davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within XXXX  days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (IL)

XX/XX/XXXX Nationwide Credit , Inc. located in XXXX, DE and in other cities and states, sent me a letter earlier to XX/XX/XXXX in which I did not receive by mail, advising me that my account was placed with them for debt collection. Right now, I owe XXXX XXXX  via XXXX XXXX {$1200.00} They are offering me an opportunity to resolve this account for less than the full amount by paying {$510.00}. I must call them or log into their website by XX/XX/XXXX in order to accept this offer. NCI is not obligated to renew this offer. Both XXXX XXXX  and Nationwide Credit are scamming in order to get people to pay certain amounts for XXXX XXXX and both companies can not and should not be trusted.
Consumer complaint received 2024-01-11
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (AL)

My mortgage company ( Lakeview Loan Servicing ) failed to make my property tax payment by the due date ( XX/XX/XXXX ), per my courthouse. While I was at the courthouse paying my other property taxes, I paid the property taxes on my home ( XX/XX/XXXX ), because they were going to be delinquent. 

The mortgage company eventually ( after the due date ) paid my property taxes to the court house in the amount of {$760.00}. However, my courthouse could not cash their check because the property taxes had already been paid by me. 

I have tried, relentlessly, to get my mortgage company to reissue to me the {$760.00} that I am owed for the duplicate payment. Most recently, I spoke with them on XX/XX/XXXX, where they told me they made a request to my courthouse to refund their payment on XX/XX/XXXX. They told me that my courthouse was slow in processing overpayments, so it would take 8-12 weeks from the date of the request ( which would be XX/XX/XXXX, at the latest ). However, my courthouse is adamant that they never even cashed the check from my mortgage company, despite the fact it was withdrawn from my escrow account. They say they mailed the check back immediately to the mortgage company. Today, I spoke with my mortgage company again, since they should have received the overpayment early last week ( nearly TWO WEEKS ago, per their own guidance on my last call in XXXX ). 

Today, one representative told me that they HAVE received the check from my courthouse, but that they are waiting on XXXX XXXX  ( which I assume to be some third-party administrator ) to send Lakeview the money XXXX I asked for the issue to be escalated to a manager, and the manager claims that they do NOT have the check from my courthouse. She tells me that she has no idea when they will receive it, but my courthouse ( who I spoke to this morning ) maintains their duplicate payment was NEVER even cashed! 

I feel as though the mortgage company is taking advantage of the fact I can't do anything to get my money back. I shouldn't have had to make the payment in the first place, as it's their responsibility to remit my escrow payments in a timely manner. I have now paid TWICE for my property taxes, as my escrow account was debited for the duplicate payment. It has been nearly six months, and I feel this is unreasonable for a financial institution.
Consumer complaint received 2023-11-10
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (CA)

I opened the account upon recommendation from XXXX. I used the line of credit to payoff some expenses, then paid by balance off in full in XXXX. A week later, I received an email from the company showing a balance of {$76.00}, I called and spoke with a representative who told me " on a recorded line '' they would waive the balance and close my account, per my request. I continued to receive emails regarding the balance and continued to contact them. They claim they listened to the original call and I was never told the interest would be waived. I said then confirm closure of my account as my bank account was already drafted for the charge. I was told by multiple representatives it would be closed. then I started to get emails again regarding a balance due of {$1.00}. So the cycle of emails and calls to the company began. I contacted my bank and they have blocked all further withdrawal authorizations from Upgrade. As of today, my account is still open against my request and they continue to charge interest. I want this to stop.
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (AL)

A collection was put on my credit report for {$810.00} from Enhanced Recovery Collections for XXXX XXXX. Ive never had an account with XXXX nor do I owe them this amount. Also, I called XXXX to see what was the reason for the charge. Since XXXX is owned by XXXX. They claim it was for an old bill of {$660.00} from XXXX XXXX, when I lived in XXXX XXXX. However, I dont remember owing them this amount and Ive never received any correspondence from XXXX XXXX XXXX XXXX XXXX XXXX Enhanced Recovery Collection in regards to this delinquent debt. Furthermore, it would be an old debt with XXXX that exceeds the statute of limitations in Alabama. Ive lived in XXXX since, XX/XX/XXXX and this was just put on my credit report on XX/XX/XXXX. Ive never received any correspondence from this company in regards to this debt the entire time. This is totally an unfair process in trying to collect a debt that I do not owe.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (ME)

This is NOT the first time dealing with NewRez. I have had nothing but customer service issues and constant battling with them. At one point, I had to activate the XXXX XXXX service just so I could get in touch with leadership to help me. I thought I was done ( other than paying my mortgage ) but NO. I have MORE ISSUES. 

In XXXX, we hired an engineer to survey our property. A LOMA was submitted to FEMA, which was approved in XXXX and our home was officially moved from Zone A ( highest risk of flood ) to Zone Z ( no risk at all ). I am STILL WAITING for them to complete an escrow analysis in order to reduce my monthly payment. How in the XXXX is this taking 60+ days???? I provided a letter - FROM THE FEDERAL GOVERNMENT. 

And now - ANOTHER issue. My insurance company called me today to say that have not received payment from NewRez for our homeowners insurance. They have sent multiple letters and NewRez hasn't paid. Now our policy will be cancelled on XX/XX/XXXX for non-payment!!!! NewRez has PLENTY of money from our escrow account. What's the problem???? You're taking my money and NOT PAYING THE BILL. GET THIS DONE BEFORE XX/XX/XXXX or I will be hiring a lawyer. This company is the BIGGEST JOKE. I can't understand how they have not been sued multiple times and have not gone out of business. Doesn't the mortgage company REQUIRE homeowners insurance??? What happens when it's canceled because THEY don't pay the bill, but take OUR money which is supposed to be used for it. Isn't that a breach of contract??? 

Oh - and don't bother asking me to email XXXX. THEY DON'T HELP. 

PLEASE - just PAY MY BILL. You have $ XXXX in our escrow account ( because of the flood insurance WE DON'T NEED and you continue to charge us monthly for ). The bill is XXXX {$350.00}. If we don't have insurance because it's canceled due to lack of payment from NewRez and anything happens to our home, we will do everything in our power to hold NewRez accountable. Total crooks.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC (MD)

I received a letter in the mail from an attorney.Lyons, Doughty & Veldhuis PC representing XXXX XXXX XXXX stating that suit has been filed against me.I sent a debt validation letter to them and in the letter.I requested that all legal proceedings regarding this debt cease and desist against me until the debt has been validated.Under the fair credit reporting act and they still are continuing to attempt to contact me.This alleged debt is still not validated and they continue to continue me.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

n 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.

XXXX XXXX A Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXC Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXE Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX has violated my rights. 

XXXX5 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 2024-05-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

The CA XXXX Rent Relief Program settled mine and my wife XXXX XXXX XXXX outstanding rent balance of {$7200.00} for the XXXX XXXX  XXXX XX/XX/XXXX, under Case ID XXXX. However, on XX/XX/XXXX, the XXXX XXXX  forwarded my account to Columbia Debt Recovery XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, with the account number XXXX. 

Despite several attempts to contact XXXX XXXX and providing Columbia Debt Recovery with proof of payment from the California XXXX Rent Relief Program XXXX the collection agency has remained unresponsive and insistent that I owe the debt, even offering a reduced settlement. 

The actions of this agency have significantly harmed my credit score, resulting in substantial financial loss and the collapse of a home purchase escrow. I am of the opinion that this company 's conduct constitutes fraud.
Consumer complaint received 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

I sent a letter off on XX/XX/2023. To remove personal information that I do not want on my credit report. Accrording to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-04-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (CA)

Good Evening.. my dears At Consumer Financial Protection Bureau XXXX greeting I'm having difficulties getting My judgement Funds from Chase Bank, JP Morgan, I faxed my File Case XXXX three times From chase bank, XXXX California, branch on XXXXXXXX XXXX and so far no reply from chase bank side and Here 's what happened today Friday XXXX see As per my phone conversations, today Friday, XXXX XXXX with chase customer service XXXX Time : XXXX XXXX  California pacific standard time , Case number : XXXX XXXX This is regarding my judgement XXXX Been faxed to 3 times to chase Court orders and Levies department, fax XXXX, so far nothing Received from Chase Court Orders Levies department Please find enclosed with My fax to you the Following Court Documents : * Plaintiff Federal Procedure Rules 54 B * My judgement Statement of Cost Please Process my judgement Funds as quickly as possible Since the judgement XXXX due since XXXX XXXX, thank you, for your help,
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargo customer service between XXXX and XXXX pt, on Thursday, XX/XX/XXXX. 

I told the lady that my bill pay check has not arrived, on time. 
Check # : XXXX Reference : XXXX Send date : XX/XX/XXXX Expected delivery : XX/XX/XXXX She began describing how hard it is to hear, and refused to talk to me. 

I hung up the phone. 


Also, my balance, for Account XXXX, XXXX XXXX, had 6 or so overdrafts that occurred. 

A purchase {$100.00} at XXXX XXXX caused that negative balance, which occurred before an alert was sent, that I have 24 hours to bring my balance above XXXX dollars. 

This - {$110.00} balance, caused numerous other overdrafts to occur, while all transactions, had already been made in person, using my Card XXXX, and I had a positive balance positive balance. 

I never made any transactions that went into a negative balance. 

These transactions were made after a Deposit from XXXX, {$1000.00} on XX/XX/XXXX. ... thru XX/XX/XXXX.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (FL)

My mother XXXX XXXX is XXXX and not computer literate. Due to hacking she was offered free credit monitoring with XXXX which I signed her up for. On XX/XX/2023 XXXX notified her that a delinquent account was posted on Transunion. Transunion has XXXX XXXX posting a delinquent account from XXXX for {$32.00} in XX/XX/2023 that they ran up interest on to {$330.00} before they closed the account in XX/XX/2023. 
My mother does not have a XXXX XXXX XXXX and she has never received a bill from XXXX. Could you please help us find out what is going on here? My mother has never not paid a bill in her life and we have never heard of " XXXX XXXX ''. 
I tried disputing the claim with Transunion but within 24 hours Transunion came back with a verified as accurate and did not provide any documents. I helped my mother write a letter to XXXX XXXX and still have not received a response from that bank. The letter was sent on XX/XX/2023. 

XXXX XXXX for XXXX XXXX
Consumer complaint received 2024-01-11
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This process is my follow-up request to fix this account : XXXX XXXX Balance : {$1900.00} The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that the disputed account gets corrected.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (GA)

I have repeatedly ask about a validation letter from National Credit Adjusters way back in XXXX, they say they send it thru Mail, haven't received anything, it been passed 60 days, I sent my letter certified, no validation information was sent I haven't received it.It suppose to take 30 days, it is now 60 days, Please investigate now, Due to fraud out here please remove this off my report no validation letter I asked fir two months ago.