davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

Deposited cash into PNC ATM. ATM ate my {$700.00} without providing receipt or depositing into account. Immediately went inside to the bank and reported. Since that received voicemail and email and to my reply use only silence.
Consumer complaint received 2023-04-11
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. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$28000.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$340.00}
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: First Technology Federal Credit Union (CA)

I received an email from First Tech Federal Credit Union ( XX/XX/2022 ) that I opened a banking account with them, but I never did. I recently received information in the mail ( XX/XX/2022 ) about opening an account and financing my loans and that they have deposited {$5.00} in my account. I have never contacted them about anything regarding opening an account. I have tried calling them, but they still did not close my account, stating that I would have to call during regular hours.
Consumer complaint received 2023-07-16
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: Experian Information Solutions Inc. (WA)

In accordance with the fair credit Reporting act XXXX  XXXX XXXX  account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (NV)

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. They must follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (IL)

Debt collection notices were placed on my credit report on XX/XX/18, XX/XX/18 and XX/XX/18 by Diversified Consultants for an unpaid balance to XXXX for {$1100.00}. 

This debt is not mine and a likely result of identify theft. I had requested Diversified Consultants to verify this debt via certified mail on XX/XX/18 ( Tracking # XXXX, delivered on XX/XX/18 ) but they have not responded to date, continue to harass me via phone and entered a new collection notice on my credit report on XX/XX/18. I have opened investigations with all CRAs that list this collection notice - they are investigating the debt/account info. 

Diversified Consultants is in breach of FDCPA - they have not verified this debt despite receiving a written request from me, continue to harass me via phone and continue to report/issue new notices to the CRAs.

My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2024-04-10
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)

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 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.

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 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.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/XXXX, Checking, Savings & Credit Card were opened from Bank of America online in my name. Then a cash advance was taken out on the credit card in the amount of {$1400.00} & mailed to my address. B of A states the cash advance was mailed to me because they ( B of A ) detected suspicious activity and closed the checking and savings account so the check/cash advance needed to be mailed since there was no where to deposit the money. I received the check and since I knew I did not open any accounts from B of A I kept the check in my stack of documents I began collecting from B of A and wrote the words " VOID '' across the check. 
I began working with XXXX XXXX XXXX ( XXXX ) and together we called B of A multiple times on different days and at different times and were continually transferred, hung up on, sent to the wrong departments and wasted HOURS of my life that I will never be able to get back. No one could help us so XXXX suggested that I go into a local branch of B of A that they should be able to help me. The only thing that was different was that the Relationship Manager that assisted me ( XX/XX/XXXX ) called and was told that I needed to deposit the cash advance check of {$1400.00} back into the credit card to get anything done. They would not accept my check since the word " VOID '' was written across the check. So B of A had to create another {$1400.00} cash advance check and mail back to me again. I received the check in the mail, went back to the local bank ( XX/XX/XXXX ) and had the same Relationship Mgr. deposit the {$1400.00} check on the credit card account. The Relationship Mgr. called & spoke with someone in the collections department and they stated that the late fees and interest charges along with derogatory marks on my credit should be corrected and this should take place in 2 weeks and I will receive a letter in the mail stating this. Instead of any of this happening I received a letter stating that B of A is " unable to complete your request '' and provided a phone number to call to receive an explanation. I called the number ( XX/XX/XXXX ) and no one can help me and I have derogatory marks on my credit and the fees and interest charges continue to add up. Now B of A has sent my balance due ( XXXX ) to a debt collector ( XX/XX/XXXX ) and they are trying to charge off my debt. 
I have filed a police report, report the information to the FTC and am in the process of also filing a complaint to the XXXX XXXX XXXX.
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (VA)

I have previously attempted to discontinue Selene Finance from accruing for escrow. I have had the same mortgage for 18.5 years and never refinanced. Originally serviced by XXXX  XXXX XXXX- is now with Selene Finance - Transferred XX/XX/XXXX. I was told earlier this year that to be eligible to been with them for at least 12 months and and a positive or XXXX balance owed. Well, it has now been 14 months and I have a positive balance as of today {$2000.00} and insurance paid through XXXX and taxes paid through next tax due date in XXXX XXXX, VA which is XX/XX/XXXX. Worst all they are collecting more than TWICE what is needed to pay my escrow accounts! THAT IS RIGHT SELENE FINANCE IS COLLECT DOUBLE THE NECESSARY AMOUNT. Loan Number : XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I pulled a copy of my credit report and noticed XXXX transactions that were not originated by me, XXXX XXXX. 
Pusuant to multiple laws within USC 1681,6802 and USC 1681c-2. 
The following accounts need to be immediately deleted. 
These entrants constitute identity theft and need to removed from TransUnion and XXXX. 

XXXX XXXX XXXX- XXXX This company went bankrupt, and I am unable to contact them. Please notify the credit bureaus that these are identity theft and need to be immediately removed. Thank you.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-10
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. (VA)

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights, listed below. 

Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # 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. Witch I never in no manner provided to the fore mentioned parties listed above.
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (FL)

My loan was sold to this company by XXXX. XXXX sent them over the money for the payment for this month and roundpoint will not apply it. I called roundpoint and they confirmed that they received the money and when asked why they haven't applied it, i was told that " they are still waiting on paperwork from XXXX  '' Why do they need paperwork from XXXX  to apply my payment? Why would a company buy a loan from another 2 months ago and now they have possession of to loan without " paperwork ''? It sounds fake to me
Consumer complaint received 2018-08-12
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: Experian Information Solutions Inc. (NY)

Im a resident here in america, I dont want donald trump to kick me out because of bad credit. 
im trying to do the right thing. I dont do bad. someone used my credit or it was a mistake fromthe credit people. I never did this to me. Please help and delete from my credit. XXXX bless you.I never applied for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and inquiries attached. I had no inquireis dont apply for anythingloans Company or Organization : XXXX XXXX XXXX inquiries not mines XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX  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 2024-04-10
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. (GA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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

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

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2018-08-12
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 — Problem with personal statement of dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I am asked that Carrington Mortgage re-consider they decision. As I stated, I was unaware that my payment increased to {$1200.00}, so I sent in the regular payment of {$1100.00}. Thereafter, I discovered that my XXXX payment was short and since received a late payment mark on my credit report. At this time, I contact Carrington Mortgage escrow department and they agreed that the payment might have change in error. They review my account and performed an escrow analysis. They reduced my payment as close to the original payment the following month. ( See attached escrow Analysis )
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Im filing a complaint on XXXX XXXX. in XXXX when I purchased a vehicle I pacifically told them in XXXX that I would like to return it for something cheaper they would not return the vehicle at the dealership place so I contacted XXXX XXXX and told them that they would not take the vehicle. They told me I had an option in the 30 day mark so Ive tried multiple places XXXX XXXX XXXX XXXX XXXX all of them said that I could not trade it in because theyve added more money on the car than what it was worth. They did not give me a XXXX when purchasing the vehicle. I have the XXXX now its been in the auction 3 times been re-Poed 3 times before me. They did not tell you all that the truck was only worth XXXX. I didnt know the numbers was flipped until I looked on the flash drive. The vehicle was XXXX after it finance was XXXX and somehow it went through XXXX XXXX to XXXX that doesnt make any sense. Im Wanting this disputed it. If you look on my credit report, they charged it off and closed that account more than XXXX times and then reopened it on XXXX XXXX.
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked at my report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX All companies violation of many laws with the account, Charged off/ written off accounts can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! XXXX is in violation of FCRA 15 USC Code 1681e B. As well as 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FUR-NISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.