davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (PA)

THIS IS MY 10TH DISPUTE IN THE LAST 11 MONTHS, MY NEXT STEP IS A LAWSUIT WHERE YOUR COMPANY WILL GIVE ME MONEY FOR THE VIOLATIONS XXXX AKA TRANSUNION has been possessing my information illegally without my consent. I have disputed these accounts for months and TRANSUNION has not followed and obeyed my consumer rights and federal law. I have put them on notice of these violations and they proceed to reply to each complaint saying the same thing as a generic message of " response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -VERIFIED AS REPORTED XXXX XXXXUPDATED XXXX XXXXUPDATED Other miscellaneous actions take based on your request were : Opt out - UPDATED EXPIRATION Extended alert - UPDATED EXPIRATION THEY HAVE SAID THEY REACHED OUT TO THESE COMPANIES ASWELL AFTER I SPECIFICALLY SENT OUT A CEASE AND DESIST COMMUNICATION LETTERS TO THE CRA 'S AND EACH CREDITOR XXXX THIS INFORMATION HAS STILL BEEN REPORTING AND IS ALSO BREAKING THE FDCPA AND THE FCRA. as I have made them aware multiple times that theyre violating me and breaking laws, they have broken federal law 15USC 1681I ( 5 ) ,15 U.S. Code 1681b ( 2 ) 15 U.S. Code 1681A AND COMMITED A FELONY CRIME OF 18 U.S. Code 1028A.
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (FL)

I was notified by my homeowner 's insurance company on XX/XX/2022 that my premium was not paid by my mortgage company, New American Funding. The policy expired on XX/XX/2022. New American Funding never attempted to contact me. My insurance company reported to me that multiple attempts to request payment from New American Funding went unanswered. I have been in contact with New American Funding and have been given false information. I was told my premium had been paid when it had not. I spoke to a manager who again assured me that the premium was paid and later informed that it had not been paid. I have requested New American Funding to contact me to address my concerns and they have yet to give me an answer. My insurance company stated my policy is not active. 
I have received no mail or email correspondence to forward to you. Please look into my complaint.
Consumer complaint received 2022-09-29
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. (PA)

I have sent a letter to the Credit Consumer and they have failed to comply with my letter and has not replied. My letter stated the following : I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information above, so that I may follow up. 
2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2023-03-25
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: CCS Financial Services, Inc. (VA)

XXXX sold a {$77.00} debt to ccs collections prior to 90 days delinquent. I paid the debt owed 3 years ago yet ccs will not remove negative rark from my credit report.
Consumer complaint received 2022-04-15
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX for XXXX XXXX, XXXX, XXXX for XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX, XXXX for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX number # 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
Consumer complaint received 2024-02-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: STOCKTON MORTGAGE (KY)

I am writing to express my deep concern regarding the discriminatory treatment I experienced while attempting to complete a Federal Housing Administration ( FHA ) loan application with Stockton Mortgage. As a prospective borrower, I believe that I was unfairly treated and denied equal access to the mortgage application process which violates The Fair Housing Act and The Equal Credit Opportunity Act. 

On XX/XX/year>, I initiated the mortgage application process with Stockton Mortgage with the intention of securing an FHA loan for the purchase of a home. Throughout the application process, I encountered several instances where I believe I was subjected to discriminatory treatment based on my race, my ethnicity, my family status, refuse to negotiate for housing, and otherwise make housing unavailable. 

The loan office I worked with during this time was : XXXX XXXX. The telephone number he used to communicate with me was : ( XXXX ) XXXX - XXXX. On XX/XX/year> at XXXX XXXX XXXX stated " he could not get me approved ''. 

Despite providing all required documentation and meeting the eligibility criteria for an FHA loan, I was met with undue delays, requests for unnecessary information, and ultimately, my application was denied without valid justification. It is disheartening to believe that I was not given the same level of consideration and assistance as other borrowers solely based on my race, my ethnicity and my family status. 

It is important to emphasize that discrimination in any form is not only unethical but also illegal under the Fair Housing Act and other applicable laws. As a financial institution, Stockton Mortgage has a legal and moral obligation to ensure that all applicants are treated fairly and without regard to protected characteristics. 

I urge Stockton Mortgage to conduct a thorough investigation into my case and take appropriate corrective actions to address the discriminatory practices that I experienced. Additionally, I request that Stockton Mortgage provide me with a written explanation for the denial of my loan application and offer remedies to rectify the situation. This denial has caused severe burdens on my family. We have suffered emotional distress, humiliation, pain/suffering, loss wages, and loss of homeowner opportunities. 

I trust that Stockton Mortgage takes this matter seriously and is committed to upholding fair lending practices. I look forward to your prompt response and resolution of this issue. 

In the event that there are no remedies agreed upon, I intend on filing a complaint with the FTC, Security Exchange Commission for security fraud, HUD, State Attorney General office, and State/Federal Court . 

Thank you for your attention to this matter.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S. Code $ 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
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 report under 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 consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

I have a mortgage with Mr. Cooper. In XXXX they did not make my hazard insurance payment. After being contacted by me and insurance company multiple times they sent a check but I was informed by my insurance company that it was returned by the bank due to a stop order being placed on the check. I've emailed and called ( I wasn't able to reach in agent it keeps disconnecting ) and this servicer is terrible. I had more than enough in my escrow account and I need to know what happened to my money in order to pay the insurance company. They're giving me XXXX weeks to get them payment and this servicer doesn't respond at all.
Consumer complaint received 2022-04-15
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: SYNCHRONY FINANCIAL (NY)

I have 2 hard inquiries from 2 companies that no longer has my account open I know because previously called them a week agoXXXX refused to remove these the accounts below SYNCB/PAYPAL XXXX  XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo staff stole {$1200.00}. From my checking account and they add insult to injury by offering me {$100.00}. We will not allow XXXX to commit criminal acts against us. We are seniors with limited resources but somehow we will find a way to sue XXXX in a court of law. 

We are in the process of attempting to communicate with XXXX XXXX XXXX as he has serious problems employing criminals in one of the Wells Fargo branches in XXXX. XXXX XXXX, Florida.
Consumer complaint received 2024-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (PA)

I am being overcharged on daily interest. Aidvantage takes 5 days to process a payment. In those 5 days I am still getting charged interest daily. Also, I am being overcharged interest on balances that have decreased by over {$7000.00} but the daily interest charge is the same regardless of the balance. I have tracked my daily balance since XX/XX/2023. One of my loan balances started at {$20000.00} with interest rate of 7.25 %. Since XX/XX/2023, the daily interest charge is {$2.00} on that one specific loan. The balance on that same loan is currently {$13000.00} and still gets charged {$2.00} every day. How is that possible to be charged the same amount every day when the balance has decreased by over {$7000.00}. I have XXXX loans so this is happening on each of the loans despite the balance decreasing.
Consumer complaint received 2022-09-29
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-09-29
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)

FCRA VIOLATIONS NOT MINE CREDIT CARD XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open. {$130.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. 
NOT MY ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY SS XXXX NOT JOBS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY NAMES XXXX XXXX NOT MY INQUIRIES XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2021-08-24
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: JPMORGAN CHASE & CO. (NJ)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2022-09-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$2500.00}
Consumer complaint received 2023-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (MA)

I had found out I had a debt from XXXX XXXX that was then sent to Penn Debt Collection. Penn had thereby neglected to send any notification of the debt owed to them to my address or any additional information about said debt in their possession including debt amount. Additionally, Penn has neglected to return disclosure of full payment amount to XXXX  in what could be considered a timely manner. For example, Penn collections has a XXXX business day turn around time for processing of debt payments. Informing XXXX of successful debt payment takes XXXX business days. At the end of the month, processing of payments are batched and held until the end of business on the last day of the month at XXXX. This payment information is not issued for queue to send to XXXX  until the business day. This information was collected from Penn debt collection agents directly. In essence, in order to clear a debt from an individuals account with XXXX is can take over XXXX business days or two weeks in order to resolve a debt. Due the Penns deceptive practices of non-notifications of debts in their possession, refusal to provide proof of debt, in addition to unnecessarily lengthy processing times on their end, they should be investigated for violating the FDCPA.
Consumer complaint received 2023-10-18
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. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( 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.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2019-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX XXXX GA XXXX. 
Payment Errors : Your company did not properly credit the payment that I made on [ XX/XX/2019 ] in the amount of {$1600.00}. This payment should have been credited as a monthly payment and not towards the Principle. 
I have called every month since then and am being told the matter is being " escalated '' and should be resolved within 5 days. We are now in XXXX and it has not been resolved.
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act 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 c
onsumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I tried to rent an apartment and was denied. I requested a copy of the credit report and was shocked to see all of the incorrect addresses, phone numbers, employers, mis-spelled names. 

I contacted the credit agencies in order to fix the all of the errors. It has been longer than 30 days. 

The credit agencies will not let me delete the in accurate information listed above. In addition, my identity has been stolen and was part of the data breach reported by the Texas DPS.