davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
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. (TX)

How can I have excellent pay history and yet such poor credit scores by only Transunion and XXXX? The credit scores & remarks given by these 2 credit monitoring agencies do not accurately reflect the proper history of the credit reports. I have not had a delinquent or derogatory account and yet, both Transunion & XXXX cite this as one of the reasons of my low credit score. Transunion and XXXX are bound by the laws of the The Fair Credit Reporting Act to report FAIRLY and ACCURATELY which it has not done and has made no effort in making the necessary adjustments to effect this change. In fact they keep lowering my credit scores and due to their adverse reporting, this has negatively affected my credit report since creditors and lenders often go by scores and summaries put out by these credit monitoring agencies rather than scrutinize the actual details of any one credit report. ( XXXX seems to be the only one that seems to be reasonably correct and they use the same calculating module. )
Consumer complaint received 2019-11-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

I closed on my home on XX/XX/2019 not long after closing I begin to receive phone calls text messages, and a email from the loan manager at U.S. Bank where I received my home loan. First I was told that they didn't know that the property was located in XX/XX/XXXX county, than I was told that the program IDA stopped offering assistance to XX/XX/XXXXcounty in XX/XX/XXXX of this year, but they will honor the {$7500.00} dollar down payment assistance that I received if I sign a new contract agree to all terms and conditions, but everyone has to agree. Then I received a message from the loan manager at U.S. Bank stating that if I don't call her they will be calling my loan which means they will require me to pay off the mortgage in full, because they don't have any legal documentation necessary to keep the loan intact. I asked the loan manager several times for the new contract, but was unsuccessful.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found several late payments this year alone on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (DE)

My American Express reward points ( Membership Rewards ) have been frozen for several months pending a " review '' by AMEX. 

I want AMEX to complete the review immediately or commit to complete it within a reasonable timeframe so I can redeem the points as advertised. 


Whenever I contact AMEX about the issue, their agent say my Membership Rewards account is under review and it will take 6 to 8 weeks for the review to be completed. However the 6 to 8 weeks period has passed and I keep getting told by agents to wait more weeks with no explanation about the delay or a clear timeline. Agents seem to he unempowered to do anything about the issue and unable to put me into direct contact with the actual team doing the review. 

Again, the resolution I'm looking for is I want AMEX to complete the " review '' immediately or commit to complete it within a reasonable timeframe so I can redeem the points as advertised. 

If the AMEX team reviewing my complaint is not empowered to directly resolve my issue, please escalate or transfer this complaint to the team responsible with completing the Membership Rewards account reviews.
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

There have been numerous problems with Ditech ( sending estimates for escrow, calling it actual then changing their story two years later, sending me another consumer 's information, deducting money without authorization but not including it on statements [ that was revealed in one of their replies ] ) but the most recent is they have taken it upon themselves to change the terms of my mortgage agreement. The papers I signed state the payment is due every 30 days. When submitting extra payments this past XXXX, Ditech applied the payment incorrectly, as if it were 2 months ' payment. They claim the account was set up this way. I asked for a copy of the document stating this, they refuse to provide one saying there is no document. The documents I signed clearly state every 30 days, there is no mention of bi-monthly payments. For years, I sent extra payments electronically and never had an issue until this past XXXX. Ditech suddenly claims it is because I sent the payments electronically but that was never an issue before. Before paying electronically, I called them to see how added funds would be applied and was advised they would automatically go toward principal. However, Ditech changed something this past XXXX and began billing bi-monthly. In the end, I could not stand to deal with them any longer, there were just too many issues, and I refinanced. I remain unable to get a straight answer to why payments were suddenly changed recently. Thank you for your time.
Consumer complaint received 2017-07-10
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. (FL)

In XX/XX/XXXX Transunion had deleted several inquiries from my credit report. I have now come to find out upon reviewing my Transunion credit report that the same inquiries that had been deleted have all been reinserted without any notification. Upon further looking into this matter it us my understanding that they did not legally add those inquiries back on. Section 611 under the fair credit reporting act states that anything deleted from my credit report and then reinserted must be notified within 5 days after such action is taken. I never received anything. I have called them and have been told that they can not help me and was told that it was a system error on their part but that it is now fixed. It is my understanding that Transunion did not go about this the legal way which is why I am now submitting this complaint. Please the list below of the inquiries that had been deleted and then added back on. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-08
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Collection Service, Inc. (AR)

I have previously filed a complaint ( XX/XX/19 ) about this company contacting me at work after I asked them not to. On XX/XX/2019, this company had me served with a lawsuit at my place of employment in front of my coworkers and supervisor. I request sanctions.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (NC)

Our direct deposit of {$980.00} on XX/XX/2019 has not been deposited into our navy federal account. The bank is saying the funds are there via post on XXXX and their bank website but ourselves and many others are still not seeing our direct deposits and are getting declined. We all our collecting over draft charges and cant pay our bills because of this. They say the money is now there but it is still not regardless on their post that everything is fixed now.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have request That Transunion do a full investigation on inaccurate information being reported .Since XX/XX/XXXX, Ive sent them letters requesting that all information being reported should be the Same all across the board, example XXXX XXXX XXXX, & Transunion XXXX I have called Transunion and still no help. Information such as my name, date of birth, & also accurate Address, is being wrongfully reported. Per consumer fair credit report law 15 U.S. Code 1681 ( a ) & ( b ), Im asking that Transunion please be fair. I have. 2 Hard inquires on both my XXXX and XXXX, where is Transunion getting such information? {$140000.00}, is my XXXX XXXX XXXX total debt, Transunion is {$140000.00} way higher. Where is this amount coming from? Transunion also has inaccurate payment on my accounts reported. Im asking that I get some sort of reply from them besides they cant not block any information .Im not requesting any information to be blocked but rather report accurate
Consumer complaint received 2017-11-14
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: EQUIFAX, INC. (TX)

I am a victim of identity theft. There are several items listed on my report that do not belong to me. I have tried several times through disputes to have them removed ; yet they are still on my report. XXXX XXXX XXXX remains on XXXX and Equifax report. XXXX remains on XXXX, Equifax and XXXX reports. XXXX XXXX remains on Equifax report. And unauthorized inquiries remains on all three. I have attached my ID Theft form. Please remove these items within four business days as legally obligated under the FCRA. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Dear Legal Department : Re : Acct # XXXX This letter is in regards to a phone call I placed to your company regarding the account listed above. I called to inquire about this account that is listed on my Credit Reports. I spoke to a Customer Service Representative XXXX, and She informed me that your company does not have any information on this account that it was all sent to a collection agency. How did you investigate this account with out any documentation? I contacted the collection agency your rep told me about and they could not validate the debt.
Consumer complaint received 2017-12-29
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. (TX)

On XXXX I sent a document to Equifax Requesting proof that they had verified several accounts on my credit report prior to reporting the information. Since that time I have sent 2 additional requests for this data, which they have not provided. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Please direct Equifax to promptly remove the unverified items from my credit report. 
Thank you very much for your help.
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

NATIONAL CREDIT ADJUSTERS On XX/XX/2021 I Had requested for validation on to a debt collection. Where the company responded to my CFPB case number XXXX XXXX. Where The Director of Nation Credit Adjuster, XXXX XXXX XXXX responded back and submitted a document through CFPB that NCA will investigate the debt and as the original debt to present they validation of contract, and other information that I have requested upon to see if the debt is genuine. 

During the NCA response letter it appears that NCA will continue to damage my credit score and keep trying to collect a debt that can not validate to me XXXX XXXX XXXX wanted more time to investigate but refused to delete the debt from the major credit bureaus where its is Law the FCRA is assigned to show Accuracy and transparent of the debt which NCA has failed to produce. 

XXXX XXXX, It is Law! That you immediately delete the debt from my credit report as per your statement that the company needs more time to investigation and reach out to the original contract. 

By Law You shouldnt have your company damaging my credit score for no reason and try to collect a debt without the proper documentations. Your violations the FCRA now.
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (GA)

XXXX Collections representative XXXX contacted my tenant and stated that she was trying to reach me about a debt I owe American Express. She breached my right of privacy under Federal and State Law by sharing with my tenant the outstanding balance owed and that she was a debt collector trying to collect a debt. She instructed my tenant to have me call her at XXXX XXXX XXXX XXXX, ext. XXXX. This occurred on XX/XX/2019.
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (IL)

I am trying to explain this debt collector over XXXX XXXX and try to dispute this debt by XXXX XXXX XXXX debt owned by LVNV Funding LLC for amount XXXX XXXX They threaten me to sue and not respond with my signature when this debt sold to them without my authorization which is violation under FCRA regulations.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX recd 2 emails from XXXX -2 transactions auto pay did not go thru. XXXX and other XXXX. On XX/XX/XXXX I contacted chase checking I lost my card. They indicated to me would close & resend new card. Did not tell me anything as I had to ask questions on how this works. I asked about ability to receive funds, auto pay was told it would go thru. occuring will go thru ... so why did 2 autopays with XXXX go thru on the XXXX? Funds are available and chase refused to put2 XXXX transactions. Clearly 10 items came in ent thru after XXXX also asked chase if they would contact me if someone uses the debit card after XX/XX/XXXX as they stated I could set up online as I did. I did not receive any warning of the 2 transactions coming in nor a statement indicating the 2 debits even came in & denied! Nothing. Keep in mind since the XXXX, clearly my statement shows 9 transactions came in and went thru. TWO were auto pay ( XXXX  ). came in on the XXXX and cleared. Today XXXX XXXX and XXXX refused to assist and refused to transfer me to a manager, asked for manager to call me-no one called. They had no right to deny XXXX transactions and never provided notice in writing or over phone of autopay not going thru/denie due to lost card. Refused to assist and treated unfairly.See stmt/ltr
Consumer complaint received 2017-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Ive spoken to all three credit bureaus in regards to this matter and to no avail the matter still hasnt been handled. My complaint is in regards to the original creditor selling my debt to a third party and they are both still reporting the debt. First issue is the original creditor closed and sold the debt, yet they are still reporting to all three major credit bureaus and its hurting my credit, second, the third party collection agency are reporting a different open date, they are reporting a different amount than what the original creditor is reporting and they never sent out any proof of debt. By law, per fdcpa I have no obligations to the third party collection agency and I have a right as a consumer to protect myself and my credit. This is unlawful and inhuman to do this to an individual who is having a financially had time and to be reporting the same debt twice is hurting me financially, emotionally and physically. I cant move on with my life with these items constantly reporting to my credit. These items has to be removed from my credit report due to the violation ( s ). I am giving the respective companies 30-days to handle this matter, otherwise I will be forced to move forward legally.
Consumer complaint received 2022-08-11
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. (NJ)

AMID THE INVESTIGATIONS UPON EXPERIAN AND THEM BREAKING FEDERAL LAW AND THEIR OWN POLICY ; per looking at my report I found many accounts reported by them inaccurately. they have federally violated the law by reporting these negative accounts. 
XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX -XXXX XXXXXXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX -XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

THESE NEGATIVE ACCOUNTS WERE REPORTED WITHOUT MY CONSENT AND INFRINGE UPON MY PRIVACY
Consumer complaint received 2021-03-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

On XXXX XX/XX/2021, I received the closing disclosure via email from XXXX. I reviewed the closing disclosure and it had a few discrepancies, based on the original loan terms that I signed back on XXXX XX/XX/2021. I immediately emailed XXXX for an explanation on the discrepancies and he has not returned my emails or calls. I also include his supervisor ( XXXX ) in the email and I havent heard from him either. The tentative closing date is set for XXXX XX/XX/2021 and I would like to get the closing statement fixed. Below are some of the discrepancies that I requested assistance from XXXX and XXXX : 1. The loan amount changed from {$440000.00} to {$440000.00}. 

2. Why do I have to finance {$7600.00}, the escrow? What happened with the credits of my current escrow?

3. The APR changed from 2.251 % to 2.259 %. 

Please see attached supporting documentation.
Consumer complaint received 2021-03-31
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. (FL)

Good evening, Upon checking my credit report i noticed a handful of fraudulent accounts and inquires on my credit report. II have never had any contact with theses banks on my credit report. Also, I noticed my date of birth is incorrect. I was born in XXXX. I was not born in XXXX. I do not know who these account belongs to but it does not belong to me.
Consumer complaint received 2024-02-29
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. (TX)

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 XXXX5 USC 1681.

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.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (NY)

The credit reporting from this company is riddled with changing inaccuracies. In XXXXXXXX XXXX  it reported me as being 30 days late with my XXXX payment. Then in XXXX XXXX it correctly removed the 30 day late on my XXXX payment but replaced it with a 30 day late on my XXXX payment. The in XXXX XXXX it correctly removed the 30 day late on my XXXX payment but both incorrectly put a 30 day late for my XXXX payment AND showed me as owing {$180000.00} -- my original loan amount was {$20000.00} and I owed about {$18000.00} The bottom line, this companies reporting is haywire. I have tried to speak with them to address these numerous, changing inconsistencies but they have been almost as erratic with their customer service. 

For the record, I am paying down a {$20000.00} loan and I have never been 30 days late with a payment.