davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

To Whom it may concern, On XX/XX/19 I received a collection notice from Credit Collection Services claiming I owe them {$670.00}. On XX/XX/19 I sent them a letter requesting certain documentation in reference to there claim. A right I have under the FCRA and an obligation that must be fulfilled in order for the collection agency to continue in there collection process. On XX/XX/19 They sent a copy of a final notice and that was it. This did not address many of my requested documentation. They did not send me any documents showing that I had signed and agreed to pay the alleged amount. They did not show how this amount came to be.They did not provide there info showing there a licensed debt collectors in both FL where I reside and MA where there offices are from. Nor there license number. On XX/XX/19 I wrote a letter in response to there incomplete response basically requesting that they complete submitting the requested documents that I requested or that they drop there claim. On XX/XX/19 they sent a collection letter pretending as if all was complete and they can just proceed with there collection attempt without regard to the FCRA. This as clear act of willful non compliance. I have attached documents supporting all my claims. If you need any info feel free to contact me.
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (TX)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2021-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

My wife and I purchased our first home and closed on XX/XX/2021. The closer, XXXX XXXX, XXXX collected and sent the wrong flood insurance payment to XXXX XXXX corporate. Our local insurance company, quickly rectified the problem by collecting the extra {$600.00}, and re-issuing our Flood insurance declaration to HOMEPOINT FINANCIAL, our mortgage company. Unfortunately, XXXX also has several different insurance declarations for my policy, which is very confusing. 

HOMEPOINT FINANCIAL refuses to acknowledge that we have adequate Flood insurance and is about to make us pay for forced flood insurance, despite many hours of phone calls, emails, and three way communication calls with me, our insurance carrier, and HOMEPOINT FINANCIAL. We have received at least two or three threatening letters per month from HOMEPOINT FINANCIAL, telling us we have insufficient coverage, then sufficient coverage, then insufficient coverage, then sufficient coverage, etc. On my most recent call to HOMEPOINT FINANCIAL last Monday I spoke to XXXX who 3 way called XXXX XXXX, and was emailed the correct updated insurance declaration. XXXX assured me this problem was solved, that she sent and email to the department stating I had adequate flood insurance that that department had received the email and that I was going to receive one final letter stating HOMEPOINT FINANCIAL was cancelling the forced insurance. INSTEAD, I was sent a FINAL NOTICE LETTER, stating I will be charged THOUSANDS OF DOLLARS for FORCED FLOOD INSURANCE that I already have and have always had since we purchased this home. This is an absolute nightmare, I don't know what to do, or who to turn to for help. No matter how many times we contact HOMEPOINT FINANCIAL, or what we send to them, THEY REFUSE TO ACCEPT mine, or XXXX XXXX binding legal flood insurance documents as proof of insurance. HOMEPOINT FINANCIAL seems bent of ILLEGALLY STEALING OUR MONEY. PLEASE PLEASE PLEASE, SOMEBODY HELP US!! Is there any way to prevent HOMEPOINT FINANCIAL FROM STEALING FROM US???
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

Since the CFPB prematurely closed out my previous complaint without reading any of the documents PNC Bank provided, I am submitting this new complaint as a response to the original complaint, XXXX. 

Please see the attached Waiver of Escrow form that shows no acknowledgement of a fee associated with the waiver of escrow nor there a dollar amount given for the not agreed upon waiver of escrow. This is the original document PNC Bank has on file. 

PNC Bank, please note that if you refuse to comply with the original agreed upon terms of my mortgage as shown in the attached document, I will be taking this to XXXX XXXX XXXX XXXX XXXX. There you can pay a lawyer to explain to a overtly consumer friendly judge why you feel you are entitled to charge any fee you wish in accordance with the overly broad language in section 14 of my mortgage contract. Im sure your shareholders will be glad to hear that you expended so much of the companys resources to fight a {$750.00} illegitimate fee you are trying to charge me. 

All the best, XXXX XXXX
Consumer complaint received 2024-03-08
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. (VA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and detected. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction completed by me as a consumer. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Consumer complaint received 2018-07-03
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: AMERICAN EXPRESS COMPANY (AL)

American Express Serve : I haven't been able to withdraw money since Saturday ( XX/XX/XXXX ) ; however, it is showing that an ATM withdrawal was made but the ATM declined my transaction. Also, there are completed charges and pending charges for the same purchases on my account. Every time I call in to rectify the issues, I'm placed on a ridiculous long hold. When I did get through, the call was terminated. I sat on the phone an hour to reach a representative. With a planned trip coming up, I can't access my funds and reach anyone.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent in a police report, Identity Theft Report and proof of my identity, name, address, and Social Security number. Explained which information on my report came from identity theft. And instead of blocking the items, they put them in dispute. When I called in a lady in their fraud department said it is up to the creditors to remove the data, not Transunion which is not true at all!!!
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

XXXX, Equifax, and XXXX  are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine on my consumer report. This debt is not mine and this is illegal and fraud and a result of identity theft which I have been a victim of twice already. I do not owe alleged amount from these fraudulent accounts placed on my consumer report and a company cant just say you owe money and place an item on tri-bureau reports fraudulently and falsely. I have been denied employment twice because of these inaccurate accounts on my consumer report and causing my family and I a high level of emotional distress because we cant move forward. I demand for these accounts to be removed asap.
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (TX)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-08
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. (ND)

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 u.s.c 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 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 an account without my written instructions.. 15 u.s.c 1681 c. ( A ) ( 5 ) section state : 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

XXXX, XXXX, and Transunion are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine on my consumer report. This debt is not mine and this is illegal and fraud and a result of identity theft which I have been a victim of twice already. I do not owe alleged amount from these fraudulent accounts placed on my consumer report and a company cant just say you owe money and place an item on tri-bureau reports fraudulently and falsely. I have been denied employment twice because of these inaccurate accounts on my consumer report and causing my family and I a high level of emotional distress because we cant move forward. I demand for these accounts to be removed asap.
Consumer complaint received 2021-06-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP (NY)

I received a letter from Rausch Sturm about an attempt to collect. I responded to said letter with a request on proof of verification, which has yet to be responded by from Rausch Sturm. I sent the letter by Certified mail, tracking # XXXX XXXX XXXX XXXX XXXX confirming they did in fact receive this on XX/XX/21.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (CA)

Upon noticing inaccuracies in the report, the undersigned took it upon themselves to reach out to the creditor to request validation of the debt, but to their disappointment, the creditor failed to provide any supporting documentation. The concern pertains to the account in question, which is erroneously listed as a late payment account. Therefore, the undersigned insists that the credit bureau provides concrete evidence of this account being late. If such evidence is not forthcoming, they demand the immediate removal of the negative payment status associated with this account from their credit report. The following accounts were always paid on time and are therefore being disputed : XXXX  - XXXX XXXX  XXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2018-07-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent an investigation request to XXXX and Trans Union over two months ago. They were supposed to respond with the results within 30 days, but they have not.
Consumer complaint received 2022-03-21
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: EQUIFAX, INC. (CO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-06-13
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (GA)

My Western Union account was compromised and unauthorized wire transfer was made using my husbands debit card for a joint XXXX XXXX Account. I have since filed a police report and am working with Officer XXXX Badge # XXXX in regards to the charge. The information has been forwarded to Western Union at fax # XXXX-XXXX-XXXX-XXXX Attn : XXXX XXXX. I was a victim of identity theft by a 3rd party and should not be held liable. ( MTCN ) is : XXXX
Consumer complaint received 2019-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

A friend send me XXXX then send XXXX more I try to transfer the money to my bank but Venmo cancel my request then 2 days later they send me a email saying my account was deactivated. I email them back in said what is going on with my money they told me a email to not contact them anymore. I then try to call a supervisor at Venmo. I then call my friend who send me the XXXX to call Venmo to file a complaint about the money he did that. Then someone email me from Venmo in said I can not get any money until 180 days. I have email and message from Venmo and my friend who send me the money thanks.
Consumer complaint received 2018-05-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP (VA)

Honda Financials payoff - I traded in my Honda leased car with XXXX XXXX. the payoff of XXXX was mailed out on XX/XX/XXXX. 
Later that month when I checked if the payoff was posted I saw an outstanding balance for Property tax posted for the amount of XXXX and I paid that off immediately to expedite the payoff process on XX/XX/XXXX. On XX/XX/XXXX my payoff had still not posted and I called customer service and was informed the payoff was short of XXXX dollars which I immediately paid as well. I was told the payoff will now go through in 3 business days.

I called back on XX/XX/XXXX asking why my payoff has still not been posted and was informed someone is still working on it. I called back on XX/XX/XXXX and was told someone is still working on it. I called back today XX/XX/XXXX and am being told the same answer. When I got frustrated the representative tells me this is not affecting my credit in any way. How can I be sure? If I went for a loan today will this balance be on my credit report as outstanding or not? Am i showing late payment for XX/XX/XXXX since the payoff is taking more than a month to go through. I am not given a good or reasonable answer as to why there is a delay in closing my account? All they keep saying for more than 3 weeks is we are reversing and reapplying payments for the payoff. Please advice.
Consumer complaint received 2021-08-23
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. (CO)

XXXX XXXX XXXX has reported inaccurate information on my account ( again ). It is indisputable that the information they furnished is incorrect, because even right now as you are reading this I am still less than 30 days past my XX/XX/XXXX due date. 

As you know, under CDIA 's reporting guidelines data furnishers are not allowed to report late payments to credit bureaus until a customer is at least a FULL 30 days past their due date, and it is illegal for them to knowingly report inaccurate information. I am a very reasonable person and I would understand if this was simply a mistake, but it is impossible for it to have been a mistake since the Metro 2 format does not have an option to report late payments that are only 1-29 days past due. So that means that XXXX XXXX XXXX blatantly and willfully ignored the CDIA 's credit reporting guidelines, which violates the Fair Credit Reporting Act, and NCUA 's UDAAP regulations. XXXX XXXX XXXX wanton disregard for fair and ethical business practices is deeply concerning, this willful misconduct has caused me significant financial injury. Prior to their first erroneous report in XXXX my credit score was XXXX and I had a flawless history, but due to their incorrect report I no longer qualified to refinance my mortgage. That prevented me from being able to lower my APR, eliminate my PMI, and shorten my loan term, which cost me tens of thousands of dollars. 

Obviously this current error is conclusive evidence that XXXX XXXX XXXX willfully violated the Fair Credit Reporting Act and UDAAP regulations, so I plan to request e-OSCAR and report them to : the Federal Trade Commission, the National Credit Union Administration, the Consumer Financial Protection Bureau, the Colorado Attorney General, the Division of Financial Services, and every public business review site. However, my number one my priority is having my credit repaired to the pre-error status, so I will give XXXX XXXX XXXX until XX/XX/2021 to settle this amicably by removing both erroneous late payment reports from all credit bureaus and permanently writing-off the remaining loan balance ( for the financial loss I Incurred ), otherwise on XX/XX/XXXX I will proceed with filing reports to the aforementioned regulatory agencies and possibly file a civil suit.