davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
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. (PA)

Dear Transunion, On XX/XX/XXXX I submitted a request for investigation under FCRA 611 ( a ) to Transunion regarding the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Transunion has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Transunion delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. I am requesting that Transunion provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Transunion. Please note that I intend to pursue legal action if this matter is not resolved. I would like to remind you of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Transunion will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. Best regards, XXXX XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (MS)

I hereby write this email with a potent heap of frustration and an unwavering demand for corrective action pertaining to a gross violation involving VW Credit on my credit report. 

With the utmost respect to your esteemed establishment, it is worth stating right off the bat that your lack of due diligence in cross-checking the reported data is nothing short of alarming. The mere inclusion of VW credit in my report not only goes against my rights as a consumer, but is in clear violation of 15 USC 1681. Let 's not try to sugar coat this mess as it is glaringly obvious - VW credit is a XXXX scam, a deplorable scheme dismissed by virtuous people and manned by a bunch of fraudulent XXXX 

The facts are straightforward. Last year, I turned in my vehicle and walked away from my contentious relationship with VW. Wrapped up my lease and paid a joyously beautiful amount of exactly nothing, {$0.00}, as my outstanding balance. The petered out spirit of investigation on your part, as well as the audacity of VW allowing this erroneous reporting, is a clear violation of my rights. They've had the gall to persistently misreport to the credit bureau, despite flaunting that lovely {$0.00} balance statement right in my face. 

To add fuel to already blazing fire - I'm quite sure you have knowledge of this - in 2019 a class-action lawsuit was proposed against the dual evil entities of XXXX XXXX XXXX XXXX XXXX and the notorious VW Credit , Inc . The allegation was a hard-hitting one - they were violating the Fair Credit Reporting Act ( FCRA ) by shamelessly exhibiting their ineptitude in conducting proper investigations and demonstrating reckless abandon when recording disputed credit account information. 

It is sheer lunacy that we're still ruminating over this issue. VW is continuing to blatantly avoid investigating the items they're flippantly reporting to individuals ' personal credit. This reckless behavior is beyond scandalous, it's a crime and simultaneously a prime example of a company laughing at the tenets that govern it. 

I humbly demand although my patience grows incredibly thin that you carry out a thorough and reputable examination of this unjustifiable entry on my credit report. Your swift rectification of this grievous situation would be much appreciated. 

I look forward to seeing less of your procedural inefficiency and more of a restoration of your supposed reputation.
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (OH)

XXXX XXXX $ XXXX XXXX $ XXXX $ XXXX $ I hired a company to replace flooring while I was out of town. I have used this company before. They were sending me updates of the materials purchased and installation progress I have the materials, but the flooring installation was not completed. I paid through XXXX XXXX through chase bank as I was not in town to pay them directly. Upon return home the company blocked me and I can not reach them. I disputed the transaction with Chase Bank. I disputed under services not provided. I received a letter from chase saying that I authorized the transactions. I did authorize the transaction under the understanding that work had been completed. But I filed under services not provided. Chase did not properly investigate the dispute to as a loyal customer as they claim they always do.
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (KY)

Domestic wire transfer was requested on XX/XX/year> and verification was done on the same day. Even after XXXX business days, wire transfer was not completed and discover bank kept saying its stuck with XXXX XXXX and they cant do anything about it. this looks to be scam/ fraud with discover bank since they don't provide any information about intermediate bank and as a consumer and account holder how I can trust that money was transferred to XXXX XXXX
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (OK)

I disputed two charges last month from a merchant that I cancelled and revoke authorization from charging me back in XX/XX/2023. 

You disputed the charges in XXXX and credited me the money back. I was told you would block them from charging me again since I revoke authorization from them to charge my account. 

I check my account today XX/XX/XXXX, and yet again there is another {$10.00} charge. The merchant info is below : XXXXXXXX XXXX- {$10.00}
Consumer complaint received 2024-01-08
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. (NJ)

I, XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Consumer complaint received 2024-05-25
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: JPMORGAN CHASE & CO. (NV)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-01-08
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. (PA)

Dear XXXX, Transunion, XXXX I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong. PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : PLEASE UPDATE MY NAME TO : XXXX XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/ MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. PLEASE REMOVE ANY OTHER PERSONAL INFORMATION YOU ARE CURRENTLY REPORTING AS THEY ARE NOT ACCURATE. PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. Please send me a new report when you are completed so I may continue to verify its accuracy. Best Regards, XXXX XXXX
Consumer complaint received 2024-05-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Onity Group Inc. (FL)

On XX/XX/2024, I wrote PHH Financial Services in there dashboard asking for written permission to place my home mortgage in an owned LLC. 
On XX/XX/2024, PHH wrote back to follow up with them after XX/XX/2024. 
On XX/XX/2024, I noticed no written response was sent and called customer service. 
On XX/XX/2024, PHH sent an email stating to send a Letter of Intent with my signature in order to process the request. 
On XX/XX/2024, I sent two Priority Mail letters to PHH. One with the Escrow Request to pay my own taxes and insurance. The other was the Letter of Intent to place home mortgage in an owned LLC. 
On XX/XX/2024, PHH acknowledged that they received the Escrow Request form on XX/XX/2024. 
On XX/XX/2024, PHH stated they can not initiate transfer of the account until they receive the letter of intent which was sent on the same day as the Escrow Request form. 
On XX/XX/2024, I went to the post office to verified with the tracking number that they delivered the Letter of Intent on XX/XX/2024 to PHH to : PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
On XX/XX/2024, I wrote PHH of this verification from the post office and address. 
On XX/XX/2024, PHH replied that it will take 3-10 business days and may extend to 30 days to research and locate the Letter of Intent. 

***PHH is refusing by using delay tactics to provide me with written permission to place the mortgage into an owned LLC . As of today, I still have not receive the Escrow Request Removal form either.
Consumer complaint received 2024-01-08
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX ( XXXX XXXX ) 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. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX 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. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

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 XXXX XXXX XXXX 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. 
XXXX BANK XXXX {$760.00} XXXX ( Original Creditor : XXXX BLINK FITNESS ) XXXX {$150.00} SYNCB Inquiry P XXXX XXXX C U Inquiry SPECIAL FINANCING COMP Inquiry
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

XX/XX/XXXX {$30.00} dollar payment was taken from a User that goes by the name XXXX and it was drawn from my original Bank Account XXXX and it went through a money app called Cash App. 
XX/XX/XXXX was the 2nd transaction of {$50.00}. It went through the same bank and then went to a money app called cash app that way it can be processed out of the Bamk or an ATM. Also by the same person. 
I have NO CONNECTION with this person what so ever at all. I have NEVER given this person ANY MONEY, this person has NEVER asked, requested, money from me in person or on Cash App.
Consumer complaint received 2024-01-08
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. (CA)

In 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. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My identity has been stolen, and as a result, accounts have been opened in my name. I want to report this to clear my name. I kindly request the CFPB 's assistance in investigating and resolving the inaccuracies in my report resulting from identity theft. 
A copy of FTC report is attach to support my claim.
Consumer complaint received 2023-08-31
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. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2024-01-08
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)

According to the fair credit reporting act XXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section602 A states I have the right to privacy and also states a consumer reporting agency can not furnish an account without my written instruction. It is also my understanding under the FCRA 15 USC sec 1681i every single even each and all the unproven, non-compliant, incomplete, untrue, incorrect and or unverified aspect of any alleged derogatory account must be promptly negated in its entirely or the alleged account are to be completely DELETED. This derogatory account allegation is either UNTRUE, UNVERIFIED, INCORRECT, IMCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY OR OTHERWISE NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and must be removed immediately.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY (NY)

I have a mortgage with TD Bank for many years. In XX/XX/, I opened checking and savings account with them. The TD Bank decided not to close my banking accounts. Even though my loan was not in any form of default, TD Bank terminated my online access for me to view my loan status because it was linked to banking accounts. I have no problem they do not want my banking relationships, but I need to gain access to online to see if my payments were made, my escrow balance, etc. 

TD Bank is committing a predatory lending and in violation of Fair Housing. They want to me to wait for paper ( uncertified mail ) statements every single month and to call their loan department for payments. This is unduly burdensome and if I miss any payments due to postal service 's missed delivery, I would be in default and they can foreclose on me.
Consumer complaint received 2024-05-24
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (GA)

Company : Professional Debt Mediation , Inc . 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, there, I would like to report a recent encounter with the company mentioned above. 

While following up on the next steps regarding dispute process after receiving an alleged debt from the apartment I recently vacated, the representative from company was very rude, combative, and used communication tactics to suggest that the dispute process could hurt my credit score.

I asked specifically the follow up actions for a dispute. The agent replied with that they will mark the account as dispute and it will hurt my credit score. I stated again that the answers I am seeking for are the following questions : 1 ) how do we start a dispute process 2 ) what is the timeline 3 ) who's reviewing agency Instead of giving me direct answers, the agent dodged them again by questioning our foundation/intent of dispute. I do not believe that was the intent of the call. I reinstated the answering we were seeking and asked for their advice on the dispute process. The agent became combative. After informing me that we would need to email back to their company, they hung up on me. I did not receive answers to the other two questions.

I do not believe this is the appropriate attitude, method or process to treat a customer who is actively looking for ways to resolve the issue. I would like to inform the bureau about this company and their standard procedure, which is detrimental to customer experience. 

We understand the debt collecting process is stressful for both the acting agent and the consumer. The expectation would be for the service representative to have the appropriate knowledge, and communication to inform the consumer in the process, with no judgement or unfair treatment. Most consumers do not have enough information regarding this matter, and consumer should receive proper guidance on options they can pursuit without being coerced into a decision on the spot. 

Please feel free to follow up if you have any additional questions. Thank you.