davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
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. (TN)

In accordance with the Fair Credit Reporting acXXXX 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 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
Consumer complaint received 2023-06-15
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. (NC)

i have a total of 24 inquiries i did not authorized in short it was not me! And i have 2 accounts that i want it deleted immediately becuase i have no financial obligation! i when i contact the credit bureau i was ask to submit a report here and add the needed letters and documents so place since i have taken my time to do this can you also take a time to review and submit this.
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION (GA)

According to the Homeowners Protection Act of 1998, automatic PMI removal ( not borrower-initiated ) happens at 78 % of the original loan. 

I didn't pursue the borrower removal ( at a cost to me ) because I was so close to the automatic termination when I last inquired about my denial. 

However, I checked my mortgage statement today, and it's still there, even though it it's now at 75.3 % of the original loan value. 

I called Truist, and they said to contact my investor XXXX XXXX XXXX XXXX. I called XXXX XXXX, and they said to contact my servicer. BTW, you can only write letters to Truist 's PMI removal department, not speak to anyone. 

It doesn't seem like this is working the way it's supposed to. Am I misunderstanding something about what 'automatic termination ' means? From what I read, it should happen without my action.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (AZ)

I was unable to login to my checking with the company Chime. I XXXX customer service and I was scammed from the person pretending to be Chime. He helped me get into my account and transferred my money to an email address and right there I thought things were suspicious, so I said this doesnt seem right Im going to hang up. He told if I do he will suspend my account, so I continued and he instructed me to wait for a form but the form never came and he said must be technical difficulties. 

I told this to Chime and they investigated and will not return my money of {$480.00}.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Public Record - XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (NM)

I am in the market to find a female Yorkie or schnauzer puppy. I found someone who stated they had a female Yorkie. After messaging back and forth, we came to an agreement of {$200.00} for the puppy to be put on hold and the other {$100.00} upon delivery. I asked for my money back several times and they denied saying it had been used for name change on the puppys documents. I dont have proof of those documents. They proceeded to deny me a refund and became very rude.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of XXXX.
Consumer complaint received 2024-03-14
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. (KS)

I called to find out what XXXX XXXX sent to the credit Bureau to verify this fraudulent account on my report. I was told they verified a balance??? No Credit Bureau has any consent to share my info with anyone at any time. They are also showing financial amounts and figures, showing income, account numbers. Nor did they provide any forms, contracts or agreements signed by XXXX consenting to the use of personal information. This is covered under XXXX XXXXXXXX XXXX Identity Theft or Identity Fraud is to possess, transfer or to use any personal identifying information, belonging to or issued to another person, with the intent to defraud that person, in order to receive any benefit, which is exactly what EXPERIAN, XXXX XXXX and XXXX are doing. PERIOD As used in this section Personal Identifying information is : 1. Name 2. Birth Date 3. Address 4. Telephone I skipped 5-11 I felt they were NA 12. Electronic signatures 13. any financial numbers!!
Consumer complaint received 2023-02-25
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00} 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 2018-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Here are the dates when I mailed out letters asking them to fix the errors XX/XX/18 and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven XXXX XXXX COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite XXXX XXXX compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Consumer complaint received 2023-10-24
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. (TX)

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

I'm using my right to object to these erroneous and non-compliant things as a result. You will only demonstrate your lack of concern for my rights as a customer if you ignore my requests. Reporting information that hasn't been verified as ethical and compliant with recognized reporting standards isn't fair. Once more, I contest these assertions and want documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : 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 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 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 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2023-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC (CO)

I am going through a difficult divorce and currently residing in the home. There was XXXX XXXX and I have a XXXX XXXX against my spouse. He has completely stopped paying the mortgage for over a year and I was in a covid forbearance prior to roundpoint taking over our loan. I was under the impression that I was still covered. Then I found that they'd not only took me off the program but were piling on pass due fees and I was months behind. Then they told me they'd work on a loan modification. I was told it was done and I could pay it. I was ready to begin doing so. Then they back peddled and said never mind the loan is still being processed for a modification. All the while I am told to wait and not pay anything. My account is locked up so I couldn't even if they said it was all well. They won't fix my account so I can pay it. Then I receive an attorney letter stating that my house is in foreclosure!
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have always had extreme difficulty accessing my transunion account to freeze and unfreeze credit and to obtain free credit reports. In most cases it takes over 1 hour to be able to get these tasks done and requires assistance from technical support. On my last attempt, I was advised to cancel my existing account and create a new account. So far I have not been able to log in to the new account to determine status of my credit freeze and be able to view a credit report.

There are two other credit reporting agencies that I never have any problems with.

What is it about transunion that is so broken? I am entrusting them to safely guard my confidential personal information and it appears their system is broken and has been for some time. How can this be allowed to continue?
Consumer complaint received 2023-04-19
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NJ)

I placed order XXXX with XXXX on XX/XX/2023 for XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was provided with tracking number XXXX, and a package was delivered on XX/XX/2023. The package, as confirmed by XXXX, weighed XXXX pounds and was the incorrect shape. Looking on XXXX own website, XXXX weighs XXXX pounds. When I opened the package, I found that XXXX sent me a dual monitor mount instead of what I ordered. I contacted XXXX via their chat feature on their website and was told to bring the item into the store. I told the person I was chatting with that I did not want to have to argue with the store when I got there, and that the store would not understand the scenario. I was assured that would not happen. On XX/XX/2023 I drove over an hour away to a XXXX store at XXXX XXXX XXXX XXXX, XXXX, NY XXXX, paying numerous expensive tolls to get there, and was immediately told that the store was not aware of the scenario and they could not help me. They refused to take their item, and refused to give me a refund. 

At this point I involved Chase and was told to file a dispute. I did so, and Chase on XX/XX/2023 decided that XXXX was just in their actions. They claimed that XXXX proved they delivered an item. I called Chase to follow up, and was told about a whole new process I must go through to have them look at it again that involves sending in a letter with numerous pieces of evidence.
Consumer complaint received 2023-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/202XXXX XXXX XXXX EST, I scheduled a payment for a one time charge to Resurgent Capital Services L.P . The original creditor was XXXX XXXX XXXX XXXXXXXX. The amount that was due was {$880.00}. The customer service representative that successfully helped me confirm the payment was very informative & notified me that the payment processing would likely take up to 3 days. Today is XX/XX/2023, XXXX XXXX, so most federal institutions are most likely not taking deposits, which means the payment will be delayed for more than 3 days.
Consumer complaint received 2023-10-24
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. (MN)

I have attempted to file a dispute via TransUnion 's website and mobile website, and not only does the website not load but TU 's website said it was not able to process my request online, not giving me the reason why it was not able to process my request online. I was instructed that the only options available to me were to file a dispute by calling TU or submitting one by mail. TU is operating its website, with its inability to process my dispute request online and that it is consistently does not function to allow quick, easy and convenient access to my credit file, is operating in an abusive and deceptive manner. TU is knowingly, intentionally and deliberately not providing services and functionality to me to allow me to dispute inaccurate information on my credit report. Each time I call to speak to a live agent to assist me, there is, at minimum, five minutes of automated system prompts and up-selling of TU products, including its fee-based credit monitoring service and its text message-based options to communicate with TU. TU also employs online foreign, offshore and customer service representatives not based in the United States. As a result of TU 's customer service representatives, consumers are forced to speak to agents whose XXXX is often incomprehensible, making it virtually impossible to conduct business related to my TU consumer credit file. When speaking to representatives, TU 's offshore, foreign customer service representatives are rude, abusive and will often disconnect the call at their whim without warning, because they are frustrated. When asking to speak to a United States-based representative, I have been instructed the representative will complete a " call back '' form and that a US-based representative will return my call within 48 hours. Once more, TU is using abusive and unfair practices to deny me access to my consumer credit report -- and to correct errors on it that have affected my credit score and credit worthiness. My credit dispute, that I am demanding TU  investigate, is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$7100.00}. This account now has a XXXXXXXX  balance and is paid in full. I have attached copies of my payment receipts that show I now paid this account in full. TU must update my credit report to reflect this, and TU must also update my TU Vantage credit score to reflect the decrease in credit utilization.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had VENTURE ONE Capital One credit card, which was closed due to the late payments in XXXX. I paid the balance and late payment fee. 

However, Capital One confiscated my XXXX Rewards XXXX in that credit card, which is my property. Capital One has no right on my property. 

I require Capital One to return my property, XXXX Rewards XXXX.
Consumer complaint received 2023-04-19
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: Bread Financial Holdings, Inc. (MO)

Approximately 4 weeks ago I realized some erroneous / derogatory information was being reflected on my credit reports. I first called the companies to try to resolve and make sure no further charges occurred as I believe that I am a victim of identity theft. I then submitted disputes with XXXX, XXXX, and XXXX. I could really use some help trying to sort this out and want accuracy. This is negatively affecting me and my credit. The accounts do not belong to me and I never opened or applied for credit with these companies. Was it done in-store or online? Is there a photo id or signature verification? What City and State did this fraud happen in? Is there PROOF that these accounts/ debts belong to me? 
I had a primary residence for 15years ( XXXX to XXXX ) ; then lived at a friend 's house for 1yr 7mo ; and have been at my current address since XXXX ( 4yrs 5 mo ). This can be substantiated with change of address status thru the USPS as well as filed tax returns. I never benefited or received any merchandise, products, or items including lines of credit, loans, or finances since I did not shop or order from these companies. 
The companies falsely reporting against me are : XXXX XXXX XXXX Comenity Capital BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX