davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (CO)

On XX/XX/year> TransUnion told me that there was a ID Verification Lock on my Credit Report and on my wife 's Credit Report. TransUnion told me to send in proof of our ID to : XXXX. We sent in the information on XX/XX/year> and were told that it would take about XXXX XXXX XXXX XXXX XXXX to remove the Lock. We have not heard back from TransUnion so I called customer support and they told me to resend the information and it would be about XXXX XXXX XXXX XXXX XXXX to resolve the problem and TransUnion hung-up on me. 

My main concern is that I have received several emails from TransUnion telling me that IF I sign-up for their account for {$29.00} at month each, all of our Credit Reports and account information will be instantly available but if I just want our Free Credit Report, well they can not provide that until the ID Verification Lock is removed
Consumer complaint received 2022-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AK)

Penny Mac marketing and sales tactics are misleading to consumers. 

In the fall of XXXX, I started working with one of Penny Mac 's most Senior Mortgage Loan Officer on my home refinance. XXXX critical items I was interested in during the refinance were their rates and the ability to make bi-weekly payments. 

The Senior Mortgage Loan Officer assured me Penny Mac allowed bi-weekly payments and that there was no prepayment penalty. 

After my loan closed in XXXX of XXXX, I immediately started making bi-weekly payments. I later discovered all of my payment were being applied as principle only and was incurring late charges. Nothing on the check directed principle only payments. 

I tried to resolve this with Penny Mac who claims they offer a bi-weekly payment service as part of their AutoPay payment service. The words bi-weekly " payment '' was used by the Senior Loan Officer and their complaint specialist. This is misleading to educated consumers. 

Payment as defined by XXXX defines payment as : The fulfillment of a promise ; the performance of an agreement. A delivery of money, or it's equivalent in either specific property or services, by a debtor to a creditor. 

Penny Mac doesn't actually offer a bi-weekly payment plan. They offer a bi-weekly " plan ''. Penny Mac actually holds the bi-weekly payment until the entire mortgage payment amount if received. Holding a payment isn't a payment. I'd like to repeat this point ; holding a customer 's payment isn't a payment. 

The benefits of making bi-weekly payments are erased by this " misleading '' bi-weekly payment process they advertise. I'm aware that Penny Mac is in the business of making profit and certainly not in the business of helping consumers pay off their loans quicker. However, misleading consumers otherwise needs to be stopped. 

Penny Mac treats the " payment '' as less than the full payment. And Penny Mac hold this money until the full " payment '' is received by Penny Mac. Once the full payment amount is received they will then apply the payment as defined by freedictionary.com.
Consumer complaint received 2022-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

A person that i do not know added me as an authorized user on their credit in capital one and has been using my credit in my name since XXXX. I do Not have any knowledge of this account and do not posses a credit card, also was never mailed one to my current address. I do Not have a credit account with this creditor. My credit dropped tremendously because of this. Please help.
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Credit Systems, L.P. (FL)

In accordance with the fair credit reporting act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

South west credit systems ( falsified information and dates, also threatened to sue for old dates ) In accordance of the 1681 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Consumer complaint received 2024-02-29
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. (MN)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (TN)

I send a letter to Experian with several items on XX/XX/2022. I ask for them to delete this items do to me never sign any agreement with such companies. They responded, they will investigate on or before XX/XX/2022. 
After 30 days they concluded that all was verified and no deletion or changes was made to my file. I then proceeded to send an escalation letter and a 609, letter included, I also mention penalties. 
As of today The only deleted total of 3, 1, one being child support. 2 of this items are from The Child Support Agency, this 2 are by far the most harmful to my daily leaving. ( but they deleted 1 ) Escalation letter had a due date of XX/XX/2022. 
I will mark deleted ones on my attached file.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MS)

I made an online automotive part purchase with XXXX XXXX, XXXX. on XX/XX/2020 in the amount of {$26.00} and on XX/XX/2020, I called to see why I have not received the item I paid for and the represenative said that the warehouse made a mistake and that that particular item was " not '' in stock, ( even though it listed as being " in stock '' ), when I purchased it. ( they sent me another part that I did not order ). I ordered a idle air control valve connector ( pigtail ), they sent me a " Light Connector '' The company " has not '' made any credits to my credit card ( discover card ), for the amount in question. So I called Discover Card to dispute the amount ( charge ), but all I got was rude, uncaring, indifferent employees who have done nothing to credit my account for non delivery of item that I purchased online. I know as a consumer I have the " right '' to dispute a charge for a product and or service that is not as advertised, or is malfunctioned, fraud, etc. I also have the right to get either a refund, or a credit ( not a store credit ), issued to the original method of payment when I have proven my claim. Discover card has some very rude employees and should be fired. I don't see how discover card is still in business considering the way I was talked to/treated on the phone on XX/XX/2020. If they talk to all good paying discover card customers the way I was, then they should close up shop.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I have a Home Equity Line of Credit with a {$0.00} balance at XXXX XXXX. On XX/XX/2020, a representative from XXXX XXXX ( named XXXX ) called and stated that my account would be closed. He stated that a form would be sent to me, which would need to be completed to keep the account open. The form was emailed to me but I did not complete the form. For the next 48 hours, I received multiple calls from aggressive sales people claiming to be from XXXX. 

On XX/XX/XXXX, I called XXXX customer service directly to discuss the situation. The representative informed that someone had attempted to open a home mortgage on my account and that my existing account was not scheduled to be closed. The representative also stated that the application for a new loan would be cancelled and that their security team would get back to me to discuss the situation. Thereafter, a letter was mailed and received on XX/XX/XXXX, which showed that a credit inquiry was conducted and sent to Equifax. This was done without my authorization. No one from XXXX has contacted me since these events.
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Discover closed my credit card without indicating any reason, most likely to avoid having to pay out for the significant amount of rewards I have accumulated. By closing my card before the first year promotion, " We'll match all the Miles you've earned at the end of your first year. ", Discover is avoiding having to pay double the rewards. This is a complete switch and bait scam.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (TX)

On XX/XX/2020, I opened Dispute ID XXXX with the fraud department in which I disputed three transactions that were unauthorized. These three transactions included a single purchase from XXXX in the amount of XXXX and two transactions at XXXX  for {$14.00} and {$360.00}. The unauthorized purchases were made on XX/XX/2020. The last valid 9authorized ) purchase before the disputed transaction was at XXXX for {$6.00} and this also occurred on XX/XX/2020. 
On XX/XX/2020, Chime closed dispute without justifying why. Also, on this day, I requested additional documentation showing why Dispute ID XXXX was denied. On XX/XX/2020 I received the additional documentation and it stated that : 1. As per Documents we received card was lost. 
2. With valid card present transaction from ( XXXX XXXX XXXX XXXX XXXX, XXXX, TXUS transaction id : XXXX ) after the last disputed which isnt part of the dispute while the card reported lost. 
3. The approximate travel time from valid card present location ( XXXX XXXX XXXX, XXXX, TX XXXX, XXXX  ) to disputed location ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX  ) is 22 minutes away from each other. 
4. No fraud alert captured by the system. 
I then contacted Chime by email and phone to submit a rebuttal. In my rebuttal I stated that although the transaction for XXXX XXXX XXXX XXXX  XXXX posted on XX/XX/2020, I physically used the card to make the {$6.00} purchase the day before and I believe I lost it soon after, probably while I was at XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/2020, I get an email stating that my claim for Dispute ID XXXX was denied once again for the following reason ( s ) : Base on the dispute form provided, disputed XXXX was lost/stolen. 
Upon investigation, a valid card present transaction happened after the disputed transaction. 
We determine that the disputed transaction is within your vicinity. 
No fraud alert/indication captured by the system. 
No declined transaction/s after the last disputed transaction. 
I insist that the purchase at XXXX XXXX XXXX XXXX XXXX was made on XX/XX/2020 and not on XX/XX/2020 as my credit account has it listed. NO VALID TRANSACTIONS happened after the disputed transactions and my claim was not handled properly. I believe that my claim, Dispute ID XXXX, should have been approved and refunded to my account in question.
Consumer complaint received 2020-01-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX Response to complaint XXXX-XXXX  XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on my credit report.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I've disputed this account with the credit bureaus with no change in the balances over the past 3 months. Most recently XXXX XXXX.Called company ( XX/XX/13, XXXX ) to discuss information on credit report that hasn't been updated in months. Rep stated that the account information was reported on the XXXX of XXXX. As called to check the status of a name change that I submitted via fax XXXX which still hasn't been processed.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-08
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (PA)

I have to date made 6 attempts at trying to resolve having my current payments with Midland Mortgage reflected with the 3 credit bureaus. 

At this point. I have shared multiple times that this is preventing me from getting a new mortgage to purchase a house. 

Additionally, this has stopped me from being able to sell my current property due to not be able to obtain a new mortgage The only viable communication I have received is from XXXX XXXX on XX/XX/XXXX showing that the last reporting to the 3 credit bureaus took place onXX/XX/XXXX, but Midland only reported updates thru XXXX, even though my XXXX and XXXX payments have posted on my mortgage account prior toXX/XX/XXXX 

When I spoke to XXXX, my payments were sitting in Unapplied funds and she explained thats why my credit hasnt updated. XXXX mentioned this is because of a Covid backlog. 

When I asked to speak with someone responsible for updating and reporting my payments to the credit bureau, I was told they wont help you, they dont even answer us At this point Im starting to feel that this is discrimination and their attempt to stall the credit bureau reporting so that I can not start a relationship with another lender. 

XXXX spent many days and hours traveling, my time and money, looking at properties under the belief that Midland was going to update all payments thru XXXX at the end of XXXX. 

I have tried to secure a mortgage with other lenders. But have been declined due to their negligence in reporting. 

XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX*Balance : {$0.00}
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have sent several disputes in the past to have the two accounts reported under Credit Bureau XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX  XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2022-06-12
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-06-14
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: EQUIFAX, INC. (FL)

The Credit Reporting agencies stated that these accounts were properly investigated and verified but this is impossible since all of the agencies are reporting different information. The account numbers, high balance, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore reporting inaccurately. This Constitutes grounds for removal of these accounts.

According to 15 USC {$1600.00} ( 2 ) Exclusions ( a ) ( i ) a " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. So why are these agencies reporting categories such as late payments, high utilization, chargeoffs, and others when then law specifically states that such private transactions and or experiences between a consumer and CRA 's are to be excluded from a consumer 's report? Each forbidden category reported is a violation of my rights.

Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy and that right has been violated.

My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to the credit reporting agencies to furnish these inaccurate accounts and therefore they must be deleted.
Consumer complaint received 2018-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (PA)

I have been making all payments on time but for the last 2 months I have been unable to log in to pay my bill. Website says service unavailable. I'm pretty much at the end of my loan & I can't even log in to see my balance or if I'm getting charged late fees & extra interest all this time. It's very frustrating because I just need to be done with this loan.
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc. (GA)

On XX/XX/XXXX I disputed the the debt attempted to being collected. I have mailed out a letter asking to properly verify the debt showing original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The company has sent over a hand written note stating I owe {$490.00}. This piece of paper does not have a contract with both parties signature agreeing to this debt. Also this piece of paper is not identifiable. It does not state my name or the company name nor does it have my signature on this paper.I was not given a FULL consumer contract with my signature on it. I have attached a letter from my credit report that corresponds with my payment history. i paid my rent through their system called XXXX. My credit corresponds and states that I paid my rent up until XXXX of XXXX. Why am I being charged for XXXX rent. 

This company has NO DATE on the invoice. No COMPANY NAME on invoice. No signature. No contract on this invoice.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

There's 8 unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, until these agencies provide me with physical verification as requested over 90 days ago, all the above should be removed as stated in the FCRA law.