davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-14
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)

TransUnion is the only credit consumer reporting agency that is reporting the ( XXXX XXXX ) account status as collections/ charge off ; however, according to the TransUnion online monitoring services, I have no late payment and no collection therefore it's an inaccuracy. This violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Delete the collections/ charge-off off account XXXX from the consumer report.
Consumer complaint received 2016-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

XXXX XXXX, XXXX Complaint Nationstar/ XXXX XXXX ( formerly XXXX ) I just want a mortgage amount of {$2000.00} and excessive forbearance reduced by 50 % with the my payment of the balance of the excessive forbearance waived for 2 years. 
Working diligently to get an affordable mortgage since XXXX. 
A reason given for not giving a affordable mortgage is excessive forbearance which would could have been prevented if I my income was calculated correctly and I was given an affordable mortgage. 
XXXX XXXX were given our first modification of {$1900.00} which included taxes and insurance, which had an excessive forbearance. We appealed this mount because the income was not computed correctly and should have resulted in a payment of {$1700.00} which we could afford. The income used was {$6200.00} but should have been {$5600.00}. 
My request to review this income calculation sent me through a dreadful cycle of unconscionable modification offers from {$50000.00} up front, my home being vandalized XXXX times ( by mortgage property inspectors ) to the present unaffordable modification of {$2500.00} with a forbearance of {$300000.00}, Just recently I was offered a {$2500.00} modification trial on XXXX/XXXX/XXXX and then was sent modification denial letter dated XXXX/XXXX/XXXX. The {$2500.00} modification trial on XXXX/XXXX/XXXX was for 40 years when I was told the previous modification trial offer of {$3100.00} could not be lowered. 
The XXXX report a Nationstar denial letter dated XXXX/XXXX/XXXX shows my home value at {$500000.00} when the Median price is {$270000.00}. 
The mortgage seems to have been sold to XXXX XXXX ( I was not notified ). XXXX XXXX filed a XXXX/XXXX/XXXX foreclosure which came to my attention from a XXXX foreclosure/modification advisory notice. 
I hope I can get The Bureau to help me. Thank you.
Consumer complaint received 2024-02-10
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: CITIBANK, N.A. (AK)

On XX/XX/XXXX I purchased what was supposed to be XXXX XXXX XXXX XXXX from a company XXXX XXXX I received the XXXX and they were not XXXX products, they had no part numbers and were not as described. I reached out to the company to return the item and they agreed to send me a shipping label. I shipped the products back, 2 of the products shipped to an undeliverable vacant warehouse according to USPS tracking, and the other 2 were returned to me stating the other address was undeliverable. I reached out to XXXX and have not gotten a single response or did I receive a refund. So I disputed the charge with my credit card company, CITI, on XX/XX/XXXX. After a month of review they decided that I was held responsible for this charge, so I reopened the dispute and sent them every email, pictures and tracking information stating that both return addresses were undeliverable. I typed a letter stating exactly what happened, it is clear as day that I have truly been scammed by this company and I am now out {$360.00} and I dont even have 2 of the 4 hubs because they are still sitting at a vacant warehouse in XXXX according to usps tracking. On XX/XX/XXXX CITI has stood by their original response and stating I am held responsible for the payment. I am reaching out to you to see if I can receive assistance in this case, I have been a victim of fraud and my credit card company that I have been a loyal costumer to since XXXX is not helping me in my time of need. Thank you for your time.
Consumer complaint received 2024-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

I sent a certified letter with return receipt to Credit Collection Services XX/XX/2024 for a validation of an alleged debt of XXXX. Credit Collection Services reported the account as " CLOSED '' with a Balance on XX/XX/2024 with XXXX but did notify XXXX or XXXX about the disputed Collection account which has not been properly validated. Credit Collection Services is using a tactic known as " Parking Debt '' on my consumer profile without delivering proper disclosures prior to furnishing data to the consumer reporting agencies. Collection activity has not ceased by this non public information being furnished to consumer reporting agencies, further damaging my ability to obtain credit.
Consumer complaint received 2024-01-14
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)

In accordance with the Fair Credit Reporting act XXXX using 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-28
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Dispute Regarding Inaccuracy Reporting of XXXX XXXX XXXX Account - Second Notice I am writing to address the ongoing inaccuracy in the reporting of the XXXX XXXX XXXX account on my credit report. Despite my previous attempts to rectify this matter, the account continues to be reported inaccurately. 

In response to my initial dispute, XXXX XXXX XXXX asserted that the account is reporting accurately. However, their response fails to address multiple violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802.

Firstly, according to 15 USC 6802, a financial institution must provide consumers with a notice before disclosing nonpublic personal information to a nonaffiliated third party. Additionally, the consumer must be given the opportunity to opt out of such disclosures, along with an explanation of how to exercise that option. XXXX XXXX XXXX has failed to demonstrate compliance with these requirements. 

Furthermore, XXXX XXXX XXXX has not provided evidence of how they verified the accuracy of the account, nor have they presented the required XXXX disclosure forms with my wet ink signature. As per FCRA regulations, failure to comply with these provisions warrants immediate removal of the disputed account from my credit report. 

Additionally, the account is erroneously reported as a charge-off. According to IRS Publication 4681, once an account has been charged off, it is no longer considered debt but rather gross income. Income should not be reported on a consumers credit report. Therefore, the reporting of this account as a charge-off is not only inaccurate but also misleading. 

I urge you to take swift action to investigate and rectify these violations of the FCRA. It is imperative that accurate and compliant reporting practices are upheld to ensure the integrity of consumers credit reports. I expect a prompt resolution to this matter and the immediate removal of the inaccurately reported XXXX XXXX XXXX account from my credit report. 

Thank you for your attention to this matter.
Consumer complaint received 2024-01-22
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: AMERICAN EXPRESS COMPANY (CA)

In XXXX of XXXX, I requested American Express to block several reoccurring payments/vendors and send a new card. The vendors were blocked and a new card came. 

In XXXX, the same reoccurring fees started to occur again. American Express claimed it was their fault and sent a new card. 

In XXXX, the same reoccurring fees continued - I requested my card to be cancelled. 

In XXXX, my card was not cancelled - and I was billed their {$550.00} annual fee. I withheld {$3200.00} in the final payment and the card was cancelled. 

All I want to happen at this point is for the {$550.00} fee to be removed ( which is not owed ) and I'll pay off the balance. 

American Express told me ( after being a large customer for 14 years ) that no one in the company can remove the fee, provide records that I ever called, and that I will be charged for penalties and interest for years to come.
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (DC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (NJ)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-06-19
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)

My Credit Reports are showing addresses associated with my father who passed away years ago who used my credit and I have sent death certificates and notices requesting they be removed. This issue is attaching debt that doesn't belong to me to my report. 

My only Name should be XXXX XXXX XXXX XXXX date of birth XXXX ONLY ADDRESS in years XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ONLY Phone number for XXXX year ( XXXX ) XXXX Please Remove the following names, addresses and phone numbers Names XXXX XXXX XXXX XXXX Addresses XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2024-06-20
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)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (OK)

I called the sears credit card customer service on XX/XX/XXXX to do 2 balance transfers to my Sears Mastercard. They successfully processed one of the two requests ( {$4700.00} ) within 2 days. The second request for {$4000.00} was " approved '', but showed a pending status. the second request never properly processed and shows a pending status to this date. I have made MULTIPLE calls to Sears Mastercard customer service ( XXXX ) with no resolve. I contacted them on XX/XX/XXXX to inquire why my {$4000.00} still showed pending and was " holding {$4000.00} in funds '' on my Sears Mastercard, but the {$4000.00} had not been received by creditor ( XXXX XXXX XXXX ). I was asked by Sears customer service to call the receiving creditor ( XXXX XXXX XXXX ) and file a missing payment dispute per the highest supervisor at call center in the XXXX. I have called my XXXX XXXX XXXX multiple times ( XXXX ), and they stated because a hard check ( not electronic ) check was sent from them ( Sears ), they are unable to file or investigate a missing payment, and Sears would have to " track '' the check they sent, OR " stop payment '' on it, and release my funds!! Sears stated it just needed more time to process and stated it would resolve by the next Tuesday. I called again on XX/XX/XXXX and talked with supervisor again and was told I must dispute the original transaction/transfer ( which they filed immediately ), and that it would go away and credit/refund the {$4000.00} back to my account properly, so then they marked my card for fraud and froze it to try and resolve issue. They also supposedly filed a complaint on my behalf and opened an investigation ( I never received any correspondence I requested regarding the findings of the investigation OR the checks tracking number/stop payment request ) I then called XX/XX/XXXX and was told by the XXXX supervisor I spoke with that there was nothing more they could do about this, and I should call the creditor ( XXXX XXXX XXXX ), again that Sears sent a paper check to!!! I spent hours on the phone and spoke with 5 different associates including 2 supervisors. EVERY person I spoke with at Sears Mastercard customer service ( XXXX ) was kind and constantly apologetic, but stated that they do not have authority, capability, or knowledge to resolve this problem. She stated they would open another investigation/complaint on my behalf! I have been a Sears Mastercard holder since XXXX and am extremely disappointed in their customer service department and ability to competently resolve ANY issues in the future. I would hope there is someone reading this who cares and will get this resolved and either find where they sent the check ( track it ) or stop payment on it and free up the {$4000.00} that has been pending on my account for 6 weeks. This is ridiculous and frustrating!!
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries.
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (NJ)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

In accordance with the Fair credit reporting act, this creditor has violated my rights : Under 15 USC 1681 Section 602 states : I have the right to privacy.

Under 15 USC 1681 Section 604A section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as Late for any purpose.
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

After my Mom passed away, her family inherited her home. During the Probate processXXXX XXXX XXXX XXXXXXXX, the lender, transferred the mortgage servicing to Select Portfolio Servicing ( SPS ). However, after the transfer, SPS claimed that we were not authorized on the account and denied us access to the account, including payment information. Consequently, they initiated foreclosure proceedings on the home. Despite our efforts to obtain information on the payoff amount needed to rectify the foreclosure debt, SPS has refused to provide it. They instructed us to contact their attorney for the redemption period cure amount, but their attorney has not been responsive. It seems they are deliberately delaying the process, preventing us from resolving the debt and retaining our family 's home.