davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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. 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 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.

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 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have made several calls to Transunion about being able to access my credit report and have not had any luck with them. I removed the fraud alert and block from my credit report and I am still unable to get a report or score. I have done everything that they have asked me to do and I still can not access anything from them
Consumer complaint received 2023-01-17
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. (NJ)

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, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXXXXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX 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 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-01-17
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

On XX/XX/XXXX, I received a letter notification that XXXX XXXX had purchased my mortgage loan from PENNYMAC LOAN SERVICES , LLC . The letter states that XXXX XXXX is not my mortgage servicer, and my mortgage servicer is PENNYMAC LOAN SERVICES , LLC . 

Instead of sending me notification with payment instructions and past-due reminder, PENNYMAC LOAN SERVICES , LLC directly XXXX me {$110.00} late fee for my very first mortgage payment and placed a 30 Days Past Due delinquency record to my credit report on XX/XX/XXXX. 

On XX/XX/XXXX, after I was notified by my credit monitoring company XXXX, I immediately paid off all the outstanding balances to PENNYMAC as requested. I also called PENNYMAC Customer Service Line ( XXXX ) XXXX to explain the situation. I spoke to XXXX at XXXX PST on Mon. XXXX and explained the delinquency record improperly placed on my credit report. But she refused to revert the late fee charge and remove the delinquency record. I also talked to her supervisor XXXX on the same day and tried to explain that I never received the notice email or letter about a payment past-due. But her supervisor refused to remove the negative record from my credit report either. 

On XX/XX/XXXX, I called the PENNYMAC Customer Service Line again and spoke to XXXX. XXXX said that the late fee could only be reverted before I paid the bill. Since I have already paid all the outstanding balances as PENNYMAC instructed, he couldn't revert the late fee charge. He asked me to write a letter to explain the situation via PennyMac 's Message system. I followed his instruction to write a formal letter and created a case to explain that I tried to set up automatic payment and didn't receive proper notification when my payment was past due. But the case was again declined by PENNYMAC customer service.
Consumer complaint received 2021-06-29
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION (TX)

I contacted M & T bank about two of my mortgage payments on XX/XX/20 and XX/XX/20 that they are reporting as late. Because we were affected by the COVID-19 those two months should not have been reported late. When I spoke to M & T they refused to fix their error because it was already reported. I sent a good will letter to the president of the bank asking to remove them. He never responded back.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX # XXXX is reporting an account with a balance to my credit report that I do not owe. This account has been paid off and should not be reporting a balance, this is in violation and needs to be removed.
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MovoCash, Inc. (GA)

I have received multiple emails from MOVO ( MOVO-Cash ) over the past two weeks that indicate an account was opened in my name, and that there was transaction activity. I notified the company that I did not open any account, and that this was fraudulent. 

Subsequently, I received another email today ( XX/XX/22 ) notifying me that the password on my account had been changed. This again is fraudulent activity. 

When I call the support number for the company it does not appear to be legitimate. Specifically, there is background noise/music that is unusual.
Consumer complaint received 2023-01-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WI)

I pay my mortgage in halves because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and because I get paid every other week. So like every other normal American mortgagee, I'm doing it in a way that works in my budget. Furthermore, I had fallen behind in XXXX and when I was sending payments, they were not being cashed ( putting me further behind ). So - one day they sent me a bunch of my payments in XXXX and told me I was in foreclosure. I took money out of a XXXX and paid off the outstanding amount with TREMENDOUS fees and here I am - back in my mortgage. 

I paid my mortgage in XXXX. Then I paid the first half of the XXXX payment on XX/XX/XXXX. I paid the second half of the XXXX payment on XX/XX/XXXX. I noticed that my account was still saying I owed my XXXX payment- which is INACCURATE. I tried calling- never could get through ( XXXX minute hold times ). I tried XXXX about the misapplied payments and kept getting canned replies to telling me to provide proof of payment. I would reply and get the SAME RESPONSE BACK ( to provide proof of payment ). I then tried calling AGAIN - XXXX min hold time, but I gave my number for a callback ... .callback never happened. Then here we are a week later, and I get a call from the mortgage company - so I answered only to get a recording telling ME TO CALL BACK. I'm at WORK, mind you. So I got up from my desk and found a conference room to make the callback. I sat on hold for XXXX MINUTES ... XXXX. Only to get someone who COULD NOT FIGURE OUT WHAT THEY WERE DOING WITH MY PAYMENTS. So I said I could not sit on hold while she looked at it any longer- I needed a callback or an email with the information. She tells me " there is no way '' she can do that. My only choice was to speak to her supervisor ... .so I had to sit on hold AGAIN for over XXXXXXXX XXXX. The supervisor tells me that on XX/XX/XXXX, the {$1200.00} I paid that was sitting in reserves was USED to pay some unknown fee that she could not explain to me. She THINKS " it has something to do with the foreclosure. '' I have not been notified of any additional fees ... I paid a LOT in fees to reinstate my mortgage in the fall. So- they suddenly found a " fee '' that needed to be paid that miraculously matched the {$1200.00} I had in reserves waiting for my XXXX half of my XXXX. payment ....??? Sounds pretty sketchy to me. 

So - BIG complaints about how they can not be reached and this is a HUGE burden to people who have to WORK and get their jobs done to pay the mortgage. 
ANOTHER big complaint about how they mismanage the payments ... and suddenly coming up with a fee to charge me that I was never told about??? This seems pretty corrupt to me. 
Now here I sit, with a late mortgage payment because they are XXXX XXXX
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank charged me a late fee after telling me there's nothing due then sent an invoice with another late fee to cover the first late fee. I was instructed to pay off the {$68.00} and report it here but now they're charging {$28.00} for return fee when I didn't pay with a check and I specifically asked the customer service personnel who took my payment if there was anything else due. I am a military veteran  who suffers severe XXXX and this is really stressing me out. Please help me.
Consumer complaint received 2024-10-15
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. (NY)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-01-17
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: DriveTime (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # XXXX, XXXX XXXX XXXX  account number # XXXX, XXXX XXXX account number # XXXX & DRIVETIME/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
Consumer complaint received 2024-10-14
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ Todays Date ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Inquiries Dispute with FTC Identity Theft Report Dear TransUnion, I am writing to formally dispute the unauthorized inquiries listed on my credit report. These inquiries were made without my consent and are the result of fraudulent activity. As such, they should be removed from my credit file immediately. 

The unauthorized inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] These inquiries have negatively impacted my credit score, and I request their immediate removal. I have included my FTC Identity Theft Report ( FTC Report ID : [ XXXX ] ) to support this claim. Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ) and remove the fraudulent inquiries.
Consumer complaint received 2023-01-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # XXXXXXXX PORTFOLIO RECOVERY ASSOCIATES  account number # XXXX, XXXX XXXX account number # 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
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MN)

I have a Costco credit card that we had used for a recent vacation. My significant other made {$1300.00} in payments during that pay period already. He tried to utilize his XXXX account to make another {$120.00} payment on XX/XX/2021, but it returned saying he had insufficient funds ( which was not the case ). XXXX then continuously attempted to make the payment and my SO made multiple attempts to reach them XXXX they have horrible customer service ) to discontinue the payment attempts. My SO did attempt to make another payment on XX/XX/2021 ( because again, he had sufficient funds in his account ) but received the same message. I received an email regarding this and reached out to customer service to see what was going on. I notified the customer service representative I chatted with that this was going on. I later found out from someone else that they experienced something similar ( must have been some sort of online communication error with multiple financial institutions? ). I was told that I would have to wait until the end of the pay period to address any concerns. I then noticed on my CitiBank app a few days later that my account was closed and I would be receiving a new card in the mail. I called customer service who stated that I would need to wait to receive the letter in the mail regarding the closure and that I would not be receiving a new card in the mail. I was furious. I called another customer service rep the following morning who stated that I had a returned payment in XXXX ( due to switching banks, but paid from the correct account immediately once notified ) and then this current incident. Inquired if I could somehow send proof that my SO had sufficient funds in his account at the time of the " insufficient fund '' notice, which the customer service rep stated that would be fine. But of course, my SO has not been able to connect with XXXX customer service to inquire about such a document ... so we have received the letter and cut up our cards at this time.
Consumer complaint received 2020-01-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

I have an unverified account from LVNV FUNDING. I had previously disputed this account. I have never done business with LVNV FUNDING. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LVNV FUNDING provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request LVNV FUNDING Cease and Desist all further communications and collection actives and provide the verification of the purported debt.