deducts a year in advance.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is blocking positive information from reporting on my credit report. I am an authorized user on my husbands XXXX and have been since 2001. XXXX reports authorized users each month and Transunion had reported it on my credit bureau report for years. I am trying to buy a house so I recently contacted Transunion to ask them to update balances etc. on my credit report for my XXXX. I only wanted them to report accurate information. They advised me to file a dispute with them so I did. ( see attached example ). Transunion instead of updating my raised credit limit and XXXX balance instead DELETED the positive account from my report. I was then told by dispute department that because I was an authorized user and I filed a dispute they immediately removed it and they would never allow it to be reported again. I only filed the dispute because that is what THEY told me to do. Because of one of their employees errors my credit score suffers. XXXX established length of credit for me as I have had it since 2001. I worked with XXXX and they reported it on XXXX XXXX and also manually on XXXX XXXX but Transunion is blocking it. If you check reports prior to XXXX XXXX you will see that XXXX reported on my account. XXXX XXXX XXXX ending in XXXX
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because TransUnion 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 verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (IL)

The account just appeared in my credit I have never received ANY written notice prior to being listed to my credit, also I have made several attempts to complete ID theft and they still have not sent verification of debt
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Account Balance : {$45000.00} XXXX XXXX XXXX XXXX Account Balance : {$15000.00}
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2016-07-26
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY (NY)

Someone used my online account info through a wifi password while I was online during that time. However, I do not know this pert thought I met him through a third party ( friend ) after receiving and email of a mount taking I immediately file the dispute after given by the bank an email regarding he transfer I then knew who it was after given and providing a police report and name of person ( s ) the bank indicated it was a valid transaction and closed my account. They spoke to he merchant and the police ( allegedly ) reportedly by investigation. After I spoke with the police they indicated Amex XXXX did not speak to them. The bank refuses to disclose any other information and constantly hangs up on me after being angry. of course. They fabricated information it seems and they also did a poor job regarding investigation they no once spoke to me only to the pert and allegitlly the officer who took the report all calls are recorded via Amex. How did they concluded a fraudulent act and report and made their findings in 8 days when they never spoke to me and the same person that when I looked up his name that and email was attached to my account ledge from online he has done did more then XXXX person. This will be address by the courts if not by your investigators. They basically limited me on this case and did not secure my identity In fact the same person used what he retrieved on the data retrieval program on wifi from what wa given to me that he 's already access other assets of mine due to Amex XXXX lack of secure system. This will be consider security breach and as well fabricating infor to consumer regarding his rights by the law. I lost my job and have bills to pay due to heir lack of judgment on this case. Why did they call him and never spoke to me.
Consumer complaint received 2016-07-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I applied for a new Citibank ( Checking ) Account Package promotion over the phone using promotion code XXXX. This promotion states that it would give {$400.00} if an initial amount of {$15000.00} or more is deposited into the account within 30 days. I asked the customer service representative that was opening the account for me if the promotion was applied to my account and I was told that yes - it was attached to the account and that I qualified for it. 

The account was opened on XXXX/XXXX/2016 and the {$15000.00} was transferred on XXXX/XXXX/2016. This is within the requirements of the promotion. I called recently to check on the status of the promotion and was told by the customer service that the promotion was not tied to my account - which is incorrect. I applied for the account over the phone, and was previously advised that the promotion was attached to the account and that I qualified for it.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (SD)

Did not provide a response Delinquent Account Lender XXXX/XXXX/16 HSBC BANK XXXX XXXX XXXX XXXX, NY XXXX XXXX A lender reported that you did not pay them on time, and the account is now 30, 60, or 90 ( or more ) days late Reporting Detail Account Number XXXX Amount Delinquent {$0.00} Account Balance {$0.00} Payment Status Unknown Contact Method Other Got it XXXX / XXXX is posting an account delinquent which is being reported as 30,60,90 days past due. This should n't even be on my history. Also I called them and they keep giving me the run around and can not find this account.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2016-07-26
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AL)

I received numerous calls stating they were processing a lawsuit against me for cash central and that I would be serve a subpoena to attend court on XXXX of the voicemails I was told if I did n't call back to Watch Out. The debt was about a payday loan that I took out that was sold to XXXX debt collector then that debt collector sold it to national check resolution also go by XXXX recovery services. When I called back the guy I talked to got very rude and aggressive with me as I began to question the matter he said it was because the subpoena was on the way to my house. They told me to give them my credit card number to settle a XXXX loan for {$300.00} or I will have to pay {$1000.00} plus attorney fees and court cost. I do n't know what to do because when I called XXXX attorney they tried to look up the company and told me it was a scam and I need to cancel my bank card but I do n't want to do that and end up getting sue for more than I owe.
Consumer complaint received 2024-10-25
Product: Credit reporting 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)

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. 

Account Name : XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified accounts 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts 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 CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which 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 banks 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 DELETE the accounts, or inaccurate information, from my file immediately 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
Consumer complaint received 2016-07-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

Our mortgage lender, Bayview Loan Servicing, has failed to pay our property taxes. Property taxes and insurance are included in our monthly mortgage payment and placed in escrow. Our payments are up to date and we are in good standing. We received notification from our XXXX 's tax office stating that our taxes for 2015 were n't paid. After repeated attempts to resolve this issue, our taxes have still not been paid by Bayview and as a result, a tax lien has been placed on our property which will result in foreclosure if not promptly addressed.
Consumer complaint received 2016-07-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VT)

Navient has ruined my credit report. I have been faithfully having {$100.00} every month taken out of my bank account for the last couple of years and when I signed up for their program they said that the monies will go directly to the principle. Not true, my cosigner has been trying to get a loan and on my report it says I have n't been paying at all " charge off. '' Upon further digging today I found that they are charging my interest. I wish I would ha e known because I would ha e claimed it on my taxes in XX/XX/XXXX and XX/XX/XXXX. I got not letter from them saying that I paid them interest. Today I was on the phone e with them for well over an hour and they just kept making me hold or sending me to another department that just passed me on to another and another. They offered my coborrower a payoff to take his name off my loan in the amount of {$3000.00} and then said they would write the whole loan off if he came up with {$600.00}. Both of us would qualify for a loan to pay this off if they have n't been reporting that I am not paying. I have had problems with this loan in the past when they were taking payments when they were not supposed to. My account according to them is on track because of the {$100.00} a month payment, but then I switched departments and they say because I have n't been making the full payment I am delinquent and that 's why my credit report says I have a charge off. Why set a payment plan up for me and tell me I am all good and then write me off as a delinquent account? My coborrower says they have been calling him every day, but they have n't called me to tell me what they are offering him or that there is even an issue with my account. I see on their website that there is a way to relinquish the coborrower, but I need good credit. How could I have good credit if they are the ones ruining it? Even though I have a payment plan with them they are charging me the remaining balance due every month. I had no idea that they were doing this. I thought that the repayment they set up with me was covering everything and all of it was paid towards the principle. They pulled a fast one on me and I ca n't believe I trusted their word, never trust your loan holder is what I am now thinking. This is the second time they have done me wrong. I have no way out, they wo n't make the {$5600.00} I owe them RIGHT now go away to clear my credit score, even though I have been paying them. Help me, please ... if there is anything you can do!
Consumer complaint received 2016-07-26
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX of XXXX I was contacted by XXXX XXXX stating they were filing a lawsuit against me and that the lawsuit will be delivered to XXXX XXXX Courts if I do n't settle the debt. I was allowed to set up a payment plan if I give them an amount to pay. I settled for {$2600.00}. 

In XXXX of XXXX, I was able to pay off the settlement amount and they sent me a Release Letter stating that my account is paid in full and I am no longer liable for the debt. 

Today, XXXX XXXX, XXXX, my brother-in-law and husband received phone calls stating that the callers were " servers '' from XXXX XXXX XXXX. I called the number and they were posing as " servers '' but " transferred '' me to their litigation department to settle prior to serving my employer tomorrow. They identified themselves as XXXX XXXX XXXX. He told me the same thing, settle and send money or they file legal documents. I called back and ask for the account number of the original debt. This debt is the same debt I had already paid and settled with XXXX XXXX. I told the " Litigation Manager '' I have release letter regarding this account. He told me to email to XXXXXXXXXXXX and fax to XXXX. I emailed. However, when I tried faxing, the number he provided was an incorrect number. 

I will be filing a separate complaint against XXXX XXXX XXXX.
Consumer complaint received 2016-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Southwest Credit Systems, L.P. (MD)

unauthorized use of estate 1 ) Name and address of the holder in due course of the alleged Debt, 2 ) A copy of the original signed Contract and all of its amendments, addendums, between the parties, 3 ) Copy of the original signature for each item listed on the account statements, Verification is to be attested, under penalty of perjury, by a wet ink signature.