davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
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. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account Number # XXXX has violated my rights XXXX Account Number # XXXX has violated my rights XXXX XXXX Account Number # XXXX has violated my rights XXXX XXXX Account Number # 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 reports by more then seven years.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been making payments to XXXX XXXX XXXX for about 2 and half years now and the majority of them have been paid online. I paid my XXXX mortgage payment on XX/XX/19 which was a Sunday at XXXX. XXXX XX/XX/XXXX changed the way they process payments on the weekend, did not notify me of the change, and applied my payment as of XX/XX/19 and put a 30 day late on my credit report. I paid on XX/XX/XXXX not XX/XX/XXXX. I was not 30 days late. I provided proof showing the screen print of my payment along with their email confirmation of receipt of payment dated Sunday, XX/XX/2019 XXXX XX/XX/XXXX. XXXX XXXX refuses to take the 30 day late off my credit report.  I've called them numerous times speaking to various people. More than one of their reps agreed that they recently changed the way they process payments. They now apply weekend payments the following business day and will put a 30 day late on your credit report even though you were not 30 days late. Again, they failed to notify me of this change in apply weekend payments the following business day and the fact still remains that I paid on XX/XX/XXXX not XX/XX/XXXX. My last call to XXXX XX/XX/XXXX XX/XX/XXXX was with their Customer XXXX on XX/XX/19 at XXXX. He stated they've done this to thousands of people and put the 30 days late on their credit reports too. I first notified XXXX Mortgage of their error on XX/XX/19 via email to XXXX. I received no response. I sent a second request for them to correct their error on XX/XX/19. No response to my either email. I was verbally told they would have a decision by XX/XX/19. It seriously does not take two weeks to look at this information. I called XX/XX/19 and was told they declined to remove the 30 day late and was advised to file a dispute with the 3 credit bureaus so that department can review the complaint and decide what to do. They are clearly violating the Fair Credit Reporting Act when I paid them on XX/XX/19 not XX/XX/19. Here are the dates & times of my calls to XXXX XXXX XXXX  trying to get them to review the proof of payment emailed to them and to remove the 30 day late from my credit report : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019XXXXXX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX
Consumer complaint received 2024-03-11
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)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account Number # XXXX has violated my rights XXXX Account Number # XXXX has violated my rights XXXXXXXX XXXX Account Number # XXXX has violated my rights XXXX XXXX  Account Number # 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 reports by more then seven years.
Consumer complaint received 2018-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

I asked for a loan modification after finding out I could and was informed that because the sale of my property was less than 7 days out I could do a application but it would not be reviewed. The company never called or sent me any information on doing a loan modification.
Consumer complaint received 2015-11-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (VA)

I am closing on the sale of my home on XXXX XXXX, 2015. I have an FHA mortgage with JP Morgan Chase. I have been told that I will have to pay interest for the entire month of XXXX even though I am paying off the loan before the end of the month. This amounts to approximately {$490.00} in interest I am being charged for absolutely no reason. They are also charging me an entire month 's worth of mortgage insurance as a result of this practice, which equates to an additional {$110.00}. New rules are in place prohibiting this practice for loans originated after XXXX XXXX, 2015 ; however, JP Morgan Chase is CHOOSING to continue to charge this excess interest to borrowers with older loans despite the fact that it is unfair and harmful. The lenders should not be permitted to engage in this type of conduct simply because some fine print buried in the contracts permits this unfair practice.
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

My insurance company pass and I give them a copy of my insurance card at that time. 


Accordance with the fair credit it reporting act XXXX  account # had 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 w : It aslo states a consumer reporting agency can't fumish a account without my written instructions.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

This is regarding CFPB complaint # XXXX Attached are the proofs. 

XXXX Bank letter proves that identifying information was there to apply the payoff balance on XX/XX/22. The error is on XXXX XXXX, ShellPoint, NewRez. 

XXXX the XX/XX/22 payoff balance as promised and promptly refund me the overpaid amount.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

These accounts are fraudulent and I demand they be removed from my credit report within 4 days of receiving this document per 403B in the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY ()

I sold a website to XXXX XXXX for {$1700.00}. As the beneficiary, XXXX XXXX  tried to pay me through XXXX XXXX XXXX XXXX on XX/XX/2022 and the fund ended up at Wells Fargo ( an intermediate ) on XX/XX/2022. Wells Fargo couldn't apply the fund due to my account 's limitation that I wasn't aware of at the time - wrong account type ( XXXX  doesn't allow international wires )- so it was returned to the originating bank, XXXX XXXX XXXX XXXX  on XX/XX/2022. Confirmation ( from Wells Fargo ) is required for the availability of this fund. XXXX XXXX XXXX XXXX claimed they have submitted several confirmation requests ( including follow ups ) but Wells Fargo isn't responding.
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (PA)

This started when I called to Citibank on XX/XX/XXXX, and asked if I can transfer money to XXXX. The answer was Yes. I proceeded and submit transfer for {$130.00}. By XX/XX/XXXX I noticed that money did not go to the destination. I called Citibank. They told me they had a question if it is a payment or transfer to private person. I answered that question. Since then passed additional 5 days. Again nothing. I called again. They told me it is under review. I told them just recall the wire, since it looks like it does not not go anyway. They submitted recall on XX/XX/XXXX. Since then I call Citibank every day. Absolutely nothing is happening. Money do not deposited back to my savings account, nor transferred to the destination. Citibank told me their regulations it takes 10 days. This 10 days passed, and Citibank does not return my money.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-21
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. (IL)

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

XXXX  XXXX Account # XXXX Account # 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 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 2023-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

There is a court order signed by XXXX XXXX saying " the interest portion of the debt can not be enlarged beyond the figure it represented on XX/XX/2007 ''. 

XXXX XXXX XXXXXXXX and Select Portfolio Servicing have ignored and violated this order and have continued to add fees, late payments and the like on to the account in question in violation of 12 U.S. Code 2605.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (PA)

XX/XX/23 I applied online to open an account of TD bank ( TD Bank checking Account Number : XXXX ) And went to the bank. They said my account was forcibly closed. I dont know why, I need my account back!
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (NM)

On XX/XX/XXXX they responded to my original complaint and they sent a letter to my credit reporting agency to have the inaccurate information they originally reported to be removed then I got a alert that in fact they did do that my score went up XXXX points! Now this morning I get another alert from experian that they went and re-reported the false information and again my score went down by over XXXX points I have all proof of every payment being made and they are showing as if my credit report is showing late payments for XXXX and XXXX and its just not true they have affected my ability to buy a vehicle and Im super upset they are predatory lending without question and they are false reporting information! They acted in front of you guys that they were doing the right thing then turned around a week later and re reported the false information and then my score just took another big dip I want this removed from all XXXX credit reports and I want this company penalized as they are purposely trying to destroy my credit as if this is a game to them Please help me get this fixed and fixed as soon as possible please!
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP (MI)

The attorney continues to lie in court in his attempts to obtain a favorable judgement for the debt. Moreover, I have no legal proof that this office is permitted by law outside of this summons to collect on the said debt. Such is my legal right under Fair Credit Reporting Act ( FCRA ) as well as the Fair Debt Collections Practices Act governed by the Federal Trade Commission. The plaintiff admits this much in the brief stating there has been no assignment of the debt. Therefore, my communications at this time should only be with the furnisher in accordance to FCRA. 

The attorney of record, XXXX XXXX makes the false statement repeatedly " that I have never objected the debt during the life of the account. Which is a deliberate lie. He is aware of this because not only have I made the same statement repeatedly while he was present in hearings, I have also stated this concern to their office in writing. Yet, XXXX XXXX continues to outright lie, under oath in briefings saying that I have never objected the account in any way during the life of the account. Which is simply untrue. Now, if I, under oath lied, I would be guilty of perjury and charged with contempt of court. Is XXXX XXXX, a lawyer who has taken not subject to the same oath I was sworn under in these court proceedings? Is he above reproach and the rules that govern the court because he is acting in his vocation to collect a debt? What about the oath he has taken with the Michigan XXXX XXXX to : maintain the respect due to courts of justice and judicial officers ; employ for the purpose of maintaining the causes confided to me such means only as are consistent with truth and honor, and will never seek to mislead the judge or jury by any artifice or false statement of fact or law ; in all other respects conduct myself personally and professionally in conformity with the high standards of conduct imposed upon members of the bar as conditions for the privilege to practice law in this State. 

He also continues to collect a debt in which he or his office doesn't have assignment over which violates FDCPA.
Consumer complaint received 2020-12-23
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: Experian Information Solutions Inc. (FL)

A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. Also, I got inquiries and I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up this account with someone that has a similar name as me.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently submitted a complaint against Transuion regarding an adverse account status with XXXX. I submitted the necessary paperwork to Transunion, XXXX and XXXX on XX/XX/2017 for the 2nd time. The Transunion rep and I both had a conference call with XXXX and XXXX and XXXX has reported the correction to the other XXXX credit bureaus. For some reason Transunion is refusing to correct this being listed as an adverse account and I need it fixed immediately.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2023 I had a posted balance in my account of {$220.00}. I had a refund come in for {$12.00} then transactions out for {$85.00} {$16.00} {$120.00} and {$0.00}. I should have had an available balance of {$15.00}. However my statement shows I have a negative balance of {$56.00} and was charged {$36.00} over draft fees on the {$120.00} and the XXXX transactions even though my account should of had a balance of {$15.00}. Then on XX/XX/XXXX I had a transaction come out that was a mistake of {$17.00} I contacted the company that charged my account they immediately issued a refund for the {$17.00}. But I was still charged a {$36.00} overdraft fee. When I called the bank they made me cancel my old card but did not bother to tell me it cost {$30.00} to have a new one sent out express ( that took 6 days ). They gave me a refund for the {$30.00} on XX/XX/XXXX. Then on XX/XX/XXXX I was charged a {$36.00} overdraft fee even though there was no other transaction. Taking my total overdraft balance to {$120.00} This is my business bank account and everyday that I am unable to use it because of this is costing me a lot of money because I can not order parts for my customers pay my bills or anything that involves needing to use my bank account. I went to my local branch an the branch manager acted like she could care less and would not help fix the problem. I desperately need my account it is hard enough running a XXXX XXXX XXXX without have my account held at ransom over a mistake on there end.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On or about XX/XX/XXXX I opened an account with XXXX, XXXX for a personal purchase loan of {$450.00}. The account went to collection agency XXXX XXXX. On or about XX/XX/XXXX I paid the balance to XXXX XXXX. As of now XXXX is still reporting a balance and collection or negative account to all three credit agency 's. I have filed XXXX disputes through Experian and XXXX is knowingly providing false information.
Consumer complaint received 2022-04-21
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. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX Account Number # XXXX has violated my rights. 
XXXX XXXX Account Number # XXXX has violated my rights XXXX Account Number # 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 reports by more then seven years.
Consumer complaint received 2018-06-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Principal Group, LLC (IL)

I called the company back and requested that they send me a letter to verify any debts. They refused to send me a letter. They have my name and address, but would not send me any information to verify a suppose debt. And to stop calling relatives and friends to try to locate me. I only want them to send me a letter, so I can verify any debts.