davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
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. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX TBOM/CONFIN XXXX CB XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-11-22
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. (MI)

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX - Account number - XXXXXXXX XXXX  - Account number - XXXX XXXX XXXX  - Original creditor : XXXX  - Account number - XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX Account number - XXXXXXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/ 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-11-12
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. (AZ)

Upon reviewing my credit report, I discovered several erroneous entries. The XXXX credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX Balance : {$850.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company (TX)

At least  XXXX  credit burea u (  XXXX  ), has repor ted an outstanding debt that is not mine. The original creditor is  XXXX   XXXX . I have not been a customer of  XXXX   XXXX  's for over a decade. The company reporting the debt to the bur eau ( s ) is Focus Receivables Management.      In late  XXXX   XXXX , I spoke t o Focus Receivables Management. The  agent advised me to file a dispute with  XXXX   XXXX . She said she believed it may be for some one else with the same name as me.     I filed a dispute with  XXXX   XXXX  on  XXXX / XXXX / XXXX . I have attached the incident number. On  XXXX / XXXX / XXXX , I received a written notice stating they will remove the INQUIRY from my credit report. I was confused by this, as it is not listed as an inquiry on my   XXXX   report. It is listed as an unpaid collection debt.     When I filed a dispute with  XXXX , I received a notice stating that the debt was verified belonging to me. I filed this dispute on  XXXX / XXXX / XXXX . I have attached confirmation number for this too.     Additional Information : The amount owed is {$850.00}. The date reported was  XXXX / XXXX / XXXX . The date of first delinquency was  XXXX / XXXX / XXXX . The date assigned was  XXXX / XXXX / XXXX .
Consumer complaint received 2024-11-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ideal Collection Services, Inc. (FL)

On XXXX. XXXX, 2019, Ideal Collection Services Inc. reported a balance of {$6100.00} in debt to XXXX of my credit reports. I have requested on multiple occasions for a thorough investigation and validation of this debt. I have never received any contracts, signatures that I have signed to validate this debt. 

They refuse to remove this debt from my credit which hindered my credit score GREATLY. 

They cant provide validation of the debt and still refuse to remove it. I have no clue who these people are, how they got my information and so fourth and they wont provide me any proof.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-11-22
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: LJ Ross Associates (MD)

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I needed a little help with my mortgage payment and called to ask them if I could defer XXXX of the payments to the back of the loan. I have done this before, where I only pay the interest and they were able to put that toward the back of my loan. I advised the rep at select portfolio mortgage company, that I didn't want to do this. If it was going to take a while or XXXX things up. He assured me that it wouldn't. They asked me to send in all my financial information which I did. They asked me to send in my pay stubs which I did. I let them know that my pay was going to be a little bit lower so it was going to be hard for me to make that payment for just that month. After getting the paperwork, select portfolio, drug their feed for so long, I kept having to call in and ask them by what the progress was. Every time I called they would ask for something completely different. At XXXX point, they had asked me to verify my savings account which had very little in it. After sending that response in, they asked for something else which was totally unrelated. After sending all this information in and waiting, I finally called them back because I hadn't heard anything. That it was not approved. This is after waiting almost a month and a half on their decision. This made my loan late and I had to play catch up to get it all caught up today. What makes this even more aggravating, is that by select portfolios, actions, all of my credit cards started dropping. XXXX, all of my credit cards said they were closing their accounts with me. I then had to scramble to get some of this debt paid and I had now lost access to any of those cards that I could have used to financially help my situation and pay basic bills. My credit score shot way down and I had lost XXXX cards in total due to select portfolios actions. It would be XXXX thing if I was just affected with my mortgage company, but their actions affect all of my other credit cards XXXX. Had select portfolio had gotten in touch with me by any means, and told me what the progress was, and not delayed or dragged it out like they did, I wouldn't have been behind and I could have made other choices. My select portfolio account has always been paid on time and this whole interaction with select portfolio was devastating, as it took so much of my time to keep calling back and keep faxing other information piece by piece to them. This kind of practice should never be allowed. I just couldn't understand why select portfolio couldn't have helped me for that XXXX month that I asked for. This XXXX action with select portfolio has devastated me financially as I had lost most of the cards I rely on.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

On XX/XX/year> a loan modification with Shellpoint Mortgage Servicing was applied to my account. I made my expected payment of {$1200.00} on XX/XX/year>. Today, XX/XX/year>, I tried to make my payment for XXXX and see that I'm expected to pay {$2700.00} due to my escrow payment now being {$1900.00}. This is a sharp increase from my expected escrow payment of {$490.00}. I called and spoke to a representative who told me this is due to them doing an escrow analysis in XXXX, the same month they were working on my modification. When I brought this to her attention she says that it's an automatic analysis and my modification wasn't taken into account. She then told me they received a huge payment for my escrow, this is because a modification settles your escrow deficit and puts it into a new principal balance. This isn't even the information she knew to tell me but what I know from dealing with the modification myself. She then tells me they sent a check for {$2200.00} saying I had a surplus in my account. However, they're still expecting me to pay {$2700.00} for both XXXX and XXXX each due to an incorrect escrow analysis. When I brought this to her attention she says the extra amount is to bring me out of a deficit. How do I have a deficit when you're sending me a check for a surplus? Overall, my escrow account should be regular. It shouldn't be a surplus or a deficit. Because of them mistakenly sending this check, my escrow account now has a deficit. Please see the attached photo to see how this mistake has messed up my account. Since my loan was transferred to them in XXXX, there have been ongoing issues. From lack of communication leading to me having prolonged missing payments and ruining my credit to applying the master condo insurance to my account instead of my private home insurance. This has been nothing short of a headache and I have had to constantly reach out to XXXX XXXX to deal with them. I am under the impression that they are either trying to force people to foreclose or are extremely incompetent. Either way, I need my account fixed asap.
Consumer complaint received 2024-11-15
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: CITIBANK, N.A. (CA)

After reviewing my XXXX XXXX XXXX I notice negative reporting from several different banks, I'm not familiar with. I sent a dispute to ews asking for validation of the negative accounts being reported. In response, they sent a letter indicating the accounts were accurate, complete and was verified. However, I did not receive any of the documents I requested to verify and validate the debt and or negative accounts belong to me. 

CITIBANK account # XXXX According to the FCRA : XXXX. Right to Dispute Inaccuracies Section XXXX : Consumers have the right to dispute any inaccurate or incomplete information on their consumer report. Reporting agencies must investigate disputes, usually within XXXX  days. 
XXXX. Notification of Dispute Results Section XXXX ( a ) ( XXXX ) : Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report. 
XXXX. Notice of Disputed Information to Furnishers Section XXXX ( b ) : When a consumer disputes an item, the reporting agency must notify the entity that provided the disputed information. The furnisher is required to investigate the matter and report back to the consumer reporting agency. 

EWS violated my consumer laws according to the laws listed above by not providing written results detailing the results of the investigation and providing documents used to validate the debt. Please find attached all disputes sent to EWS and their response.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I noticed XXXX hard inquiries for a vehicle loan or credit loan on my credit in XXXX of XXXX. The issue is, I already own a vehicle that has been keeping my expenses much lower than getting a car payment. Its a bit unfortunate that information is easily accessible in the internet age. Hopefully, more secure measures will arise to avoid this kind of situation in the near future
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (FL)

# 2 These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. # 3 15 U.S. Code 1681c2 a consumer reporting agency shall 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 th
an 4 business days after the date of receipt
Consumer complaint received 2024-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (ID)

New Rez account # XXXX XXXX XXXX- they took over my account last summer. XXXX XXXX I made a payment but apparently the payment address for the ACH was changed. I have XXXX  XXXX XXXX ( XXXX ) cancel that payment and reissue to the new address on XX/XX/year>. New Rez said they didn't receive it. XXXX faxed them proof of them cashing the chk on XX/XX/year>. I called yesterday, they confirmed receipt of payment AND DID NOT APPLY IT TO MY ACCOUNT and said their was a ticket opened to find out where my funds had gone. They charged me a late fee!! 
On XXXX XXXX I made my payment- it went to the wrong address - a XXXX mistake. XXXX cancelled that check and reissued an ACH to them on XX/XX/year>. New Rez has still not processed that payment either. 
I have spoken with 10 different supervisors - I can list all the names if needed. Nothing has happened. They never call me, never follow up and I am spending two hours a week trying to get to the bottom of this. 
Are they trying to steal my home from me? I am a senior!! 
Please assist, XXXX XXXX
Consumer complaint received 2024-11-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I was unaware that a {$7000.00} collection had been filed against me at XXXX, XXXX, and XXXX by Fair Collections & Outsourcing ( FCO ). I have never been contacted by this company by phone or mail or any other means. I have not received a " validation notice '' so I was never given thirty days to dispute the collection before it was reported. In fact, I had no idea the collection existed until I was unfairly denied housing, due specifically to the size and recent filing date of the collection, which was related to apartment rental. The collection was filed by FCO in XX/XX/year>, but I didn't find out about it until XXXX, XXXX. If FCO had followed the rules, I would've received a validation notice and had the opportunity to dispute the collection before having my application turned down, with only three days left before my moving date. This collection must be deleted from all three credit bureaus immediately.
Consumer complaint received 2024-11-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (NJ)

On XX/XX/year>, I deposited a check written by my wife to me in person in one of Citibanks local branch with the amount of XXXX. Then my account was frozen by their anti-fraud department. Despite the fact that my wifes account and my account are in the same physical address and my wife has written similar checks to me before, the banks anti-fraud department demanded me to bring my wife in person to a local branch. After spent almost an entire morning arguing with customer service, being redirected to countless representatives, involving my wife and my wifes bank to the conference call, they finally confirmed it was a false alert on their side. Because the bank froze my account out of blue, my outbound transfer to my stock broker was blocked and then my stock broker froze my account because of that. Should this event happened in the month end or any bill due days, then I wouldnt be able to pay my mortgage and bills and damaged my credit score.