davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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. (MS)

Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any consent to report anything on my consumer report, no consent is Identity Theft Under 15 U.S Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report, these accounts are violation, any credit transactions are supposed to be excluded from a consumer credit report if a social security card was used in the transaction.

15 USC 1681S-2 ( A ) ( 1 ) ( E ) ( ii ) Rehabilitation of private education loans, these loans below have completed the Rehabilitation process XXXX {$50000.00} Department of Education {$16000.00} Department of Education {$11000.00} Department of Education {$7500.00} Department of Education {$6300.00} Department of Education {$5700.00} Department of Education {$3400.00} Department of Education {$3300.00} Department of Education {$2500.00} Department of Education {$2500.00}
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (LA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (NV)

I do not owe this company any money as I have never contracted with them. I would like this company to cease and desist any communication with me through any and all mediums. I am not requesting any validation of debt and demand this company to delete the account from the consumer report.
Consumer complaint received 2024-01-08
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: SYNCHRONY FINANCIAL (TX)

There is a collection account on my credit report from XXXX XXXX XXXX which lists Synchrony Bank as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number SYNCH-XXXX. It is also important to note that the account number on my credit report is not an accurate account number further violating FCRA regulations. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number, then please contact the collection agency and XXXX, and have them remove this account due to inaccurate reporting. If this information is not removed within 30 days, Synchrony bank has the possibility of being taken to small claims court per violation of the FCRA regulations.
Consumer complaint received 2024-01-08
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: DISCOVER BANK (TX)

DISCOVER BANK please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. The account is due to be removed from my credit report in XXXX. You are also furnishing different information between the XXXX bureaus such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable as of XXXX. Why do you have a balance reporting in XXXX when this account is closed and past the statute of limitations? You failed to send debt validation as well as the 1099c for this supposed charged off account. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. I'm quite sure your CEO OR VP wouldn't want to be in court for this matter. Any US Code in the FCRA that any corporation violates, the consumer is entitled to actual damages and monetary compensation. Please see the attached docs and remove the aforementioned account from my credit report.
Consumer complaint received 2024-01-08
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: Caliber Home Loans, Inc. (MI)

Hello, I have been trying to resolve with Caliber Home Loans ( loan has been transferred to XXXXXXXX XXXX XXXXXXXX as of XX/XX/XXXX ) disputed payments since the end of XXXX without success. 

I have written ( certified and email ) as well as called and talked to several representatives who were unable to provide information about records of payments made. I was unable to speak with the bankruptcy department since my bankruptcy has been discharged ( XX/XX/XXXX ). 

I have verification from my bank that all payments from XX/XX/XXXX - XXXX XXXX XXXXXXXX, have been satisfied, and I can provide proof upon request. Some files attached, can require more documentation if needed. 

My credit has taken a huge hit and I'm unable to refinance my home due this ongoing issue. Please help me resolve so I can move on. 

Thanks very much! 

XXXX XXXX
Consumer complaint received 2024-01-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC (MD)

At the end of my lease with VCFS ( Volvo financing company ), the company assessed additional charges for excessive wear on XXXX tire. 

I reached out to the company over the phone and in writing that all servicing of the vehicle was done at Volvo dealerships ( and the lease term was within the Volvo bumper to bumper warranty term ) and there was never any problem around excessive wear or other contributory factors ( such as issues with the breaks ) were ever identified.

The response was the VCFS was a finance company and this was an issue for Volvo. I reached out to " Volvo '' as well but there was no response. The damage assessed was pretty substantial ( almost {$600.00} ). 

While this matter was still being contested, Volvo reported an uncollected debt on my credit report around the same time as I was looking to buy a house. This greatly limited the mortgage options that were available to me resulting more than {$10000.00} in excess costs.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX made a hard inquiry on my credit today without permission. 

XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-04-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: CITIBANK, N.A. (CA)

I received 4 letters from my Citibank with the same writing and reference number ( XXXX ) regarding my 4 accounts there, and it says based on our policy we reserve the right to close your accounts at any time and they gave me till XXXX to move my money before they close my accounts. 
Two of my accounts are 12 month CD which if I close them have to pay penalties for that reason I called Citibank to let them know that they want to close my account I should not get charged since is not my choice, but they are insisting to charge me for early withdraw. 
To me is a kind of fraud to keep the customer money for several month and for no reason force them to close it and charge them too. 
today I spoke to their agent and his supervisor both did not give me their full name just the first name XXXX and XXXX and the number I called XXXX my branch address Citibank XXXX XXXX XXXX XXXX, ca XXXX
Consumer complaint received 2023-09-16
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: EQUIFAX, INC. (NE)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-01-08
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: Shellpoint Partners, LLC (ID)

In XX/XX/XXXX, I knew that we were going to have trouble making payments in connection with the COVID19 Pandemic so I called to see what our options would be. The representative that I spoke with said that there were no options that she could discuss until we were actually behind on payments. I argued that I wanted to know what options were going to be available before we were late but she said she didn't even have access to that screen and couldn't transfer me to the right department until we had missed XXXX payments. Since that didn't apply to XXXX  ( we were still current ) I hung up XXXX. 

On our XX/XX/XXXX mortgage statement, the bottom stated that we may be eligible for COVID19 Assistance and to call to see if it was an option. I called the number listed around this time, and again I was told by the representative that nothing could be started until we had missed XXXX payments. At that time, we had made our XXXX payment. 

XXXX  in the XXXX, I saw an article from the CFPB that COVID19 forbearance was still an option and that I didn't need to wait until we were delinquent to explore those. I started the process on the mortgage company 's website and it looked like it was working- I was able to start the application for COVID19 assistance and enter the details of our temporary hardship but then the website started erroring out. I applied instead for other assistance options around XX/XX/XXXX via the website. I was assigned a case XXXX, XXXX XXXX I emailed with him on XX/XX/XXXX stating that I believed we qualified for the COVID19 forbearance. He told me via email that the COVID forbearance was retired on XX/XX/XXXX. He instead put in our application for standard income reduction forbearance. We were granted a XXXX forbearance starting XX/XX/XXXX. 

I researched extensively and couldn't find any XXXX confirmation that the XXXX assistance was discontinued. Per the CFPB website, it shows it's still an option and only FHA had discontinued the forbearance options. I also think it's highly suspect that it was " retired '' right before I applied for it. The COVID19 pandemic is still definitely happening ( cases are as high as ever ) and still impacting our income. 

We want to keep our home and have never been late or behind before. We have every intention of paying this back in a timely manner, but we do need assistance to get through this XXXX  time and believe we are well qualified for this COVID19 assistance.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DOLLAR MUTUAL BANCORP (PA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

15 U.S.C. 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 2024-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OLD NATIONAL BANCORP (IN)

On XX/XX/23 {$220.00} was taken from my account and paid to XXXX XXXX XXXX XXXX. I contacted the vendor who would only verify that the item ( s ) were not shipped to my address and that the email address connected to the purchase was not mine. Then, I contacted my bank which claimed it was not fraudulent. I called the bank again and requested more information, they stated I would receive it in about 7 days. It never came.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (CA)

To whom it may concern, After recently obtaining my credit report, I have reason to believe that there are inaccuracies being furnished on my credit report. Congress has found that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

According to 15 USC 1681e ( b ) Compliance procedures accuracy of report ; ( b ) Accuracy of report 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.

Reasonable procedures have not been followed by the credit reporting agencies ( XXXX, TransUnion, and XXXX ) and any third party affiliates ( XXXX XXXX XXXX XXXX ) because there are inaccurate late payments being furnished on my credit report.

This is backed by 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusion.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. If a payment or a late payment is a transaction, it has no business being furnished on my credit report because congress does NOT allow it, regardless of any company policy. A Transaction includes cash withdrawals or deposits, checks, online payments, debit card charges, wire transfers and loan payments .This will also include any transaction balances being furnished on my report.

Also, under 15 USC 1666b- Timing of payments ; ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

To ensure that maximum accuracy is maintained on my consumer report, the reporting inaccuracies shall be removed from my consumer report immediately.
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-08-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (SC)

Truist repeatedly mails me letters falsely telling me my mortgage payment is late and threatening to report me to credit bureaus. I have asked them to stop several times and they refuse to. It should be noted that my mortgage was originally entered into with BB & T, not Truist, so I never had a choice when BB & T merged with SunTrust to form this new bank. But BB & T never sent me these threatening letters. Only Truist has done this. 

I have never made a payment outside the grace period, so Truist has no legal basis to report me and is therefore making baseless threats and false statements. 

I just paid my mortgage on Friday, XX/XX/. I thought that by making a payment a little earlier ( although I have always paid within the grace period and I have every right to use every single day of that grace period ) that Truist would stop harassing me. Instead, Truist has emailed me three times this morning ( so far ) to falsely state that my mortgage payment hasnt been received. 

This is unnecessary harassment. Clearly, Truist is trying to annoy me to force me to make my payment on the first of each month even though I have a grace period every single month per the original note. Truist is using this pressure tactic and sending false, unwanted emails in an attempt to make me forego my rights under the note. I am sick and tired of the treatment I receive from Truist and would refinance with someone else if the mortgage rates werent so high right now.
Consumer complaint received 2023-02-22
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-18
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. (OH)

I never authorized this company to provide credit. Please remove from my trade line or provide me proof I signed and authorized these accounts to be opened.,, XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX Reported XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Reported : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Reported : XXXX. XXXX, XXXX
Consumer complaint received 2024-04-18
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX