davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

My bank, XXXX, makes my mortgage payment every month and mails a check to the XXXX XXXX XXXX Mr. Cooper. 

Mr. Cooper did not process my payments for XXXX/XXXX/2020 or XXXX/XXXX/2020 and did not contact me until XXXX/XXXX/2020 about unpaid mortgages. 

I immediately reached out to XXXX and confirmed the checks and check numbers which were mailed to Mr. Cooper and which they did not process. 

I have since paid the past due amounts online and will be doing so in the future because Mr. Cooper can not be trusted to make my payments from the checks which were mailed from my bank.
Consumer complaint received 2022-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: First Technology Federal Credit Union (CA)

I normally pay my XXXX  credit card with direct XXXX from my FirstTech checking accound every month. This time I'm having issues with a {$2000.00} transaction. 

When I submitted the transaction FirstTech claims I didn't have enough funds, which doesn't match my transaction statement. XXXX claims First Tech didn't release the funds of this transaction, so they rejected the XXXX. I see that reflected in my transaction history, however FirstTech debited again {$2000.00} that never reached XXXX again, and seems to be lost ( This is my issue, and reason for this claim ). I got an email from XXXX notifying me that the transaction failed. I contacted FirstTech and they claim I should contact BoA what I already did. And was told funds were not released by FirstTech. 

TRANSACTION ID XXXX TRANSACTION ID XXXX TRANSACTION ID XXXX
Consumer complaint received 2022-02-28
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. (IL)

Going over my consumer report I h

ave notice you are reporting two capital one accounts on my report. I demand these accounts to be removed from my consumer report. I id not give you written instruction to report anything on my report so this must be removed ASAP. Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any 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. It is in fact that I am a consumer and did not give you any written permission to furnish these acc
ounts on my consumer report.Which is my reasoning for you all to delete BOTH XXXX XXXXXXXX ACCOUNTS from my report.
Consumer complaint received 2022-02-28
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. (PA)

I disputed the XXXX account with Transunion on the XX/XX/XXXX and XX/XX/XXXX via certified letter. The dispute was never noted on my consumer report. I did not receive a response within 30 days of XX/XX/XXXX. The account was never removed from my consumer report as instructed in either of the certified letters. I want this account removed immediately according to law.
Consumer complaint received 2020-06-11
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. (NY)

I heteby acknowledge that the name of this complaint is being submitted through is ( I ) ) And not a credit repair company or any other entity. After reviewing my current credit report on XXXX. I've notice that TransUnion has once again submitted an account under the name XXXX XXXXXX/XX/XXXX XXXX ; original creditor XXXX XXXX XXXX without notice 5 business days prior to reinserting this account. A violation of FCRA rules section 1681. 

Please see attachment This account has been removed, this account was removed in XX/XX/XXXX, but has been reinserted today XX/XX/XXXX. A violation of FCRA rules.
Consumer complaint received 2020-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (LA)

Didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.
Consumer complaint received 2020-06-11
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: PNC Bank N.A. (MI)

PNC Bank reported a 30-day past due status to the credit bureaus effective XX/XX/XXXX. 

The oversight was due to PNC auto-pay not debiting my monthly payment from my bank account. Upon receiving the PNC late notification in the mail, I immediately made the past due payment. I contacted PNC to explain auto-pay did not work and highlighted that I have been a customer since XXXX ( 13 years ) with a flawless payment record - proof I pay my bills on time. PNC was unwilling to remove the 30-day past due notice from my credit record. 

No reason has been provided for why PNC auto-pay did not work and my impeccable business record over 13 years was not valued enough to make any changes. 

As a result my credit has dropped 40 points and told by PNC it will take 7 years to remove from my credit report. I view this business practice reprehensible and disappointed PNC is unwilling to work with a loyal customer to correct a negative credit entry due to a problem with their auto-pay system.
Consumer complaint received 2022-02-28
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2022-02-28
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. (AZ)

I dispute the information and the credit reporting agencies appear to do nothing but side with the company turning it in. I never even get to view the " proof '' they claim to have. For all I know, there isn't any and the Bureaus just accept it without actually checking the so-called proof.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America over drafted my account XXXX times : attached are the responding withdrawal on XX/XX/2022, money was in fact regarded posted on that same day by XXXX  XXXX and funds became available on XX/XX/2022, i had called bank of America about this charges of {$140.00} successive over charge in {$35.00} to be rescinded because at the time they took the money, XXXX  XXXX posted {$500.00} to the account so there is no reason i should be charged {$140.00} over draft. 

Bank of America had now refuse to issue me the credit of {$140.00} and i am making a complaint about this charges as unfortunately can not afford this fee, i am requesting an intervention on this case Attached at is a pdf on this subsequent charge for over draft that should have be decline in one attempt but was subsequently allowed so i can pay the excessive {$140.00}, the bank should have decline successive overdraft i was incurring that day but decline to and also decline to make a refund when the money was already in the account, there is no reason the bank of America should be able to refund me the excessive {$140.00} in fees they claim i incur when it in fact bank delays between XXXX  XXXX and bank of America, the fault was never mine and i had explained this to the bank but the supervisor refuses to get the money resolved. 
Thank you
Consumer complaint received 2020-08-04
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-06-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (FL)

Chrysler Capital - RR XXXX XXXX XXXX XXXX was sent on XXXX XX/XX/XXXX to pay off the account in full. Not applied. Account is now reporting to the credit bureaus as " XXXX XXXX XXXX XXXX XXXX '', which would mean a 1099 form would be reported to the IRS. This has not happened and a repossession order was sent out instead with a thug identifying himself as an " Investigator '' calling on XX/XX/XXXX, to intimidate, harass and frighten me. ( XXXX at XXXX XXXX EST lasting for 38 seconds ). 

When I called Chrysler today to clear up, they are purporting the account is not balanced to XXXX with the instrument above, and the account is reporting incorrectly to the Credit Bureaus and is allegedly in a " Charge Off '' status as of XX/XX/XXXX. 

They are refusing to extend any COVID 19 assistance or any other assistance whatsoever on this purported debt for which they have STILL not provided me Proper VALIDATION OF DEBT paperwork on - a FDCPA Violation. 

Please help. Thank you Kindly and God Bless.
Consumer complaint received 2022-12-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-06-11
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. (OH)

I was going over my credit file and I seen some addresses that are not accurate. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX I also have an issue with a unverified account from a company that I do not recognize XXXX XXXX XXXX # XXXX I have never done any business with this company. XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. 
me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805.
Consumer complaint received 2023-01-06
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to XXXX and Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XXXX XXXX, XXXX, and to notify them that I am halfway to taking lawful action and litigate XXXX and Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-23
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: EQUIFAX, INC. (AZ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-01-06
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. (NJ)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

At first I let it go, I thought maybe it was my mistake. However I received a Similar value charge the following month on a much lower balance. I have now XXXX photos to Citibank as the rep I spoke to didnt care that I planned to frwrd the matter to the FTC all she would say it that it was, and I quote, system generated. So there isnt someone out there that controls that? Because what it looks like is someone is trying to get a $ XXXX fre every month from me, which they should just be honest about. The closing statement for the first month where I received the extra interest charge was 29 days and the reason for that is because the payments were made separately, so that even the agent argued with me and told me that I only paid a portion. Furthermore, theres a payment made at my bank that hasnt been attributed to anyone that is suspiciously close to the remaining balance and next payment. I havent looked into it yet, but if I do im certain Thats what I will find. Then, the following statement was given 32 days so that it could accrue extra interest. If you look at the statements the due date is before the closing date. So unsatisfactory. I can not believe I have to write in about {$20.00} because they are unfairly earned and the agents are unhelpful by calling it a SYSTEM. And then she claimed that I should JUST KNOW what and when I spent my money in. What if I did not? What if I am the type of person that needs help like that? So obviously you are not providing it or did not even train your agents to think about others like that but to top it all off your system requires me to be a mind reader so there is no way to avoid it if I buy something between certain dates. You should send reminders to people to not make purchases during those times for goodness sakes.
Consumer complaint received 2022-02-28
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. (FL)

I've been tryin to remove incorrect information from my report over a year now. 
I have account XXXX on my report that shows : First of all, the dates of an activity are years apart. XXXX shows XX/XX/XXXX, TransUnion XX/XX/XXXX and XXXX XX/XX/XXXX. Based on above information, one of the dates may be correct, but XXXX  others obviously not. Or maybe all XXXX are incorrect. This information is inaccurate and violates my rights. 
Second, if the dates of a last activity are XXXX and XXXX then how is possible that on XX/XX/XXXX XXXX reported positive activity? 
XXXX did not delete this mistake when I was trying to solve it last year. Instead they asked me to contact creditor. 
I did contact the creditor and haven't received any proving information from them. 
Last time I sent letter to XXXX in XXXX and they haven't responded ( see attached Return Receipt ). 
So now I'm being kicked from one to another wasting my time and nerves. 
I need a help of authorities in this matter. Thank you.
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI (MO)

As a student at XXXX under the GI Bill accrual of fees are paid quarterly. I received notification from General Revenue Corp first week of XXXX in regards to the accrued XXXX fees. I stated to them the account was paid in full on XX/XX/2020. He stated he did not receive notification of any payment, but would verify it. I thought nothing of it because I had the paid invoice in my email as well it being updated on the XXXX site. I received a notification from XXXX that there is a negative impacting report posted on XX/XX/XXXX. The negative report was for collection from General Revenue Corp on behalf of XXXX. My credit was decreased significantly from this false report. When I called them first and stated my issue I was told it is not their problem and they only receive information from their customers monthly and was unable to update the credit reporting until XXXX. I stated again that the account has been paid and has a XXXX   balance since XXXX XX/XX/2020. The rep restated her comments. I called again after my credit dispute returned with no change. The rep stated they made a mistake, but she did it know how to correct it. A manager got involved, but made no guarantees on it being removed from my credit report anytime soon.
Consumer complaint received 2022-02-28
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. (FL)

fiXXXX XXXX XXXX XXXX is reporting a past due account on all three of my credit reports but i have no recollection of this account and it needs to be removed immediately! i have filed a FTC affidavit and have attached it below.
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX has stolen my info. Tried to chase this guy down, but he died before I got resolutions. He lived in XXXXTx at the time I lived inXXXX. I applied and received XXXX from XXXX while this thief was using my social sec number. I tried to contact the Social security adm but was ignored!!! Now he is dead and myife is still being wrecked by his illegal use of my info. Do I have to XXXX  also to be relieved of this XXXX??