davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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. (NC)

4th notice for Utilization to be updated to 5 % or below. Congress states Utilization is an experience with the line of credit that was extended between the consumer and the company and financial institutions must provide 3 forms of Disclosures before reporting to Non-affiliated third parties ( CONSUMER REPORTING AGENCIES ). Written Consent MUST BE GIVEN BY CONSUMER TO SHARE THEIR NON-PUBLIC INFORMATION. PLEASE READ LAWS BELOW WHICH YOU ARE IN VIOLATION FOR THE ACCOUNTS BELOW Accounts with Utilization XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Credit Cards fall under 15 USC 1638 Truth and Lending XXXX  has failed to comply with disclosure reqiurements under this law. No reporting should be made until all general disclosure requirements have been met by law. 

THE LAW CLEARLY STATES BELOW 15 USC6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S. Code 1681a - Definitions ; rules of construction Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included in the Consumer Report.

15 U.S. Code 1681a ( 2 ) ( a ) ( I ) - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX response to report transactions experiences late payments to consumer reporting agencies is against the law I have disputed the accuracy of the account, as I have been charged with late payments in XXXX after payments were made setting my utilization over the credit limit to {$410.00}. However such errors wouldn't be reported if XXXX XXXX followed the law and regulations.
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

My husband and I have a loan mortgage with Loancare LLC, loan No. XXXX. We do not have an escrow account ; we pay our own property taxes and insurance. 
There was a lapse on our insurance of about 1 1/2 months, and Loancare though one of the insurance companies that they deal with, provided coverage for those months. 

I, XXXX XXXX XXXX, faxed copy of the insurance, and when I called to ask about the insurance charges on my statement, and I was informed that Loancare never received proof of insurance. I did submit the insurance information one more time. 

Last month, on XX/XX/XXXX, I called Loancare and asked to speak to a supervisor. XXXX XXXX with employee No. XXXX spoke to me, and he told me that because of Covid19, the information on the insurance was not processed, and promised that by XXXX, the adjustments to the account will be made. I refused to pay the additional {$400.00} charged for the insurance for the month of XXXX. Next day, my husband, XXXX XXXX XXXX made the regular payment over the phone, without any additional insurance payment. 

The statement for the month of XXXX was not never adjusted, and we did get a payment request of {$1.00}, XXXX. I called to ask information about my insurance, and the recorded information that I received from the Loancare Insurace Department, was the information of the insurance that I paid for XXXX year, with an expiration of XX/XX/XXXX. 

When I was transferred to the Customer Service Department and I tried to make a payment, the lady who answered the phone refused to accept the payment, unless I pay the whole amount. When I told her that I was going to file a complaint, she accepted the payment, but, she informed me that the payment was not going to applied to my account.
Consumer complaint received 2022-12-16
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (DC)

MY RIGHTS UNDER THE FDCPA AND FCRA HAVE BEEN VIOLATED. 

TRANSWORLD SYSTEMS HAS VIOLATED ALL CEASE AND DESISTS. 

I HAVE REQUESTED SEVERAL DEBT VALIDATIONS AS WELL AS A SIGNED CONTRACT WITH TTRANSWORLD TO COLLECT ON MY RIGHTS UNDER THE FDCPA AND RIGHTS HAVE BEEN VIOLATED. 

TRANSWORLD USED FRAUD AND DECEPTION TO PURSUE AND OBTAIN DEFAULT COLLECTIONS. 

ON XX/XX/2022, TRANSWORLD NOTIFIED ME THAT THEY WERE CLOSING THE ACCOUNT. 

ON XX/XX/2022, SEIZED AN INCOME TAX PAYMENT ILLEGALLY WHICH CAUSED A SEVERE HARDSHIP. I HAVE NO CONTRACT WITH TRANSWORLD SYSTEMS.

TRANSWORLD SYSTEMS HAS ALSO IGNORED THIS ALLEGED DEBT. TO DATE TRANSWORLD HAS NOT PROVIDED ANY DOCUMENTATION BECAUSE THEY CAN NOT.
Consumer complaint received 2022-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control (CA)

The company has filed a collection with credit bureaus for an unknown service that is not mine. I have tried several times to call them, have disputed the collections with collection agencies and have send certified mail to get the invoice that is in question and to resolve the issue with out any response. They do no respond to their phone number that was listed on the credit report nor have they responded to the registered letter I have sent them.
Consumer complaint received 2022-05-18
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: Upgrade, Inc. (NC)

I would first like to start and say that it saddens me that I have to file a complaint so I can be heard from Upgrade. First, I filled a complaint XX/XX/XXXX regarding my past two late payments. As of XX/XX/XXXX, I did get a response from Upgrade granting the removal of the two late payments from XXXX of XXXX, which was done, but only for two weeks unfortunately. I checked my three credit scores on XXXX, XXXX, and XXXX on XX/XX/XXXX. The removal was successful for only XXXX and XXXX. Currently, as of todays date, Ive paid my Upgrade balance in full and currently XXXX states the two late payments were removed successfully, XXXX states I have one late payment on XX/XX/XXXX, and XXXX XXXX I still have two late payments from XXXX XXXX. I still want to do business with Upgrade, but the inaccuracy on my credit report is causing me much distress. Ive already spoke to XXXX and XXXX from Upgrade, which they both stated that my credit report should be reflected accurately by now. I just want to move past this and move forward and continue to do business with Upgrade.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

I used my XXXX card to purchase a large set of shelves online. The shelves arrived defective, I made many attempts directly with the merchant to return the shelves or get a replacement without any progress. I filed dispute # XXXX on XX/XX/2021 with Wells Fargo hoping the merchant would respond. The merchant did not respond to Wells Fargo for return or replacement info concerning my purchase. I have made many calls to my CC Wells Fargo to ask status on the dispute and all they do is followup. 

Per the terms of my credit card the merchant has 45 days to respond to a claim, as of today it is now 55 days and Wells Fargo has not received any info from the merchant. At 45 days after my claim, on XX/XX/2021, the claim should have closed and credit permanently issued to my account. My claim is being mishandled by Wells Fargo. 

See attached to confirm all info above.
Consumer complaint received 2015-07-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery has been calling my home for over 2 years, I have no business with them I already told them the person they are looking for does not live here but they call every day. I have no clue what type of loan it is because I am not the person they are looking for. I selected the options above because the web site wont aloe me to proceed if I do n't select an option but I am not the person they look for.
Consumer complaint received 2024-03-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

I tried to contact the lawyer and the old property owners of the apartment complex. I moved out and the old maintenance guy that was working there was fired he went into my old apartment and stated that he took XXXX bags of trash out the apartment and stated that the walls had holes in them. I was the only person that occupied the apartment. I asked ( the collection agency how they can charge me for something they don't have pictures of, he then argued with me on the phone stating that I put holes in my walls and then hung up the phone ) them how can they do.. I then called the attorney that was in court for rent payment only, but get charged more when it goes to a collection agency.. The apartment complex hired an maintenance that was working with the company before he quit because they ( management ) was doing bogus things on the property and everyone was fired from the company and they sold it
Consumer complaint received 2022-05-18
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: Waypoint Resource Group, LLC (NV)

3rd Attempt : Waypoint Resource Group LLC reported an account to the consumer bureaus before their 45-day policy. Their rep told me of a 7-day processing lag. When calling them out on this, the supervisor assured me that this account would not be reported and provided to me in writing that a request to delete the account from my consumer reports would take place. WRG 's rep stated " Oh, I know what happened '' but did not tell me what happened. After my prior complaint, the XXXX reporting was removed ; but, WRG then reported to XXXX. The same documentation provided prior is included here. WRG, I would like for you to stop reporting this account to the consumer bureaus IMMEDIATELY, per your agreement; or I will take legal action against you for violations of the FCRA and DCPA.
Consumer complaint received 2022-05-18
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. (NY)

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 also states consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

At no point, have I ever authorized any accounts with XXXX XXXX XXXX XXXX XXXX or their debt selling partner, Portfolio Recovery Associates. 

I have repeatedly requested a copy of the original agreement from XXXX XXXX XXXX XXXX XXXX, the ( alleged ) original creditor, as well as Portfolio Recovery Associates ( debt buyer ), proving that alleges that I am responsible for this account. XXXX 's admits that they do not have it on file, which makes me wonder how they could approve a debt sale to a debt buyer without proper legal authority. In this case, that debt buyer is Portfolio Recovery Associates ( PRA ).

PRA also claim they do not have the original authorized agreement either, BUT still have the right to report an amount of ( over ) {$4900.00}, the debt they allege is in my name. They only send copies of XXXX sheets with the status of this account since they acquired it and further refuse to offer the concrete proof that I asked for. 

I say again, at no point, did I authorize XXXX 's or anyone for that matter, to open an account in my name. I ( personally ) did not pay any amount on this account EVER and, obviously, did not sign/authorize the sale of any debts which were created fraudulently using my name/SS #. 

I WANT TO SEE THE ORIGINAL AGREEMENT FROM THE ORIGINAL CREDITOR, NOTHING ELSE! 

If PRA continue to provide false information to the credit reporting agencies, I am going to file a formal complaint to put this falsehood to bed once and for all.
Consumer complaint received 2016-02-16
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

I received a payday loan and prior to the due date of the loan Advance America contacted my wife on her phone line as a reminder to pay on due date. My number is active should of been the only number contacted unless the loan was past due and my wife was contacted as a reference ( as intended when her info was left ). My wife has now received 2 calls from advance america.
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I closed on my home on XX/XX/22 with Navy Federal. I brought up multiple concerns I had with closing costs greatly varying from my final loan estimate that I received before closing and at closing via email, phone, and in-person. Navy Federal refused to acknowledge or correct my concerns. On XX/XX/22, I received a letter giving a post closing lender credit of {$1500.00} due to the errors I had noticed before closing, while this lender credit does help to close the gap between loan estimate and closing disclosure, it doesn't resolve all of the issues. 

The following costs changed from my final loan estimate received on XX/XX/22 to my closing disclosure received XX/XX/22 : My capital contribution for my XXXX and XXXX XXXX XXXX by {$1500.00}, this is what I assume the XX/XX/22 letter was regarding. 
An additional fee of {$150.00} was added " Title - Document Prep '' this fee was not on my loan estimate and since I chose to use Navy Federal Title it is not allowed from being added between loan estimate and closing disclosure. {$150.00} discrepancy My " Title - Lenders Coverage Prem '' increased from {$1900.00} at loan estimate to {$1900.00} at closing disclosure, which is not allowed since I utilized Navy Federal Title. {$18.00} discrepancy My transfer taxes increased from {$4800.00} at loan estimate to {$7100.00} at closing disclosure. This is not allowed to occur since Navy Federal had already reviewed my purchase contract before receiving the final loan estimate. {$2200.00} discrepancy This is a total discrepancy between loan estimate and closing disclosure of {$2400.00} when accounting for the {$1500.00} post closing lender credit already received.
Consumer complaint received 2023-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-12-16
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. (CA)

Hi, i am the living breathing man XXXX. i hereby am filing a formal complaint against XXXX XXXX Credit Card, for violating my consumer rights under the authority of the fair credit reporting act in an extension of credit transaction. XXXX XXXX credit card furnished my non public personal information to EquifaxXXXX XXXX XXXX XXXXXXXX without my written consent which is enforced under the Fair credit reporting act and the Gramm leach Bliley act for my rights to privacy. Furthermore, i would like the inquiry removed from all credit reporting agencies immediately. I am aware my consent is required for such information to be furnished. I do not give consent or power of attorney to act on my behalf to any party above-mentioned. Please take notice XXXX XXXX, XXXX, equifax, and XXXX can be held civilly and criminally liable. This is my good faith attempt to resolve these matters. 

XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved XXXX
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AA Recovery Solutions, Inc. (MI)

Called my employer looking for me and was speaking in a threatening manor and even harassed my employer about my whereabouts. Then continued to call me and I would answer and they would threaten me not give any detail about the alleged debt or contract breach that never happened
Consumer complaint received 2019-01-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX we purchase furniture that we returned and the merchant put the money back into our card. Wells Fargo advised us to wait two business days. I did then we called after two business days and the CSR for Wells Fargo stated they see the refund on the back in it still processing to wait another 3 days so I Did after the third day I called the banker stated that for one reason the refund isnt going into my bank account. They were having a tech issue and that he will make the funds available and contacted supervisor. Same was told due to a tech issue the money is stuck and wont transfer to my acct. they made funds available due to me having to wait and their tech issue. Then on XX/XX/XXXX they reverse it. When I called the bankers gave the the runaround for 4 hours and then when I spoke to the claim manager they stated that the atm debit department closed 30 mins ago and she wont do anything my account it negative and I still havent got paid convinietly the dept is close on the weekends
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.