davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
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)

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 , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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: Shellpoint Partners, LLC (IL)

I am going through a very ugly divorce, my estranged husband joined a cult ( XXXX XXXX XXXX ). He filed a bogus lawsuit against XXXX, Newrez, the VA, etc... .I took over making the mortgage payments in XXXX when I discovered that he was not making the payments. I reached out to Newrez and was working with their legal team to help me protect myself and the mortgage. I was advised to place a security pin on the account so that he could not call in under me when I filed for divorce in XXXX. In XXXX the XXXX Police Department XXXX team removed XXXX from the house when an order of Protection was served against him. I have made every payment on time for the past few years since I took over the payments. I schedule my payments in advance due to my extensive travel schedule. I scheduled my XX/XX/XXXX payment in advance as I usually do, on XX/XX/XXXX, I received a call from Shellpoint mortgage stating that my payment was not made and I told her my payment was made back in XXXX. I looked on my bank account and did not see the money withdrawn. I went back on the website and the payment had been canceled. I immediately rescheduled the payment and spoke with another representative about what I could do to protect myself. I was advised that they could not stop him from accessing the loan account online because his name is on the loan. The part that hurt the most that Shellpoint would go months and months without reporting my positive payments but this one incident that I had no control over was reported immediately and it affected my credit score. I reached out to them and asked them to correct this as it was not my fault. I emailed them twice and called numerous times. I opened a dispute with the credit bureaus and nothing was done. I was told to schedule my payment the day I want it to come out, to keep him from canceling. I can't do that when i am overseas or traveling. I have tried refinancing but he would have to sign the documents. My attorney is back in court with a TPRO against my estranged husband as he has did this also with my bank account. I sent this over to Shellpoint Mortgage. The mark on my credit report will hurt me with trying to refinance as my credit has been affected. This is unfair to me as I make my payments and there is no way to help me against this man and the malicious things he is doing. I am asking for Shellpoint mortgage to remove the 30 day mark against my credit.
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

In 2017 I was advised by TD Bank that I failed to pay the real estate taxes on my property located in XXXX, New York at XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At that time I was told that I owed {$11000.00} in real estate taxes. I was still paying the monthly payment on time in the amount of {$2200.00}. 

Apparently the TD Bank repaid the Real Estate Taxes of {$11000.00}. I repaid the {$11000.00} via a certified check to TD Bank. Meanwhile TD Bank increased my monthly payment to {$2400.00}. I have been paying this {$2400.00} since 2017. Meanwhile the bank sent my case to their attorney to commence a foreclosure proceeding. 
I have been in foreclosure since then. This patently unfair. I am almost XXXX XXXX XXXX and this is cruel and unfair treatment by this bank. I HAVE BEEN MAKING THE MONTHLY PAYMENTS CONSISTENTLY TO THIS BANK. Now they want to steal my property and keep the payments that I have made to them. My attorney has contacted them and she is still waiting on a response.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

sent a letter a few months back to Fair and out sourcing acct # XXXX {$2800.00}. Sighs! where do i begin first and foremost i have no knowledge of this account. My identity was compromised and i've spent the last few months trying to put the pieces to the puzzle of my credit TOGETHER. so, i sent a letter a few months ago along with my identity theft i informed them this wasnt my account. Im asking for validation of debt and an immediate removal of account
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have the rights 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 1681s -2 ( A ) ( 1 ) States that 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.15 U.S.C. 1681c ( A ) ( 5 ) 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 antedate 's the report by more than seven years. I have received letters from different credit reporting agency on these accounts listed above that was DELETED for inaccurate reporting on my credit report. Some accounts has come back verified. I have asked for the method of verification several times but NO response.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX XXXX XXXXXXXX i believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00}
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I have been paying all my bills, etc on time for months and my XXXX XXXX still stays a lot lower than it should. This has been effecting my ability to get credit severly. Experian hasn't acted on my request to encrease my score.Please help me to get this fixed .Thank you, XXXX XXXX
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We have had the Capital One Venture card for over 5 years and assumed they would have our backs when we became victims of fraud. We received an alert one day to approve a purchase that we didn't make & when logging into our account to follow up we had over {$4000.00} of fraudulent charges. We called right away, they cancelled our card, assured us they would look into it & the money would be reimbursed to our account. A few days later we received a letter that their investigation didn't prove to be fraud, they believed we made the purchases & all of the charges were put back on our account. The type of purchases, locations & time of day where not normal for us and it seemed clear as day this wasn't us so we are shocked that Capital One said it was their final decision and we are responsible. All of the fraud was on my husbands card and he had it in his possession when this happened. He hasn't been using the card but made recent online purchases through XXXX XXXX this is when the fraud started. There was an attempt on his mothers card too ( she is an authorized user ), she lives in the XXXX but the attempted purchase was in the US, but we caught it in time & it was declined. Capital One is claiming the fraudsters where able to use the chip and that is why they declined our fraud claim. How is this possible?? I feel so frustrated & helpless!
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to follow up on my previous complaint regarding the negative entries on my credit report that I requested to be removed. I appreciate your response, but I must express my disappointment with your statement that these entries were validated and updated. I firmly believe that these are unverified items, and I have no recollection of these negative accounts.
Consumer complaint received 2022-11-28
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX have 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.
Consumer complaint received 2021-05-16
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: CITIBANK, N.A. (VA)

I was like looking at my credit report and it showed multiple loans had been taken out of my account that I did not do. There is two student loans taken out this year in XXXX of 2021 that I did not file and they are up to XXXX.
Consumer complaint received 2023-06-15
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXX CLS - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance $ XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX - Company sold - Original creditor - Comments Account closed at credit XXXX 's request Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX It's been more than 30 days for the investigation!!!! 
RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (LA)

Account Number : XXXX**** Account Type : Unsecured Loan Account Status : Paid account/was delinquent 90 days past due date Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : 11 Payment Status : 90 days past due Payment Status Date : XXXX Account Balance : {$0.00} Opening Balance : {$93.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit Card, Terms XXXX  Account Status : Account/paid satisfactorily Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : 14 Payment Status : Current Payment Status Date : XXXX Credit Limit : {$700.00} Current Balance : {$0.00} Highest Balance : {$170.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : N/A ( I never had this account ever ) They mailed me the card and I sent it right back AFFIRM INC Account Number : XXXX**** Account Type : Unsecured Loan Account Status : Paid account/was delinquent 60 days past due date Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : 13 Payment Status : 60 days past due Payment Status Date : XXXX Account Balance : {$0.00} Opening Balance : {$180.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : XXXX THER ACCOUNT WITH AFFIRM WERE ALL PAID IN FULL AND WERE ONLY LATE ONCE. I HAVE SPOKEN WITH SOMEONE FROM THE COMPANY THREE TIMES BECAUSE IT'S STILL SHOWING ON MY CREDIT REPORT DELIQUENT ACCOUT 60 AND 90 DAYS PASS DUE. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT. IT HAS BEEN THERE TO LONG AND IT'S AFFECTING MY SCORE. THE FAIR REPORTING CREDIT AGENCY INFORMED THAT THIS NEEDS TO BE RESOLVED IMMEDIATELY.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX I submitted a cfpb complaint towards Experian ... .I submitted a 4 day block and remove ( 15 U.S. code sec 1681 c-2 ) T have these accounts blocked from my consumer report See attached documents for the accounts listed below XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX without any response here is my certified mail numbers : # XXXX and # XXXX this is my second request /complaint as well as a NOTICE OF DEFAULT NOTICE OF OPPRTUNITY TO CURE with hopes of resolving this matter
Consumer complaint received 2023-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AL)

My mortgage was transferred from XXXX to Lakeview several months ago. Now, all of a sudden, after I am no longer employed Lakeview starts tacking on additional fees that they claim came from the previous company. If that is so, why wait so long to add the fees to the account. The representative that I spoke with on XX/XX/XXXX did not even know what it was. She had to research & try to make it be my responsibility to research it. How is it my responsibility when it was not my responsibility when the loan was transferred. I was not asked my opinion then, but thats neither here nor there. It seems unfair & deceptive a violation of UDAAP fir them to just decide to tack on additional fees after months of me paying my loan with them. The representative advised that the fees are not hurting me, but they are if I am getting charged interest. Furthermore, their automated system is also misleading. I processed my regular monthly payment on XX/XX/XXXX. The automated system told me when they had received my last payment & what I was due for XXXX. I call back today after processing the payment on XX/XX/XXXX which should have gone for XXXX, only to find out that I still owe for XXXX. The young lady today XXXX, advised that my previous payment went toward principal only, which I did not advise, neither did their system advise or the previous representative that I spoke with on XX/XX/XXXX. It just seems does not seem right.
Consumer complaint received 2023-03-02
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. (LA)

As of XX/XX/2023, medical debt collections under {$500.00} can no longer be reported to the credit bureaus. I demand that the listed debt be removed from my credit report. Account # XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: DISCOVER BANK (CA)

I recently received a cashiers check from Discover and because of prior issues with bank errors and XXXX of my errors its hard for me to cash the cashiers check. I need the cashiers check which was already cleared to pulled back from XXXX XXXX they told me this would be the fastest way for me to get access to the funds. So I know this is not an easy task but I have been waiting over XXXX XXXX for these funds and I am on the verge of getting evicted. I would like to know if another form of payment like XXXX or wire transfer is possible since I have a hard time cashing the check since there are no physical discover banks available to me.