davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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. (NC)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (GA)

I was reviewing my credit records and I wanted to get some copies of documents on my account. 

-The account closing date -Balance when account closed -Current reporting status with XXXX- XXXX- XXXX XXXX
Consumer complaint received 2019-02-06
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: Experian Information Solutions Inc. (SC)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (MD)

I am in the process of applying for a mortgage and this is affecting me big time. I have spoke to SEVERAL Customer Service Representatives in regards to my account reporting with a 30 day RECENT late pay. My account was never late and I informed PNC on multiple occasions that I would be on XXXX XXXX from XXXX until XXXX. I asked if they had any way to protect my account while on leave and they told me that since it is a secure card they don't have any card protection they can offer BUT they would notate my account and I would not be accessed any late fees or have any late payments reported. THEY STILL REPORTED MY ACCOUNT LATE AND ASSESSED LATE FEES of {$35.00} on XX/XX/XXXX ; {$35.00} on XX/XX/XXXX ; {$25.00} on XX/XX/XXXX which total {$85.00}. I spoke to a customer service rep on XX/XX/XXXX and she refunded me 1 late fee of {$35.00} and it posted to my account but then they turned right around on XX/XX/XXXX and charged me a late fee of XX/XX/XXXX. I have NEVER been LATE on this account and I even properly communicated my entire situation with giving birth to my son on XX/XX/XXXX and they STILL put a late payment on my credit report when it wasn't even late. Please update all 3 credit bureaus reflecting NO LATE PAYMENTS and my account as PAID AND CURRENT. Refund me the late fees that were posted to my account.
Consumer complaint received 2022-05-01
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)

XXXX XXXX I 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692b ( 4 ) not communicate by post card 15 U.S. Code 1692 ( 2 ) not state thar such consumer owes any debt 15 U.S. Code 1692 ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WY)

Letter from XX/XX/XXXX from Citibank which CFPB helped me with stated that my account was under review for a XXXX. I know there should be a XXXX issued by tax law. 
1. They wrote it off their books in XXXX 2. The balance wrote off was over {$600.00} 3.  No collection activity since XXXX or XXXX. 

I called today ( XX/XX/XXXX ) - the date a XXXX is required by IRS rules to be mailed out by. They have not issued said tax form yet. I am asking your assistance in making sure they do not circumvent the law and issue the tax form as they are required to. I may not know a lot about tax laws, but I do know that much. I also know that once that XXXX is issued, they are to start reporting my balance to the credit bureaus as {$0.00} - both XXXX cards I had have done this once they issued their XXXX forms. Im tired of Citi Bank trying to get around the laws and write their own.
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX/2019 : Company = XXXX XXXX XXXX Company : Left a voicemail Me : Checked online account, noticed late payment. Late payment due to returned check. 
Note : Spoke to XXXX from XXXX. I recorded our conversation. I have payment confirmation emails referred to below and a screenshot of the payment screen. 

Complaint : The website, on the payment screen, says that the payment will be posted the day the payment is submitted and the transfer of funds will be completed within 2 business days. This is also said in the payment confirmation email. I planned accordingly and closed my checking account on the 3rd day. Since the payment was processed post-closing, a return check was resulted. If the bank was able to, at the least, post the payment to my bank account then it would have been fine, because all posted/pending payments were funded when I closed the checking account.
Consumer complaint received 2023-01-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (PA)

I have been out of work since XXXX due to XXXX  XXXX XXXX XXXX XXXX  and only working on just my wife 's income until recently I was approved for XXXX but have been struggling financially. My wife and I have qualified and approved for the Pennsylvania homeowners mortgage assistance fund. The fund started paying our monthly mortgage payments in XXXX of XXXX. Our mortgage was current until XXXX when payments stopped being applied to our account. I have been in contact with both the state and Rocket mortgage since the beginning of XXXX to receive updates. 

I finally spoke to a trained state representative on XX/XX/XXXX who was able to go over how many payments have been sent to Rocket Mortgage. It appears the state has sent 5 payments of {$1500.00} starting XXXX thru XXXX. I then spoke to Rocket Mortgage and gave them the confirmation 5 payments have been sent electronically to Rocket Mortgage who have only processed 2 of those payments so far. 

The representative then advised me they have a very small Department who is responsible for processing these payments nationally and have been behind. I advised the agent our account is now 60 days past approaching 90 days on XX/XX/XXXX and we have been receiving very threatening collection calls from Rocket. I advised Rocket has currently over {$4500.00} in funds sent on my behalf from the state and our account should be current. However due to the incompetence of the department in charge of applying the state payments to my account we are almost 90 days past due. 

I asked her to escalate my concern to have the funds applied to get my account current again. The agent advised me she would escalate but they will not respond as they are very busy. The agent advised me until the funds are applied or I make payments to bring the account current collections will continue and foreclosure will be a danger. 

I want to report Rocket for unethical business practices I find it extremely abusive of Rocket to threaten their customers with taking their homes while acknowledging the fact they have deficiencies processing grant payments made on customers behalf. My wife and I are extremely stressed and our credit impacted, Rocket needs to process the payments sent to them and bring our account current and all late fees removed.
Consumer complaint received 2019-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Couch Conville & Blitt LLC (MS)

Around XX/XX/XXXX, a law firm sent me a notice that I owed {$4100.00} for a credit card debt ( from XXXX ) and that I had 30 days to dispute the claim. I called the firm within the 30 days and told the lady, who said she was recording the call, that I did not owe all of that debt because I had told the credit card company that someone made fraudulent charges on my card and I was not going to pay those charges. The lady with the law firm said, " oh, you want verification of the charges '', and I said yes. She said she would have them sent to me. I said, in the meantime, you are not going to file a judgment on this are you, and she said " no '', not until you verify the debt and what you dispute is not owed. I waited to receive this information but never did. After several months and no more communication from the firm, in XXXX I received a copy of a judgment from the circuit court stating the firm had filed for a default judgment against me. Then they garnished my wages. I NEVER received any validation of this debt. They can not prove they sent me any validation because they did not. I never received anything nor signed anything. If they sent anything, they never sent anything else to ask why I hadn't responded, etc. Nothing. This is in violation of the Fair Debt Collections Practices Act 15 USC 1692g Sec. 809 ( b ). They have collected on a debt I do not fully owe AND they did not send me validation of the debt as I requested. Also, the credit card company should not  have sent the debt to a collection agency after I reported that some of the charges were not mine. I did not hear from them. It was the only credit card company that did not work with me to resolve the issue - just cancelled the account and began collection attempts.
Consumer complaint received 2019-01-31
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 am writing of complaint about Transunion Credit Bureaus failure to delete an inaccurate, adverse account from my credit report. The account I am disputing is XXXX XXXX XXXX associated with account number XXXX. I do not recognize or owe the said balance on this account. The balance listed on this account is INCORRECT. Transunion has also failed to substantiate that the account is mine. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Transunion also has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Transunion has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified. I am requesting that Transunion delete this unverifiable account immediately from my credit report.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. 
The following accounts need to be deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2019-09-17
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. (CA)

During XX/XX/2019, I had my XXXX XXXX XXXX sent to the repair shop, it had common engine cooling issue. I stated this to my bank, ( Santander Consumer USA ), they agreed to lower my payment and work with me, Later on I also got laid off from my previous job, I do have a new job now as of XX/XX/2019. I did not receive any notice to cure or warning. Without my knowledge my car was repossessed XX/XX/2019, early morning, took my personal items, without a courteous warning. They agreed to work with me, if I make a XXXX payment which I did, then completely deny that. I told them it is still having mechanical issues and I also have invoices from the dealer part store and my repair shop. 

Santander Consumer USA XXXX XXXX, Texas
Consumer complaint received 2019-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

When filing paperwork for a home refinance loan, I was advised not to open an escrow account because we owed money to our property taxes from a HERO loan for work done to our home and part of the refinance agreement would be paying off the HERO loan and the property tax bill would subsequently decrease greatly and therefor we wouldn't overpay our loan servicer unnecessarily. Once our refinance loan paid off the HERO loan, I requested the loan servicer pay the next tax bill from our escrow account. The property tax bill is due tomorrow, XX/XX/19. I submitted a written request with my updated/latest tax bill and insurance information as required on XX/XX/19. I called to check in several times and was notified I had submitted all documents properly and that the request would be escalated in order to pay the property taxes in time and to open an escrow account. After not receiving a response by XX/XX/19, I submitted another written request. By XX/XX/19, two weeks prior to the tax bill being due, I called in and asked to speak to a manager, who then told me he was creating a " manager escalation '' and that, again, I had accurately provided all documents requested, and that I'd receive a response in 3 working days. I received the formal response stating this on XX/XX/19. I have tried contacting the customer service and manager numerous times since that date, more than 12 working days past XX/XX/19 and am now going to have to pay the tax bill out of pocket tomorrow, on XX/XX/19.
Consumer complaint received 2023-01-26
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. (NV)

In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( XXXX ) XXXX, TRANSUNION, AND XXXX USES XXXX OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!
Consumer complaint received 2018-04-19
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: Experian Information Solutions Inc. (IL)

I submitted a complaint with all three credit bureaus. I neither never got a response or they concluded with XXXX XXXX XXXX. They didn't do their job with evidence that was provided. XXXX never sent any certify mail or requested that the loan was due or would be a charge off. Also the maturity date of the loan was in 2016 why didn't they ding the credit then. Also XXXX broke the loan agreement because the documents that I'll provide you doesn't mention anything that if that house becomes a 2nd home the loan wont be renewed if not primary. I have file a separate complaint against XXXX  Please review documents attached and other complaint.
Consumer complaint received 2022-09-02
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. (NY)

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. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$9700.00}
Consumer complaint received 2019-01-31
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. (TN)

I have disputed the bankruptcy on my credit reports numerous times, I never have had an active bankruptcy. XXXX, XXXX and Transunion have been saying that they have verified the account as valid but have not provided any proof of verification. I went to bankruptcy court to pay for the official paperwork but I started back working before my court date so the paperwork was never filed but somehow it has popped on my credit report making it very hard for me to qualify on buying a home this year. Please look into this matter and delete this inaccurate information from my credit report as it is a violation to my rights as a credit consumer to have information like this reporting incorrectly. 

Bankruptcy Dismissed - XXXX
Consumer complaint received 2019-01-31
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GMA Investments, LLC (NV)

I have asked Summit Receivables to stop contacting me at my place of work. XXXX XXXX from Summit Receivables stated he was allowed to contact me at my place of employment and asked me to provide him with a reason he was not allowed. I stated he can not contact we at work and place it as a " Do Not Call '' number. He stated he did not have to do so and would continue calling me at work. A woman named " XXXX '' from Summit Receivables is now calling my place of employment. Collectively, they both call my employer every other day for the past 1-2 months and sometimes every weekday. One of the many numbers used by them are ( XXXX ). The payment they are attempting to collect a debt from XXXX XXXX XXXX. 

I initially began a payment arrangement with this company but stopped due to not trusting them with my personal information.
Consumer complaint received 2019-01-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: D2 Management LLC (ME)

I have received calls about said account. Loan was allegedly taken in XX/XX/2010. I was not residing at address on the alleged loan. I also have a sworn affidavit on file with the IRS, involving identity theft. This company has called me from XXXX, XXXX, and other non-working numbers. I have also had a threat of a lien being placed on my vehicle title for this phantom debt. I have been going through a medical situation, and I do not need the added stress of constant harassment from a company collecting on a debt that is over 8 years old, and the parent company is defunct.
Consumer complaint received 2018-04-18
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. (OK)

I have attempted several times with transunion and XXXX XXXX XXXX.XXXX XXXX XXXX, XXXX, ok XXXX. 
act # XXXX- {$1100.00} act # XXXX- {$240.00} i have asked for signed contracts with my signature with this collection agency proving i had a contract with them. Ive requested transunion to show me proof of this info they say they verified. 
I would like both of the above accounts removed from my credit report. 
MY DISPUTER REASON ; NO CONTRACT CONTRACT CANCELLED