davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
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. (FL)

In axcordance 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 : DEPT. OF EDXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX. Account name : XXXX XXXX  # XXXX. Has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privicy. 
15 U.S.C 1681 Section 604 A Section 2. It also States aconsumer reporting agency can not furnish a account without my writen instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containging any of the following items of information. Any other adverse item of i formation, 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 shal not furnish any information relating to a conaumer to any conaumer rwporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: American Credit Acceptance, LLC (IL)

I went to XXXXXXXX XXXX XXXX  on XX/XX/year> to purchase a car XXXX  XXXX. I met with XXXX XXXX associate XXXX and we sat down and talked about the car I wanted. After that I Made a presentment and showed him My written affidavit for Credit application settlement through Transfer of endorsed certificate, and he had said he has never received anything like it and they had their own credit application. I told him I would like to get a car through acquisition and a XXXX he said he would need bank statements to show credentials of the funds I have. I proceeded to state that the money would come out of my social security XXXX  account and that I was performing my obligation to pay and I applied for the credit application and am exercising my rights of good faith. He stated that this was only going to go XXXX way and that was through the bank which I would get a loan from and they would run my credit to see which bank would approve me for a loan. He also told me I was considering putting a down payment and I had told him no this was a consumer credit transaction. After that We did my credit application and he told me that XXXX Banks accepted my application out of the many he ran my credit with, and that I would have to put at least XXXX $ to get the car off the lot. I told him I'm not putting a down payment. He insisted I ask someone to trade their car in, I blatantly told him no and he said if there's anything else I need Feel free to call him. I told him he will hear from me within a week.
Consumer complaint received 2015-07-27
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (SC)

Due to family illness I was unable to submit the annual occupancy statement for XX/XX/XXXX until XX/XX/XXXX. For efficiency I faxed the form to the fax number listed on the letterhead of the Champion Mortgage form. Three months later I received another request for the same form. I called the company number on the letterhead of the form and was given a different fax number and faxed a copy of the form I had faxed on XX/XX/XXXX. After receiving letters threatening foreclosure I sent by certified mail for which I have a signed receipt the original document which I had faxed in XX/XX/XXXX, a letter stating why I had been unable to submit the form on a timely basis, copies of XXXX utility bills and XXXX DTV bills. The receipt was signed on XX/XX/XXXX. Approximately 3 weeks later I recieved anothher letter suggesting I seek counseling for the pending foreclosure action. This time I called and was told there was no record of receiving the information which I had 1, 2mailed. On XX/XX/XXXX I faxed all of the information I had sent by certified mail and a copy of the signed receipt for the certified mail. On XX/XX/XXXX I spoke with the lady I had spoken to the day before. She confirmed receipt of the documents and told me that I would be contact by someone in Document Support to verify that that department had everything they needed or be informed of what other information that would be required. Today I received a call from a different person who stated that they had only received the occupancy statement. PLEASE HELP ME before this matter moves to foreclosure.
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PNC Bank N.A. (NJ)

XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, set up an auto loan that included XXXX  XXXX  and instructed me to contact them if I paid of the loan early to receive a XXXX refund of the XXXX XXXX contract payment which was {$1200.00}. I didn't have the loan for more than 2 months before I decided to pay it off in full. 

It's paid off and I've contact XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX times in order to get my refund back but have received XXXX response. They won't answer my calls. The finance person is a man name XXXX who refuses to take my calls.
Consumer complaint received 2024-09-03
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (MO)

This company has damaged my credit byt reporting inaccurate and false information on my credit file without my consent and i habe asked th to sende a copy of the purchase agreement and the bill of sale yo show proof that i owe the debt they say I owe. They hsve alreadt violated my consumer rights by reporting information about le on my credit file without my consent under 15 USC 1692g. I Ave also had this company to Cease and Desist and only communicate in mail which they have yet to do.
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TN)

On XX/XX/XXXX, my home was XXXX XXXX XXXX XXXX. XXXX XXXX XXXX merged with Shellpoint on XXXX or XXXX XX/XX/XXXX. 

They sent letters, saying my account # would not change, then when I called about the Insurance loss, they could not help me, because information was not in their system. 

Finally on XX/XX/XXXX, shellpoint drafted my mortgage payment from my bank account. The Loss Draft department indicated I still needed to wait to send the check. 

On XX/XX/XXXX, the Loss Draft dept sent me forms and instructions about the process. I followed instructions and they received the check for {$19000.00} on XX/XX/XXXX. 

I call on XX/XX/XXXX and I am told they can not process the check because they do not have sufficient information in another computer system. 

This is going to delay the completion of repairs to my roof, and if more damage occurs, because the XXXX has not been XXXX, I am not sure the insurance company will care that my mortgage was moved from one company to another. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-05-01
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. (FL)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (GA)

My loans were scheduled to be transferred in XXXX to EDfinancial yet when I applied for a different program they instead went to XXXX. Therefore an account was never initiated with EDfinancial. I received the attached correspondence and an email from the XXXX  notifying me of the transfer. EDfinancial is reporting my loans on my credit report, $ XXXX. XXXX is reporting my loans on my credit report, $ XXXX. It shows that I owe nearly $ XXXX in loans and this is simply inaccurate. My account with XXXX is actually {$0.00} ( as of XX/XX/XXXX ) since my loans are now paid in full. Yet EdFinancial is reporting a balance, payments received and delinquent payments with the most recent payment as of XX/XX/XXXX. I have zero record of this and have never paid them nor have I set up any account or consented to any bank drafts with them. I have filed numerous disputes with the credit bureau only to be told that the information ( my name, account number, date and amount owed ) is accurate so they won't remove. I initially spoke with XXXX ( a recorded call ) and explained the situation ; they could not locate any record of my ss #, credit report account number nor the account number I have on the single piece of correspondence I received from them, a welcome letter ; which this account number differs from what is on my credit report. They took my information and I was told they would investigate and update me with a letter within 10 days. This never happened. I have called them continuously for the past two months with no contact, either their phone goes to 'we 're sorry, circuits are busy ' or they say the hold time is 600 minutes or that they will call back when my place in line is up. I have never received a call back. I have mailed a letter to them via certified USMail, I have emailed them, I have initiated a chat on their website, it is offline continuously. I can not log in nor create an account on their website with my credentials, it says that my information is not found ( screenshots attached ). I do not know how else to have this matter resolved. I would like this info from EDfinancial removed from my credit report as I do not currently nor have I ever been in debt to them for a student loan.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to bring to your attention a concerning matter regarding the reporting of late payments to the credit bureaus on my account. I have been diligently maintaining my payments and have never missed a payment deadline. 

Upon reviewing my credit report, I was astonished to discover that late payments were reported for XXXX and XX/XX/. I must stress that I have always adhered to an income-driven payment plan as a low-income student. As such, the reporting of late payments is entirely inaccurate and does not reflect my payment history. 

I have made previous attempts to rectify this issue through your customer service channels, but unfortunately, I have not received satisfactory assistance. I am genuinely concerned about the impact this misinformation may have on my credit score and financial standing. 

I kindly request your immediate attention and action to rectify this error. It is crucial that these inaccuracies are promptly corrected with the credit bureaus to accurately reflect my history of timely payments.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-04
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. (TX)

Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Consumer complaint received 2019-04-27
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. (NY)

I sent a letter via certified mail to Experian on XX/XX/2018. Tracking number XXXX. It shows it was delivered on XX/XX/2018 and signed for. XXXX  tracking number XXXX XXXX tracking number XXXX I sent the letter stating negative accounts were not mine, never opened by me. I sent proof of this. I also sent proof that I never inquired on multiple accounts listed as credit inquiries. I never received any information in return and these items are still listed as mine on my credit report. 

Accounts fraudulently opened XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX I also have over 12 inquiries I did not make. I sent proof of this as well. 

The student loans listed as negative were forgiven and I also sent proof of this. The XXXX  XXXX was paid off in full. 

All of this information was sent over a year ago via certified mailed. It is my right and the law that this be resolved. This is having a negative impact on my life and I have taken any and all steps to resolve.
Consumer complaint received 2024-08-22
Product: Credit 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: DISCOVER BANK (CA)

Hello. On XX/XX/year> my credit card was charged {$4900.00}. The transaction appears to be as ( XXXX XXXX XXXX XXXX  ) located in XXXX FL XXXX. However, I live in CA, and the transaction was made in a different state, like the opposite side of the USA. I do not understand how that transaction went through without me being asked by the bank to verify it first. On XX/XX/XXXX night, I noticed my wallet was missing ( which had my physical credit card and my driver 's license in it ), that is also when I noticed the unauthorized transaction on my card and called the bank to let them know my wallet is missing, again saying that my physical driver license was in my wallet too. I told them that I had never left CA also. During the 90-day investigation, they sent me many papers such as affidavits to sign. I did all of it. Later, I received a call from them and they asked me how come had you lost your wallet for 2 nd time in my life which is very unethical question. The same card was also lost more than a year ago and maybe that is why they allowed themselves to ask that question. I also confirmed with them that the last time I used my card was the transaction made on XX/XX/XXXX, from XXXX XXXXXXXX XXXX XXXX amounting to XXXX XXXX As proof, they did not require it, but I was so cooperative that I called them and said that I could send my other card statements, which would show my daily transactions. They agreed, and I sent them by mail my 3 other banking statements which had my transactions showing here in CA made on XX/XX/XXXX, XX/XX/XXXX ( the day the charge was made in FL ), and XX/XX/XXXX also. Later, I called them to verify if they received my statements as a proof that the XXXX FL transaction was not made by me and that it was not authorized. They picked up the phone and stated that it was not an enough proof and that the case was closed. They did not even care to tell me that the case was closed, I found out about it at the time I called to verify If my proofs were received. I also asked what else they wanted because the statements I sent to them showed exactly the dates I used my other cards in CA, also showing my name, my address and all my other personal information. They said they do not know what exactly they want as proof and they stated that they are not proceeding with the claim. Lastly, they also reported my credit account as disputed, resolved, and disagreed with XXXX, XXXX, XXXX, and XXXX. This is just ridiculous. They have no right to ask me to pay for smth that I did not do, did not know, and did not authorize. they have no right to report my account as disputed, resolved ( when it is not ) and disagreed ( by the customer ). They did not even let me know about this, I also found out about this reported from the credit reporting agencies.
Consumer complaint received 2019-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX resold an account to XXXX XXXX- who moved from XXXX, NV to XXXX, mi according to credit data recently acquired. This account is reaged- XXXX debt is actually owed. 

XXXX  XXXX has abused my phone for over XXXX  in TCPA violations. They continued to harass me after stating they would cease. Further- they keep playing who owns the account game with XXXX/XXXX/XXXX XXXX to continue to illegally extort me. Even assuming I paid them- they would continue to extort me after trying to triple what I originally may have owed them. Once acct is resold- you only owe what the collector paid -- which is XXXX   on the XXXX. Both XXXX XXXX-targeting consumers with no or low or abused credit intentionally- and XXXX need business licenses yanked. I further demand access to new accounts from these companies to repair thier illegal damage. I am not afraid to take this case to the FBI and DoJ.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SOFI TECHNOLOGIES, INC. (NY)

A few weeks ago, my SoFi bank account was unexpectedly restricted due to some faulty ACH transfers from my connected external bank account. I spoke with two SoFi representatives who assured me they would assist in resolving the issue, but my account remains restricted. I've since removed the external bank connection that caused the problem, and it's now resolved on my end. However, I need SoFi to lift the restriction so I can continue using my account.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (NY)

XXXX it may concern I have these closed accounts with JPMCB CARD SERVICES Closed on XX/XX/XXXX & JPMCB CARD SERVICES Closed on XX/XX/XXXX. JPMCB agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to transunion, XXXX and XXXX or any other credit reporting agency.
Consumer complaint received 2023-08-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CrossCountry Mortgage LLC (NC)

I applied for assistance with a late payment which occurred in XX/XX/XXXX when I changed jobs. The late payment was due to my pay frequency changing from bi weekly to monthly I also encountered a temporary financial hardship when my XXXX unit needed repair and my vehicle broke down which needed a new battery and starter. The total out of pocket for these unexpected expense was in excess of {$1500.00}. I completed the paperwork to request a forbearance so I could get back on track. The deadline for all documents was provided by XXXX. When I checked the portal where the documents were uploaded on this date, it keep indicating the package was partially completed. The notes left in the portal stated " need one more '' next to the link for paystubs and banks statements. The requirement for these documents indicated a date range of 90 days which was provided. I could never get the XXXX XXXX XXXX on the phone in order to clarify what exactly was still needed. I received notification on XX/XX/XXXX that the request for assistance was denied due to incomplete package. This is not fair considering I could not get intact with XXXX XXXX for help. Since I could not make contact by phone, I left a message in the secure portal specifically asking for clarification on her statement " need one more ''. I never got a reply. In addition, I don't want to be charged for an appraisal on my house since the request was denied for a incomplete package. I have been getting letters constantly about this. They can send letters to my house but never available on to speak live on the phone. XXXX  XXXX was sued for actions just like this which lead to illegal foreclosures on customers homes. Cross Country Mortgage is patterning the same behavior. In addition, I never got a voicemail from anyone at Cross County Mortgage regarding my request for assistance. They also block their number when they call customers. I know this because I answered these calls and questioned them about this. I was was told they have no control over what the caller-Id shows.