davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per CDIA! 

I have recently obtained copies of my personal consumer credit report ( XXXX ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Listed below are the Accounts and Inquiries that are being challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I have requested multiple times to get my consumer statement deleted from my Equifax report and it still has not been removed. My consumer statement reads " PLEASE REMOVE REMARKS FROM MY XXXX ACCOUNT STATING " CONSUMER DISPUTES THIS ACCOUNT INFORMATION '' I would like it REMOVED!!!
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (AL)

There is a small amount of money left on the card. The card will not let me spend that money. The prepaid card company ( myprepaidcenter.com ) will not even discuss the situation with me. They claim that there is some discrepancy with my address. I have the original paperwork where the card was mailed to me with my address on it. Providing this information exactly as written from that mailer is not working. 

I spoke with XXXX ( XXXX XXXX ) about this for nearly 45 minutes and got nowhere.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2019-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

I have multiple collections notations from a company called " progressive management systems '' on my credit report. They are classified as " medical ''. I do not know where these came from, as I have medical insurance through the VA, and continue to receive calls from this company asking for me to verify personal information.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (NM)

XX/XX/2022 ; AXOS BANK RECEIVED MY SSA BENEFITS DIRECT DEPOSIT AND ARE REFUSING TO PROCESS IT. sOCIAL sECURITY AND THE TREASURY DEPT CONFIRMED THE BENEFITS PAYMENT WAS INDEED SENT TO AXOS BANK ON THE ABOVE DATE
Consumer complaint received 2020-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

In efforts to ensure onetime bill payment with Citizens One, I attempted to set up automatic draft for my mortgage payment. There was an issue with the system or me inputting the correct account information and my payment for the month of XX/XX/2019 failed to process. 

I never received a phone call, email, text, no form of communication from the company indicating that my mortgage was late or needed to be paid. I was told that I was mailed a letter AFTER my mortgage was already 30 days late and a remark had been added to my credit report. 

Upon contacting customer service, a representative informed me that the company indeed did not contact me and only makes calls to its " bad paying '' customers when their payments are late. As a customer who has made 100 % payments on time there was no courtesy call or outreach to ensure that I didn't fall behind or miss a mortgage payment. 

What was even more frustrating and infuriating was that Citizens One called me and left voicemails several times in XX/XX/2019 attempting to sale me another mortgage after they some how found out that I was shopping for new loans. 

They took zero responsibility for their actions in this situation and refuse to remove or rectify the 30 day late remark on my credit report.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I am in the middle of processing of getting loan from another institution and move away from and XXXX  XXXX  thief SLS ( Specialize Loan servicer LLC ) Corona made everything late overdue and XXXX a long time to process paperwork After government ban banks and mortgage servicer from evict and foreclosure on peoples home These monsters send a creep to Put a sale date on my door Sale date is for XX/XX/21
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I did not file bankruptcy in XXXX  because I live in XXXX, I disputed XXXX, XXXX, and Experian by submitting my husband 's military XXXX orders, proof of residency since XX/XX/2010, driver 's license, a letter from XXXX  court stating they did not give any of the credit agencies any documents that bankruptcy was filed, and a letter from XXXX XXXX stating that they investigated this with XXXX  court and did not find proof of a filed bankruptcy. I also file a FTC report with little assistance or feedback of removing the bankruptcy from the credit agencies.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
XXXXXXXX XXXX XXXX  XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX Bankruptcy Dismissed DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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
Consumer complaint received 2024-02-21
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. (CA)

I have disputed my XXXX XXXX XXXX XXXX XXXX account several times with Experian due to reporting incomplete information on my consumer credit report regarding this credit card account since the account was opened in XX/XX/2018 After the disputes were completed by Experian, Experian filled to update the account to show all complete details per the FCRA. The account shows as " NO STATUS '', which in fact the account have been opened since 2018 with all on time payments. 

I have attached XXXX pdf ( s ) to show how Experian is currently reporting this account without all necessary incomplete details of the account.
Consumer complaint received 2020-01-15
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: Convergent Resources, Inc. (AZ)

Convergent Outsourcing Inc. is reporting to all three credit bureaus that I owe them a balance of {$1300.00}. I never engaged in any business affairs with Convergent Outsourcing Inc . I disputed it previously and both the company and the credit bureaus never provided me with a signed contract with Convergent Outsourcing Inc. with my signature. A collection bill is not a validation of debt and I have a right to be provided with proof of my direct business affairs with them.
Consumer complaint received 2022-12-07
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

Amerihome Mortgage have added on late fees to our mortgage, when we have till the XXXX of every month to make payment. They added late fees to our mortgage for no reason, and have stated on the phone they will continue to add if we don't make payment by the XXXX of every month. 

This is against their own terms and conditions. 

We did have some troubles making payment the last few months, but cleared that up and paid the deserved late fees on those. But, they tacked on late payments before our few months of troubles, and threatening us today.
Consumer complaint received 2019-07-12
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 — Problem with personal statement of dispute
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (FL)

Request a personal loan at Iberiabank, and it was denied for serious delinquency. I investigated XXXX and I do not accept the reasons given, because I do not possess delinquent in my credit report. The information was verified in XXXX  and there is no delinquency. In addition, the score is incorrect. I understand that I was discriminated against for not approbation with incorrect information. I request that it be investigated.
Consumer complaint received 2020-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OH)

I have had my account with PayPal for 8 years with no incidents. XX/XX/2019 I started XXXX  XXXX To a cusnsumer whom made several transactions through XX/XX/2019 as well. In XX/XX/2019 I noticed my PayPal account had become several hundred dollars in the negative. I made contact with PayPal in these regulars to submit validation and text messages to prove that the transactions were legit from the customer whom contested them with their financial institution. The claim was filed with PayPal and almost instantly denied in my favor. I called several times and was advised PayPal had no control over the out come because the transactions had been submitted by the individual from the friends and family selection PayPals app? I do not agree this is possible as PayPal seen that I had spent the money in question and they had refunded it to the bank under the same liability clause and in return deducted that balance putting my account in the negative. Bias as this is saying that my account is less than one of the financial institutions is not fair I trusted them with my financial business or money and how can the bank of said customer have a Stronger pull on the outcome if I gave proof to validate any of the information given? I also advised PayPal of the 2 month delay that it took the consumer to alert their financial institution and they claim they can not control the outcome! I think its sad if they can get away with this treatment. I do not agree and Im trying to maintain professionalism. My 8 years with PayPal should speak for itself that this incident is not my fault or unauthorized. The transactions were valid and the real reason the consumer had to dispute the transactions was due to his significant other questions the XXXX nature of the listed XXXX  items he had received and she had discovered his secret thus causing him to cover his tracks lying and disputing the paper trail sadly. I submitted the texts to PayPal for their records and they have done nothing to help me. Is is because of the XXXX part? Im so confused how a financial institution can persuade another under false pretenses if their consumer is the one at fault? I dont do business with this alleged institution Im doing business through PayPal they are the ones violating my trust rights by allowing manipulation through banks or liars to contest valid charges. I do not care what selection is used during said transactions through PayPal they need to fix this!
Consumer complaint received 2019-12-09
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC (OH)

I recently sold my home and closed my mortgage account with Ditech. I have been waiting since XXXX for my refund escrow check. It has been reissued to me about 4 times now. Every time i call, they either say I have to wait 30 days, don't have a record of a recent request, or refuse to transfer me to a supervisor because they are " all busy ''. They put me on hold for long periods of time, and only when i speak again they say they figured it out. It seems like they legitimately put me on hold for as long as I will allow. 

This last time I called, end of XXXX, they " reissued '' my check, said it would be here by XX/XX/XXXX. I called again around beginning of XXXX/last day of XXXX, and a new rep said I would receive it by XX/XX/XXXX. I called TODAY, the XXXX, to make sure it was sent out, and the rep said I never requested a new check, the last time was XX/XX/XXXX and they never put a stop payment and there is no other history of my call. 

I'm getting really annoyed and very frustrated as i keep running in circles and it's a decent amount of money that I would like back. 
Half the time, it is ( and sorry ) a foreign person who doesn't speak English well, and keeps trying to FAX or EMAIL me refund check, which, lol, you can not deposit an email. 

This call currently is running 40 minutes and counting and I still can not get through to a super or anyone higher. The rep puts me on hold to look for someone, until i start saying " hello? '' and then says sorry, everyone is busy, i can email the supervisor though and no, you can not be copied on the email.
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. (PA)

in accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX account number XXXX XXXX # XXXX XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. states i have privacy rights.

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 2020-01-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (AZ)

To whom it may concern : I recently ( XXXX ), contacted PRMG loan ( Paramount residential mortgage group, XXXX XXXX XXXX, ( XXXX ) XXXX XXXX OH XXXX ) about a cash out refinance on my home located in XXXX Closing date was set for XXXX, I filled out the necessary paperwork and signed dated and returned it to there office via email. I was then told by XXXX XXXX-loan officer email XXXX that an appraisal and an engineer to provide an engineering certification would be ordered at my cost ( nearly {$1000.00} USD ). I proceeded to pay both fees and the appraisal, which came in above and beyond the required amount, and also paid the fee to the engineering firm which also came in as satisfactory. After further investigation by PRMG loan, they said I was not going to be approved for the loan. At that time, we had a conference call with XXXX, myself and XXXX XXXX-branch manager ( same address as XXXX XXXX, and supposedly they had a company that could help with my refinance, ( felt I was being palmed off on another company ) I contacted the new company and have not heard a word from them since I sent them an email making some inquiries. I feel PRMG should of thoroughly investigated my credit history before the fact that I was lead on about being approved and spending nearly {$1000.00} USD for both appraisal and engineering certificate. I feel this practice is bait and switch and shouldn't be tolerated by consumers who are not in a position to throw away {$1000.00} dollars. Thank you
Consumer complaint received 2019-12-09
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. (GA)

XXXX  and Transunion are reporting incorrectly that I am ( 30 60 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my account. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I deposited a tax refund check from the federal government ( IRS ) into a Bank of America estate checking account yesterday, XX/XX/23. I was told the funds would be available today, the next business day. This was also the information that was shown in the mobile app. I check the account this morning and found that the bank had put a 10 day hold on the check. I called the bank and was told the bank was trying to verify the funds. I explained to the customer service that the check is a tax refund check drawn on the Federal Reserve Bank and that the funds are supposed to be made available the next business day. Bank of America will not remove the 10 day hold. I also requested an image of the check and was told that the image was unavailable.
Consumer complaint received 2020-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

A few years ago I made a complaint to The CFPB and Attorney General Office, Police about XXXX a cell phone company, And another collection agency. XXXX found out the charges of {$3800.00} was fraudulent and that I did not open any account. XXXX Deleted the Fraudulent debit from my credit file. and gave an apology for all the inconvenience it cost me to clear my name I checked my Credit tonight and a collection company ENHANCED RECOVERY has the same XXXX debit that was deleted years ago. on my credit report WITH BRAND NEW DATES like it had just been open. And this issue was closed and deleted a few years ago. it took months to clear my name. I want this Taken back off my Credit report at XXXX. and they allowed for this to be placed knowing full well it was removed. because of Identity theft.