davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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. (NJ)

I've have been trying to get my credit report from transunion and annual credit report. I have been unsuccessful, ive spoke with agents of transunion still been unsuccessful. I verify my identity with 2 transunion agents.

Every time i mention something it seems like transunion make it more difficult for me to acess my credit report. Currently my account have been block again just after unblocking my account for me.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (TX)

Friday XXXX XXXX XXXX {$100.00} withdrawal XXXX {$200.00} withdrawal XXXX {$200.00} withdrawal XXXX {$100.00} withdrawal XXXX {$60.00} withdrawal I was at home with my card in my wallet when these transactions took place. I am sure a look at the camera footage from the atm would have shown that if anyone looked. I also received an order from XXXX 's club at my door moments before this occurred. My claim was denied and I do not feel a proper investigation was held. My claim number is XXXX
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (GA)

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 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 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX furnished an account that does not belong to me. When i reached out to get more information about the false report they threatened to sue me if they dont receive the funds to this account. Now I have reason to believe that this account was fraudulent and its impacting my consumer report and credit score.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2023 I mobile deposited {$3800.00} from an IRS tax refund check. On XX/XX/XXXX around XXXX XXXX I received an email that my deposit was being held until XX/XX/XXXX, no explanation. XX/XX/XXXX I woke up to - {$200.00} in my account and my account frozen. Cant use my debit card or add money into my account. Upon calling I was told nothing they could do, check under investigation. I would have to wait till I receive a letter in the mail or until XX/XX/XXXX to make sure the check is paid. Its a government issued check! Called the local branch on XX/XX/XXXX was told my account was being closed due to the fraudulent check. I have the check in my hand from the government and could bring it up there. Nothing they can do until XX/XX/XXXX. Meanwhile I have no access to my funds.
Consumer complaint received 2023-12-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (FL)

The company Debt collector Paramount Recovery SYS reported on my credit on XXXX XXXX XXXX a collection of {$1300.00}. This company never contacted me, never sent me a letter of information stating that I owe any amount of money to tell, how to dispute or even how to pay it. I send a letter to this company and never got a response. So I gently request this collection to be taken out of my credit report
Consumer complaint received 2023-05-21
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Accounts that are in negative standing that are currently listed on my credit report, 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 2024-02-20
Product: Mortgage — USDA 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: Freedom Mortgage Company (WV)

On XX/XX/XXXX we notarized with a notary our USDA Mortgage Recovery Advance Document package. In this package which i can provide a copy showing the dates on the document that state our next payment due date is XX/XX/XXXX in the amount of {$1800.00} and the USDA Mortgage Recovery Advance amount is {$16000.00} which cover our payments from XX/XX/XXXX to XX/XX/XXXX. Principal and interest in the amount of {$15000.00}. Escrow Advance in the amount of {$4900.00}. Suspense Funds credit to interest/and or Advances in the amount of {$3200.00}. The Mortgage company received these notarized documents on XX/XX/XXXX @ XXXXXXXX XXXX. I contacted Freedom Mortgage on XX/XX/XXXX and spoke to XXXX XXXX XXXX number XXXX to see why we are still showing past due and our modification not taking effect. She advised our paperwork was wrong, and I needed to make our XXXX payment even though it clearly states on our paperwork that our next payment us due XX/XX/XXXX. I asked several times for clarification on this only to be advised it was an error on the paperwork and we would have to start this process over again and resign our documents even though this was their error. To date my Mortgage still shows loss mitigation even though we notarized documents and made the XXXX payment of {$1800.00} which according to our paperwork was already covered in our Recovery program. I need help with this. We can not get a straight answer and we have done everything we are supposed to do to get back on track.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian, Re : Letter to Correct All Inaccurate Late Payments to pays on Time on my Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX ) XXXX You have listed that Payment status is 60 days past due and the last reported date as XX/XX/2022 but it states that my last payment was also XX/XX/2022. So how can I be 60 days past due without being inaccurate. Please update to pays on time. The other bureaus have it differently. 
XXXX ) XXXX You listed that my payment status is 60 days past due and that you last reported this on XX/XX/2022 but it also states that my the last payment date as XX/XX/2022 so how is this 60 days late without being inaccurate. The other XXXX bureaus have the payment status as current. Please update to pays on time. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and corrected and marked as pays on time on my report. It is my understanding that you will recheck these items wit the creditor who has posted them. Please correct to pays on time for any information that the credit can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (IL)

Sunrise Credit Services group continues to report to all major credit agencies that I owe a debt of {$230.00}. I do not owe this debt. XXXX XXXX XXXX has cleared this account and stated that I do not owe this debt. I spoke to Sunrise on XX/XX/XXXX and XX/XX/XXXX. They refuse to remove the negative mark on my credit report even though they have received communication from XXXX XXXX XXXX ( on XXXX ) that I do not owe this debt.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

Fair Credit Reporting Act, Section 609 I am requesting information regarding items that is listed on my consumer credit report. I am entitled to see all the source of the information, which is the original contract that contains my signature. If USAA Saving Bank unable to verify the accounts with my signatures, the information should be removed from my consumer credit report. And I am entitled to see all of the original contracts.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY (CA)

I begin banking with amex high yield savings over a month ago and about a week ago i made my first withdrawal, it did not go against any terms of use. I transferred a small amount of money to my XXXX XXXX and the money bounced back immediately freezing my account. I called XXXX they sent me to amex as it was clear the issue was with them, i tried to understand the issue not much insight but they said my account was frozen and closed but get this they said there was NOTHING i can do about it. ok... After I was told that i asked if i could atleast have my money transferred back to my original bank XXXX. They said NO??? ok... so I asked why nothing was said. Amex is criminal.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lockhart, Morris & Montgomery Inc. (TX)

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached doc.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BROKER SOLUTIONS, INC. (GA)

My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries XXXX not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Birthdate XXXX XXXX FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that NEW AMERICAN FUNDING conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that NEW AMERICAN FUNDING will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (VA)

On XX/XX/2023, XXXX XXXX XXXX, VA provided me my " 2023 Tax Relief Approval Letter '' which granted me the following relief for " 100 % of Real Estate Taxes and 100 % of the Solid Waste Fee. '' On XX/XX/2023, I submitted my 2023 Tax Relief Approval letter via email ( XXXX ) to PHH as instructed by the PHH telephone customer service representative. 

On XX/XX/2023, PHH recorded a Tax Refund of {$2600.00} based upon XXXX XXXX XXXX, VA 's 2023 Tax Relief Approval letter. However, they have continued to keep this amount. 

According to " XXXX, '' the PHH representative, after I submitted a copy of the 2023 Tax Relief Approval Letter, PHH states their " Tax Department '' updated their records believing the " taxes were only partially exempted, '' but did not deny my Tax/Escrow relief. PHH states my tax could not be processed without a new " estimated '' or " final tax bill. '' However, the said my request was not denied. 

It should be noted, PHH never communicated with me after I submitted my XX/XX/2023 letter. Additionally, they never communicated a need for a new " estimated '' or " final tax bill '' to either XXXX XXXX XXXX, VA or to me. This seems to be a major lapse in PHH 's operating procedure. 

As it stands, PHH states I will not receive my {$2600.00} tax refund until a escrow analysis has been performed. This should have been done at the first instance. Additionally, PHH should have communicated the need for more information. 

As a result, PHH has been sitting on my tax refund and has continued to collect my full escrow amount depriving me of money that would be due in an interest bearing account as well as affecting my ability to reduce my interest payments. I request my refunds be applied to my principal as soon as possible. Thank you.
Consumer complaint received 2024-03-22
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. (FL)

In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under XXXX usc XXXX. The accounts below have violated my rigthts XXXX XXXX XXXX section XXXX A. XXXX i have the rights to privacy. XXXX XXXX XXXX Section XXXX A section XXXX, It also states a consumer reporting agency canoot furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX ) XXXX Section states ) no consumer reporting agency XXXX make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than XXXX years XXXX u.s.c XXXX XXXX A ) 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 accounw below Inquiries Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
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. (NC)

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 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 I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (WA)

On XX/XX/23, I submitted a consolidation application for an existing parent plus loan. As part of the application, I requested an IDR payment plan since our household is low income and we can not afford the standard payments. On XX/XX/23, the consolidation was processed, however Nelnet informed us that in order for the monthly payment to reflect our stated taxable income ( {$0.00} ), we need to submit a self-certified letter stating we have no taxable income. 

We provided the requested letter on XX/XX/23. Nelnet stated they would respond within 15-20 days, but we never received additional correspondence. We re-uploaded the letter on XX/XX/23, and Nelnet again stated they would respond within 15-20 days. We never received a reply. 

My son-in-law called Nelnet on XX/XX/23 to ask when the payment will be updated to reflect IDR. After waiting on hold for 90 minutes, the representative told him that the letter needs to be signed by both myself and my husband, not just myself. 

We uploaded a new letter on XX/XX/23 signed by both myself and my husband. Nelnet stated they would respond in 15-20 days. We have still not received a response and their stated timeframe has now passed. We are now past due on our payment due to how long Nelnet has taken to update our account. We can not afford the current monthly payments. Nelnet failing to communicate with us in a timely manner is the reason we are currently past due, and if they do not take action soon we will fall further behind through no fault of our own.
Consumer complaint received 2024-01-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC (NV)

On XX/XX/XXXX I financed a vehicle from XXXX. The terms were supposed to be 36 months due to me rebuilding my credit. The original payoff date was XXXX 
XXXX XXXX XXXX, I called the finance company for assistance with a payment I was not able to make on time. The finance company offered to charge me a fee to put the payment at the end of the loan. The representative confirmed the changes and informed me that my new payoff date would be XX/XX/XXXX as two payments were pushed back to bring the account current. 
Fast forward to last week, I called the finance company to make a payment and to get the updated payoff information. This representative informed me that all of the 29 payments I've made to the finance company for three years totally {$15000.00}, only {$1000.00} was applied to the loan. He said that my payoff balance was now {$17000.00}. He stated that due to interest on my loan, I had a new balance. When I tried to explain to the representative that didn't make any sense. He simply informed me to check my contract. I checked the documents that I have and the total amount financed was {$17000.00}. When I asked the representative for a copy of my contract he said that their systems were down and he was unable to confirm the status. 
Certified mail was sent by my attorney but the car was repossessed today XXXX
Consumer complaint received 2024-03-22
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. (FL)

I submitted a request to both Experian and XXXX advising that XXXX XXXX  or XXXX XXXX  XXXX NA accounts were fraudulently opened ; I have tried going to the credit bureaus and have been unsuccessful as they have been saying it has been " verified as accurate. '' Since then, I've reported the account to the FTC. FTC report # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS 4ld PURSUANT TO 18 USC 8, L OWE NO DEBT ; THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814
Consumer complaint received 2023-12-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (MI)

I paid off my loan with thie company back in XXXX I filed a complaint with your office in XXXX for collection activity on my bank account. This company id still trying to take money out of my checking account and continues to harrass me with collection calls daily multiple times a day. My previous compliant number is XXXX. I am tired this has been going on since XXXX of 2023. The lease number is XXXX.