davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (WA)

New Rez Claims department is not releasing funding to complete the work being done on my home. They have received my claims checks from me already and keep giving me the run around to get additional funding released. They stated I needed an inspection done by their third party and I have not heard from them in regard to scheduling any inspection. I was told it would be 3-5 days and we are now past that time frame. 
I am now needing to pay additional money for trusses and labor out of my own pocket again which will now put me at over {$30000.00}. I have not had any contact or anything from my claims manager. I will in the following week also need to pay for plumbing and electrical and labor again, which will be another {$15000.00} to {$20000.00} dollars out of my own pocket, while Newrez has my claims money. 
I have had to acquire and attorney and am now taking out a personal loan to pay for the completion of construction.
Consumer complaint received 2023-05-18
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (GA)

on or about XX/XX/XXXX I placed an order for some curling irons, via my XXXX XXXX XXXX XXXX, XXXX XXXX, order was placed over the phone, & my XXXX XXXX XXXX XXXX, was used to pay for this order. Invoice XXXX was created. On XX/XX/XXXX I received some of the items I order, along with the invoice for what was shipped out. Invoice reads total amount charged to the card {$140.00}. 

I went online for Comenity Capital Bank, to make said payment. However, the total amount Comenity Capital Bank billed for this invoice on the statement {$140.00}. 
I called in multiple times and spent more than 4 hours total being transferred all over the place. I have been advised someone would call me back, no one ever has. On XX/XX/XXXX XXXX in Purchasing said it was interest. But I have never held a balance, always pay immediately. Then he advised it's customer service, and wanted too transfer me back to them. I just spent 2 hours with them and they transferred me to Purchasing. 

On XX/XX/XXXX I purchased items with a total of {$180.00}. But when I get my statement I have to pay {$180.00} else. Not {$180.00}. 

Today XX/XX/XXXXXXXX  My credit score dropped by 10 points because my debt increased. Comenity Capital Bank reported that I carried over a balance, and charged me {$2.00} interest on the {$1.00} they over charged my on my XX/XX/XXXX purchase. 
If I would have used nay other card that day, the sale would have been over & done. XXXX would have received their {$140.00} for the items I received. 

If Comenity Capital Bank rounds up purchases by a XXXX and we pay it, think of all the free money they get. That worked for them in XXXX. So for XXXX they try to get an extra {$1.00} with no explanation, no rhyme or reason. It's stealing and hoping no one notices.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00}.
Consumer complaint received 2023-04-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights : 1. TransUnion ( XXXX ) Account # XXXX XXXX. XXXX ( XXXX ) Account # 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
Consumer complaint received 2023-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

Reference # XXXX a few years back was going for regular checkups at bassett hospital in XXXX new york XXXX am covered for all medical expenses via health insurances and then XXXX . XXXX XXXX  sent all the bills to the wrong insurance company and XXXX only paid a portion of it. I notified the hospital at that time and the collection agency of this situation and sent them both copies of my insurance policy from XXXX XXXX XXXX XXXX showing I had medical coverage. To this date, I was informed that XXXX XXXX XXXX XXXX never received any medical invoices and now the time has expired to submit any claims in this matter. For the past year this collection agency has been trying to collect {$710.00} from me which should have been paid by the insurance company back then if XXXX XXXX didn, t screw up the billing. They put these unpaid bills on my credit report.
Consumer complaint received 2023-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

I am disputing this debt because I know that the amount is wrong and the account with XXXX was closed on XX/XX/XXXX, XXXX. I started service with XXXX XXXX in XXXX of XXXX and had 2 years to pay off the new phones and before services could be cancelled. The phones were paid off in XX/XX/XXXX despite one of the lines not being in use for over a year because of a lost phone. I called XXXX to cancel my service in XXXX of XXXX and it was officially cancelled on the XXXX. I never received any type of communication from XXXX that any money was owed or a final bill notice. Towards the end of XX/XX/XXXX, I received a collection notice in the mail regarding this account. I called XXXX customer service several times and was unable to get any information or this issue resolved because I had forgotten my passcode for the account and was told I had to go to a store to get this resolved. I went to the store located in the XXXX outlets in XXXX, GA on XX/XX/XXXX and was assisted by an employee named XXXX XXXX. XXXX called up customer service and was on the phone for over an hour trying to get this resolved. There was a female customer service representative on the phone and said that no money was owed, and the issue was resolved. A few weeks later I received another collection notice, and the amount was higher. I called up convergent on XX/XX/XXXX and explained the situation. I was told by the male rep on the phone to call XXXX and that a rep would assist me over the phone. I called XXXX again several times and kept being told that no information could be discussed without the account passcode. I went back to the XXXX store in XXXX on XX/XX/XXXX and spoke with the XXXX named XXXX XXXX XXXX I came in distressed and left in more distress than when I arrived. The manager was rude and by his physical body language he clearly did not want to help me. He told me it was out of their control and not to worry about it. XXXX XXXX happened to be there this day and I asked her to explain what happened when I was there last month. So the manager finally agreed to call customer service. After doing his research per XXXX XXXX XXXX I was still being billed for the second phone line and that there was no evidence that any bills were sent to me or any type of notifications. Per XXXX XXXX XXXX since I had already transferred to another service to not worry about this issue. After this visit at the store I received a third collection notice. How can a cell phone company justify billing a customer after they close their account?
Consumer complaint received 2023-02-01
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)

XXXX, XXXX, Transunion, XXXX XXXX, and XXXX XXXX are refusing to remove this inaccurate information from my account. To date as of XX/XX/2023 I have not received any documents providing the requested debt validation items they should have within their files as they've only stated the information they have is correct. How is the information correct, what information do you have within your system, who completed the application, where is the credit card application, send every single file and not a credit card statement. 

Credit Bureaus REMOVE this account.
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (CO)

On XX/XX/XXXX, I send a intent to vacate notice from apartment-moving out date was XX/XX/XXXX. 

On XX/XX/XXXX I was contacted via phone & made aware for the first time that I had debt from previous apartments that I had moved out from on XX/XX/XXXX. I informed debt collector that I needed written notice/validation notice from them Central Portfolio Control. Male didnt respond to my request & hanged up. 

On XX/XX/XXXX, I send Central Porfolio Control a letter with certified mail receipt-requesting written notice/validation from them. I have not received notice. 

On XX/XX/XXXX, I also send XXXX XXXX a letter with certified mail receipt requesting my deposit which they failed to return based on lease & requesting itemized notice of debt they are claiming I owed as I never received either.
Consumer complaint received 2024-03-23
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)

In accordance with the FCRA, this company is violating my rights under 15 USC 1681 Section 6 o 2 by reporting late payments to my consumer report. This section states I have the right to privacy. 15 USC 1681 6o2 Section A states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer plan as late for any purpose. I am for all requesting proof of these alleged late payments were late. Please verify the accuracy of these alleged late payments. Lacking proof of these late payments, please update these payments as PAANL status ( Paid As Agreed Never Late ) according to Consumer Protection Laws
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (GA)

I received a mail solicitation from American Express on XX/XX/2020. I started calling American Express on Tuesday, XX/XX/2020 to correct the address/ data discrepancy associated with this offer for a financial product. 

I spoke with seven people on XX/XX/2020 after several extended periods on hold. One person provided me a phone number of XXXX to call which turned out to be a sweepstakes redemption number! The only response I could get was to write a letter to the American Express home office, and they provided the corporate street address. 

the other remedy they offered was to block my address from receiving additional mail from American Express, but that will not solve the problem. The issue is that a company, " XXXX XXXX '' is associated with my mailing address on a marketing list used to provide a firm offer for a financial product. I have requested that this be corrected per the FCRA and FACTA guidelines, but American Express has no dispute line or correction center to facilitate this correction.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (MS)

I recently created a credit monitoring account and noticed that someone has been illegally using my information to apply & get credit cards. Which caused a couple of inquiries to appear on all 3 of my credit reports that i never authorized anyone to do so and to my knowledge this is a violation to my rights & the law, and all fraudulent inquiries should be removed.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

In conjunction with complaint XXXX. XXXX XXXX wrote check to me XX/XX/23 for {$8000.00}. Check # XXXX deposited XX/XX/23 into my checking account ( XXXX XXXX ) at XXXX XXXX. XX/XX/23 at XXXX XXXX  I was emailed to contact PNC Bank XXXX by XXXX XXXX  that day. I got home from work at XXXX XXXX  and called. The office closed until Monday. No other department could help me. So, they bounced the check due to lack of signature card on file. REALLY, people do work and can not access their emails. And you give me 6 hours ' notice you are bouncing a check for no reason? This is a new account due to PNC accepting a fraudulent check on our old account ( new acct ending in XXXX ). 10 checks had cleared on this account prior to the bounced check. I appeared in person at the XXXX, XXXX branch on XX/XX/23 and withdrew {$620.00} in cash. NO ONE EVER MENTIONED THAT WE NEEDED TO SIGN NEW SIGNATURE CARDS! Why would the signature cards from the old account not automatically transfer with the money?? So, I had another problem with checks that were going to bounce. I withdrew the money from another account to cover them. My XXXX XXXX XXXX XXXX father had to get his XXXX XXXX XXXX sister to drivXXXX him to the XXXX branch to resign a signature card after being a customer for 35 years. PATHETIC. This isn't a bank, it's a joke. You can call 50 times and you will receive 50 different answers to your questions. No one has a clue what's going on. I feel this was retribution for my filing the original complaint mentioned above. Surely they can not be this XXXX.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

There is an auto loan on my account that was with XXXX XXXX XXXX XXXX. It was included in my now discharged XXXX XXXX bankruptcy, surrendered to a third party, my ex husband. XXXX XXXX XXXX XXXX did not file a reaffirmation agreement with the court. The ex husband made a separate agreement with XXXX XXXX XXXX XXXX to pay off the vehicle and has been paying it, in fact paying it off this month. XXXX XXXX XXXX XXXX continues to reflect this negative reporting on my credit, I have disputed with XXXX 4 times and XXXX XXXX XXXX XXXX 1 time. I have also an open dispute with Equifax as it appears they reported it accurately in XXXX but XXXX XXXX XXXX XXXX reported it again negatively in XXXX. It is shown accurately on XXXX reporting " included in bankruptcy ''. I will continue to fight this until the two credit bureaus show it accurately as " included in bankruptcy '' as XXXX XXXX XXXX XXXX is being deceptive and lying in that they have a separate payment arrangement made with my ex husband, that has nothing to do with me as surrendered the vehicle in 2017. This is wrong, and it is damaging to my credit reporting preventing me from being able to obtain financing on a new home. As a single hard working mom, I will always fight for what is right to defend my home, my son and our livelihood.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland Transunion XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 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, 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 21 days before the payment due date. 


XXXX XXXX - XXXX BANK, Account Number, XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX