davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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. (SC)

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. 

ACCOUNT : XXXX XXXX XXXX # XXXX and ACCOUNT XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: M1 Holdings Inc. (FL)

I have been trying to make a payment on my credit card. The payment due date is XX/XX/2023. The payment portal for M1 does not allow you to add a sending account... it displays " No Accounts Available ''. There is no place in their portal/platform to add a paying account to pay my monthly credit card bill. When I call, I can't understand the agents. Last month it worked fine, but it was by phone. She said that she " could see my payment method and use it '' ... but I can't!
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (NC)

My account fell past due & went into collections ; however, I paid the account current and have continued making on-time payments since because I do still owe to payoff the loan. The payments are not late now, but I keep being told that until my account is paid off, then it will remain in collections even though Im current and paying. Ive contacted my local branch, filed a dispute on my credit with them, and also contacted their customer relations and got nowhere. I need help with this. I am trying to turn my credit report around and buy a home and this account shouldnt be in collections when Im paying and current.
Consumer complaint received 2022-12-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (HI)

I have a VA Loan Mortgage with Land Home Financial. On XX/XX/2022 both Land Home Financial and myself received notification of my request for property tax exemption based on my 100 % XXXX from the military. It stated that I would receive 100 % exemption by the City and County of XXXX. I sent copies of that letter to Land Home Financial on XX/XX/2022 along with the property assessment paperwork. On XX/XX/2022, I received from Land Home Financial Tax Division, Escrow Department a letter stating all/adjustments have been completed. Since I didnt receive any adjustment to my mortgage payment, I called Land Home Financial several times , speaking with XXXX XXXX XXXX XXXX a supervisor ), and XXXX from Customer Service XXXX who all asked me to resend all the paperwork regarding my tax exemption. The last time I sent paperwork was XX/XX/2022. At that time I was informed a change would be made within XXXX ( XXXX ) days and I would receive written notification within XXXX ( XXXX ) days. On XX/XX/2022 I received online an Annual Escrow Account Disclosure Statement and Change of Payment Notice. It reflects an increase of property tax payments instead of a decrease as assessed by the City and County of XXXX Property Tax Office. Also received on XX/XX/2022 was a check from the City and County of XXXX a refund check for the Real Property Tax that was paid after the change in exemption status. Now, I dont get any response from Land Home Financial and I am not allowed to speak with anyone outside of Customer Service because their Escrow Department Tax Division does not take calls.
Consumer complaint received 2022-12-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

During Covid19, XX/XX/XXXX I was approved for a forbearance on the VA loan with Freedom Mortgage. 

I took the forbearance for a 12 month period and at the end of the forbearance I communicated with Freedom Mortgage I was ready to accept the VA partial Covid19 Refund Modification I was eligible for. I received the notification I was eligible in XX/XX/XXXX. It was never mailed to me so I called and found out from an associate I was eligible. She said all I had to do over the phone was to agree that I accept the terms while on the phone and they will send me the final paper work by mail that will need to be notarized. This was beginning XX/XX/XXXX. I called again beginning XXXX of XXXX still not having received final paper work. 

I finally received final paper work end of XXXX XXXX XXXX. Scheduled the notary and met with them. We couldn't do the paper work because it was sent in my XXXX 's name. He died XXXX and I inherited the property that is now my residence since. We called Freedom Mortgage while together and the rep apologized and said they would fix that right away with my name and return the paper work. 

I called once every 3-4 weeks after that and still no progress on the paperwork. The rep I spoke with from Freedom Mortgage said to start paying the new outlined modification mortgage P & I starting XX/XX/XXXX and I should be good to go once the paperwork gets to me. Still no paper for months and me calling once a month asking for a time line. 

Sometime this summer Freedom Mortgage now says after months of no progress they now need to make me successor in interest. asking for all the same paper work I sent them in XXXX of my dad 's death and my court signed paper work that I was his representative. So that also drug out through fall sending them paper work I had already sent them and in XX/XX/XXXX they added one new requirement. My birth certificate showing I was related to me dad. 

Now all this time has passed with me following and submitting everything they have asked for and paying the mortgage they told me to pay per the new modification to the loan to find out my home is now in the starting processes of foreclosure. I was told by Freedom Mortgage that I wouldn't have to pay a lump some for qualifying for the refond modification. 

I have done my part and have listened to the associates each step of the way to secure the final paperwork for the modification of the partial VA and the last minute, we need to confirm me as an successor in interest. 14 months Freedom Mortgage has dropped the ball in communication between departments, and to me, Freedom Mortgage now says the original offer Covid19 modification is withdrawn and another process of setting up a new one will disqualify me having the better interest rate now the have come up. 

They messed this whole scenario up by not following through internally.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

Experian reporting my address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX XXXX but my addresses should be either XXXX XXXX XXXX XXXX XXXX, CT XXXX or XXXX XXXX XXXX XXXX XXXX, ct XXXX those are my Addresses. 
Please have that address removed .Also have Experian replace my points they took over XXXX for my car that was paid off XX/XX/2022 XXXX
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (FL)

Limit was lowered from {$4300.00} to {$100.00} on my XXXX XXXX XXXX XXXX credit card, serviced through XXXX XXXX. I checked all the credit bureaus and have had no nee changes or negative impacts. I have had account 12 years and never an issue. They have hurt my credit severely. I have talked to 6 people over two weeks amd they have made no correction.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I need your assistance in eliminating the bankruptcy entry from my credit report, as this is unacceptable. According to the Court, bankruptcy should not be included in my credit history, and there is a lack of assurance on your part regarding accurate reporting.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I wrote letters to XXXX, XXXX, and Experian on XX/XX/22 and XX/XX/22 requesting proof in the form of a statement or detailed payment history proving these accounts were paid late. Per the FCRA all reported accounts must be accurate and verifiable. When requested, verification must be provided within 30 days of receiving the letter. Right now, the bureaus are in violation of the FCRA and are subject to legal action. The attached accounts are the accounts in question.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (VA)

I tried to withdraw cash through the Gemini portal but because there is a second level authorization in place caked XXXX the transation won't go through, Ive written to Gemini via several emails but they fail to fix the problem. XXXXXXXX XXXX XXXX is broken therefore I can't be my money without int
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WASHINGTON FEDERAL BANK (AZ)

In a shout period they cancelled the debit card, saying there was fraudulent charge at XXXX ( out of the blue without asking me about it. ) The fraud customer service group in XXXX was absolutely no help. Then, after the card was finally reinstated and I had contacted everybody who needed auto payments associated with the card XXXX of their ATM machine decided it didnt like a check I was trying to deposit. It ate bth the check and the debit card. After any hours on hold, covering XXXX days, I was told I would have to drive an hour to get a replacement card, and my check might be returned within 90 days! 
I can provide a file with an image of the check stub in needed.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

I opened up a dispute with this company and they sent you a letter back for me and I called the fraud dept and spoke with a nice lady and she transferred me over to a very rude not helpful man who refused to help me and told me that even though they have me in the system under a different address and other different information, they can not help me because the address is not the address they have on file. I explained to him that the letter ( attached on this complaint ) has my real address and I have NEVER lived anywhere else besides XXXX XXXX XXXX for the last 11 years and before that I lived at XXXX XXXX XXXX and he still refused to assist me. I asked for a signature stating that I authorized this credit card. I am totally confused and feel totally disrespected. The point is it is totally takiing a toll on my life and credit. I am XXXX XXXX XXXX and want to move into a retirement home and I promise I have never been late for anything or not paid on a bill that is truly mine.
Consumer complaint received 2023-01-16
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/2019 has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 602A section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Javitch, Block & Rathbone LLC (OH)

I got calls from some place called XXXX XXXX XXXX and they said i had a debt with them. I have never did any business with this company and i told them i wanted the validation of debt. They never did that and they didnt call me back and now has hired an attorney to send threatening letters demanding payment. The attorney also put their company name on the envelope and didnt use the mini miranda in their letter. I want them to cease the collections and to pay for the violations of the FDCPA. Lawyers should be held accountable and they are clearly robo signing documents.
Consumer complaint received 2023-01-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX 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 2019-01-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (CA)

I made the last payment in XXXX then I received a statement that my account was in suspense at that point I called Fay Servicing to ask what that meant. They told me that I owed an additional {$5.00} which had to be wired to them and I was given the address XXXX XXXX Bank the aba number and the account number. I did as instructed waited four days then contacted Fay Servicing to verify that they received the money and what was the next step. I was not able to speak to my loan officer by the name of XXXX XXXX have left several messages for her and have not received and response I have been told that there is still {$73.00} in suspense and no one I have talked to can tell me how to get it payed on my account and my account closed. 
I have also asked to speak to her XXXX XXXX XXXX and received any call back. I was also told to e mail both of then which I have also done and have no reply. I don't know what more I can do to get my account closed. I now feel like a XXXX to this company. 
XXXX XXXX
Consumer complaint received 2023-03-09
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: STATE EMPLOYEES CREDIT UNION (GA)

I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and an erroneous late payment posted on my credit report : STATE EMPLOYEES CREDIT U Account Number : XXXX The company is in clear violation of the law, Under 15 USC 168 1b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( 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 instructions of the consumer to whom it relates.

I DID NOT EXTEND WRITTEN INSTRUCTIONS TO FURNISH THIS ACCOUNT ON MY CREDIT REPORT.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 3 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Moreover, the funds for my mortgage payment were available in my account on the day the mortgage was due, however the bank did not process the mortgage payment the same day the money was available causing a late payment. The automatic payment was processed 1 day after the funds were available. This caused a late payment to be reported on my credit report, and negatively impacted my credit. I have attempted to resolve this with the mortgage company and the credit reporting agencies, with no reasonable consideration to a resolution.
Consumer complaint received 2022-10-02
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. (SC)

I wrote letters to XXXX, TransUnion, and XXXX on XX/XX/22 and XX/XX/22 requesting proof in the form of a statement or detailed payment history proving these accounts were paid late. Per the FCRA all reported accounts must be accurate and verifiable. When requested, verification must be provided within 30 days of receiving the letter. Right now, the bureaus are in violation of the FCRA and are subject to legal action. The attached accounts are the accounts in question.
Consumer complaint received 2023-01-06
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. (IL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

Requesting these accounts to be removed from my report these accounts were opened by someone who had my information. I am a single mom and I want my report to be correct and I do not give permission for these accounts to be on my credit report. Please Delete. 

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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