davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I opened a credit card XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and decided to close it in XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I closed the account, they said the balance was {$130.00} and I paid it right on the spot so it was paid in full and closed. I never heard from them again. 
Now on XXXX XXXX XXXX went and posted a XXXX delinquent on my credit report for {$4.00} this bringing my Transunion credit score down XXXX points, I called them and their answer was after it closed there was small interest due, I told them once I paid you in full and you closed the account you can't go ahead and add interest on a closed account. Now this was closed in XX/XX/XXXX and they just posted this on my credit in XX/XX/XXXX. I am right in the middle of getting a mortgage and if they don't clear this error off my report I will lose the funding, lose the house we are purchasing and ready to close on and have a heap of trouble with the people we are selling our home to, all of this because of a {$4.00} error on their part that they don't want to take responsibility for. I need help or I'm going to lose the houses and thousands of dollars. 

Thank You
Consumer complaint received 2023-01-14
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. (LA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 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, has violated my rights. 

15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A. section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-16
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. (MI)

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXXXXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXXXXXXXXXX XXXX  {$73000.00} ; XXXX XXXX  XXXX Balance {$20000.00} ; XXXX XXXX XXXX {$17000.00} ; XXXX XXXXXXXX Bankruptcy XXXX Dismissed ; XXXX XXXX Bankruptcy XXXX Dismissed ; XXXX XXXX  Bankruptcy XXXX Dismissed ; XXXX XXXX Balance {$17000.00}
Consumer complaint received 2022-12-01
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. (NC)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
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. (NV)

To whom it may concern : I received notice that you verified certain tradelines on my credit report from the following companies : XXXX XXXX XXXX acct # XXXX, XXXX  XXXX bank # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please tell me how you did XXXX.Who did you talk to at the origi al credit grantoror did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address / phone number on my report? The FCRA says you have 15 days and dont give me the generic response of how you various methods. With the person full name you spoke too. 
ALSO WHAT IS THE DATE OF THE COMMENCEMENT OF DELIQUENCY? THE ORIGINAL CREDITOR IS REQUIRED TO GIVE THAT TO YOU.AND WHEN WILL THESE TRADELINES BE PAST REPORTING TIMEFRAME NOT THE GENERIC ANSWER LISTED ON THE LAST RESPONSE.TELL ME SPECIFICALLY AND WHEN WILL THEY BE REMOVED.MAJORITY OF THEM REPORTING CHARGE OFF AS WELL AS BEING INCLUDED AS LATE PAYMENTS .WHICH ONE IS IT?
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Each year the escrow is not covered. They ask for thousands each year to cover. It is supposed to be automatically covered. Our mortgage went from XXXX to about to go to over 1k if we dont pay them another couple grand before XX/XX/XXXX.
Consumer complaint received 2023-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TMX Finance LLC (GA)

Titlemax agents did not present me with the entire contract on XX/XX/XXXX. The agent hid pages on a tablet on the wall while portions of the contract were concealed on a desktop computer that was only visible to the agent. There was no mutual understanding or a meeting of the minds due to the unlicensed agent employee of Titlemax hid while leading me to believe that he displayed all the pages of the contract on the tablet that was visible to me. Which he did not. In addition to other pages, I was never presented the signature page of the contract along with other pages. The original copy I was given after all business had been conducted and I was leaving the location I asked for a copy of the contract. The agent printed a copy and gave it to me. My original contract provided by XXXX XXXX, I learned later was not signed by me or anyone else on XX/XX/2022. 

But somehow title Max is presenting a signed agreement that I can only assume is a forged signature electronically copied from another page and posted on the signature line.
Consumer complaint received 2023-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (GA)

I do not know of any debt with your company. Nor have I signed an contract with your company. 

If this debt is from another company, I have no knowledge of this debt and have not been given written notice to dispute the validity of this debt and get it cleared up if this is a valid debt. 

I am requesting that this collection is removed from all three credit bureaus until we can get this resolved
Consumer complaint received 2023-01-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: WELLS FARGO & COMPANY (TX)

I have had XXXX strokes past year and behind and owe money for school private loans too repay what I owe and past checking account with banks owe to get back on track I am a VA XXXX veteran low monthly income.
Consumer complaint received 2023-01-21
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. (WI)

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 name : 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 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 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

Good evening, I've been trying to remove the PMI on my home since XX/XX/2022. I originally called Amerisave to remove the PMI since I've done extensive renovations to my home. Since it was within a year I was told I needed a new appraisal. I paid Amerisave for an independent appraisal which was completed. My home was purchased for $ XXXX. The new appraisal came in for $ XXXX. I waited to hear back and I was told the request was denied. I didn't understand why so I called and I was told to send in a dispute form. I did so on XX/XX/XXXX and stated the home was recently appraised. I waited again and was told the request was denied. I was told I needed to send in support of the extensive renovations. Even after doing so the request was denied. The area denying the request is the research/request group. I was told to call customer service, but they never seem to understand the reason why I've been denied and there is no way for me to speak to the group denying my request. It is completely frustrating and if it wasn't for my rate being so low I would have refinanced away from Amerisave.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received a letter in the mail from Bank America on XX/XX/2023 asking for reimbursement for a check that was returned unpaid after allegedly cashing or depositing it. 

I dont own a bank account with Bank of America XXXX
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (WI)

My balance fell below threshold for a certain checking account type, and without my knowledge PNC bank started automatically instituting monthly fee. I received no notification that I was going to be charged this and instead only discovered it when closely reviewing my transactions. 

The bank refunded one month but this had been already going on for 6 months
Consumer complaint received 2023-01-20
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. (PA)

I am writing to delete and correct the following information in my file.The items I need deleted are listed in the report. This isn't the first time I reached out pertaining to these fraudulent accounts. I have been a victim of identity theft and did not make the charge or benefit from these fraudulent accounts at all. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Based on, XXXX XXXX XXXX $ XXXX 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, no later than XXXX business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXX XXXX  '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. XXXXA requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im a victim of identity theft. I notified Experian of this unauthorized account that was opened fraudulent. Ive provided Experian with police report in XX/XX/2019. Ive filed several disputes. Experian continues to report fraudulent information on my credit report. The name of this fraudulent account is XXXX XXXX XXXX ( a debt purchaser ) with the amount of {$18000.00}. This company purchased this fraudulent debt from XXXX XXXX XXXX XXXX. This fraudulent account is on my credit report under collections. Ive suffered for XXXX unable to buy a home or get other credits because of this fraudulent debt.
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

PRA ( Portfolio Recovery Associates ) sent me multiple collection letters to which I responded ( via certified mail ) and demanded verification of the alleged debt and they refused to respond to several letters all the while continuing their " collection '' efforts for a debt I don't owe. Then, they filed suit against me and they refuse to even respond to court motions. Approximately 2 months after they filed suit against me, PRA finally got back to me by " responding '' to my previous requests for debt validation with a couple of copies of credit card statements that were totally not correct and were nothing different than the haphazard stuff they filed in court. Additionally, they called me while I was in the bath at XXXX XXXX When I told the guy who called that I didnt think he could call before XXXX, he totally lost it and started yelling at me and said why dont I " learn how to tell time '' and I said I know exactly what time it is because my son was just picked up by the school bus and I was looking at my phone and it said XXXXXXXX XXXX  He then asked where I was and I said I am in the bathroom taking a bath and he called me an XXXX and said " no, what city ''. I said XXXX. Then he lost it on me and said something to the effect that I am too stupid to know that it is XXXX in XXXX Ohio . I told him that I lived in XXXX Missouri, not Ohio and he hung up instantly, didnt apologize or anything. They started sending collection letters early XXXX and filed suit in XX/XX/XXXX ( case is still pending ), didn't serve me with the suit until XXXX and they didn't respond to all of my letters regarding their debt collection until AFTER they filed suit and about a year after I first started sending letters disputing the supposed debt and demanding verification. When I finally received what they called verification, it was vague and incorrect at best.
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NFM, INC (FL)

Applied for CARES act Covid  forbearance on XX/XX/XXXX due to being unemployed due to covid. 1. ) Received approved Covid forbearance agreement dated XXXX XXXX stating suspension of monthly payments for months of XX/XX/XXXX through XX/XX/XXXX with suspension of credit reporting and late fees per XXXX covid  CARES act. 2. ) Received delinquent notice dated XX/XX/XXXX with late fee of {$66.00} from lender NFM XXXX in violation of CARES act covid forbearance agreement. 3. ) Received Mortgage statement showing mortgage reported 30 days late and {$66.00} from lender NFM XXXX in violation of CARES act covid forbearance agreement. 4. ) Called NFM XXXX on XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXX Employee stated there was a " scripting error '' and forbearance was not input into mortgage servicing system XXXX correctly. Stated system " should '' be updated with forbearance being correctly boarding into mortgage system XXXX. Employee stated that I needed to e-mail XXXX for 30 day mortgage late correction. ***Unacceptable that borrower needs to send an e-mail when mortgage lender made an error in violation CARES act covid forbearance guidelines. Need investigation into NFM XXXX procedures/practices as a loan servicer is in violation of XXXX servicing guidelines with covid forbearance on loan.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX  account 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 2023-12-06
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. (TN)

I have been filing disputes on my credit reports because i am a victim of identity theft. I have submitted paperwork and an FTC report in accordance with the FCRA and the disputes are not being filed correctly and the FTC report is not being attached. Also I am not getting copies of the verification process and I have asked for them per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Two separate {$1000.00} principal only payments were sent to the mortgage servicing company on XX/XX/XXXX and XX/XX/XXXX but the company has not applied those payments to reduce the remaining unpaid balance. The company just ignores my concern and will not respond. Send emails on XX/XX/XXXX and XX/XX/XXXX along with written letter mailed on XX/XX/XXXX, but no communication and problem not fixed.