davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-16
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: C&F MORTGAGE CORPORATION (VA)

C & F Mortgage Corporation and/or XXXX XXXX XXXX XXXX  XXXX XXXX, Virginia including all of its officers, employees, agents, assignees, and successors in interest of such loan and/or property deeded to and/or titled to XXXX and XXXX XXXX ( " XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX '' ) XXXX and XXXX as representation of one or more deeds and property of heirship and ownership have been subject to discriminatory conduct since approximatelyXX/XX/XXXX or thereafter under the names of XXXX and XXXX XXXX and prior under the ownership of XXXX XXXX family. ( 1 ) In the year of XX/XX/XXXXthe officer/employee that transferred XXXX XXXX XXXX XXXX property in the approximate year of XX/XX/XXXXXX/XX/XXXX and thereafter on the " XXXX XXXX '' XXXX XXXX XXXX, XXXX XXXX, Virginia under the contracted name of XXXX XXXX XXXX and under the current name XXXX XXXX XXXX failed to notify or provide copies of this consent order, failed to properly identify appropriate parties ( heirs ) and/or failed to obtain proper signatures for a " release '' in this matter. The XXXX XXXX XXXX XXXX XXXX 's hereby certify by Champion Member, XXXX XXXX XXXX XXXX XXXX ) that a release is DENIED. ( 2 ) There is no evidence of such training for the officer/employee referred to and/or identified in documents as obtaining consent or for committing such act. ( 3 )  The release is insufficient as it pertains to the history, legacy, and value of such estate ( s ) of XXXX XXXX XXXX XXXX as well as the heirship ( s ) of the XXXX XXXX XXXX XXXX XXXX 's. Therefore, the XXXX XXXX XXXX XXXX XXXX 's hereby declare that C & F Mortgage Corporation and XXXX XXXX XXXX XXXX XXXX XXXX Virginia as well as their past or present officers, employees, agents, partners, subsidiaries, representatives, assignees, and successors remain liable for ALL claims. and ( XXXX ) The XXXX XXXX XXXX XXXX XXXX 's were not provided access to copies of the consent order entered by the Court in the United States v. C  & F Mortgage Corporation and hereby provide further notice that there will not be a release to C & F Mortgage Corporation for the estate ( s ) of XXXX XXXX XXXX XXXX, XXXX and XXXX  and/or XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-11
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)

Transunion has not investigated account properly and reinvestigation is always the case without a proper investigation. XXXX XXXX XXXX late payments of account # XXXX should not be on my report according to 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2021-04-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

State of Michigan keeps reporting that I haven't made a payment in over 120 days I have disputed it 2xs with experience now and they keep telling me state of Michigan is accurately reporting they are not. State of Michigan has been receiving {$81.00} every 2 weeks for at least the last 5 or 6  months as it comes directly out of my unemployment the most recent was Wednesday XX/XX/2021 that they recieved an {$81.00} payment but still claim nothing is being paid and making my credit go down every month and I can't reach anyone at the state of Michigan
Consumer complaint received 2022-10-08
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. (GA)

in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Secation 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-11-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

On XX/XX/2019 XXXX informed me that my home owner 's insurance would not be renewed as of XX/XX/2019. This because they did not want to pay for roof repairs that they deemed a necessity. That's the best they could do for me after fifteen years of my paying them for coverage. 

After all that, my mortgage servicer ( SPS ) sent me a letter stating that they 'may ' purchase insurance to cover a lapsed period ( XX/XX/19 to XX/XX/19 ), and that they 'may ' charge me for their purchase. Before my XXXX policy expired, I talked to one of SPS 's representatives to let them know that I was searching for replacement insurance. The representative told me that I had time to get the insurance, even after my current insurance expired, I would just have to be timely in letting them know once I had the coverage. I sent proof of my new home owner 's insurance as soon as I purchased it on XX/XX/19. More than a month later I get a letter from SPS saying that they had purchase insurance to cover the lapsed period, after the fact, and that I would have to pay them for their purchase. So, they have added the charge to my mortgage escrow account. That should be illegal. They say that I signed a statement agreeing to keep insurance covering the property. However, they have not provided proof of my signing any such statement, nor have they provided proof that I agreed to pay for any insurance that they 'may ' purchase if I did not keep insurance current. 


Where do these large companies get the idea that they can do something so unreasonable as purchase insurance after the fact, covering a period of time that has long past? I should not be expected to pay for their delayed actions. No doubt they are making plenty of extra money with this practice off the backs of so many of their customers. I just wonder what other tricks do they have up their sleeves to collect money from unsuspecting home owners. I want this charge removed from my account immediately.
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-28
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. (CA)

I sent 3 letters so 1 letter for each bureaus experian XXXX and XXXX in the letter I sent it states that I want proof that the debt supposedly I owe is mine so I'm asking a signed contract with my name on it i want proof if they dont provide the proof witch they are suppose to have then they have to delete it right? I sent my letters back in XX/XX/ 2018 and havent heard any response or updates to my credit report.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

On Thursday XXXX XXXX XXXX until XXXX XXXX I Mr.XXXX.XXXX.XXXX  Contacted experian 25 times trying to have a fraud alert remove and I XXXX  .XXXX. XXXX  follow all the procedures by phone on line in the app and my request was still denied after I answer all the questions correctly I was informed my answer was wrong when in fact all were correct and when I requested a supervisor I was denied the treatment is very rude and the customer is ignored treated like a number instead of person all I wanted was to remove a fraud alert XXXX XXXX completed with no problems XXXX  completed with no problems Yet experian is treating me this way this uncalled for and no one deserves to be treated in this manner for no reason
Consumer complaint received 2023-02-08
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian has failed to report my one of my credit cards current usage. the last update was in XXXX but they have failed to update XXXX and XXXX credit usage. Since utilization is such a big part of your credit profile they are not reporting the correct and current credit usage to one of my credit cards and I have paid the balance down to 0 %.
Consumer complaint received 2019-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (KS)

I contacted Franklin Collections on XX/XX/2019 about an item showing on my credit report. In the phone call, that I have attached to this complaint, I advised the collector that I did not know what this item was for and that it was the result of identity theft. 

Per the brady decission, a collection agency is to record a dispute, regardless of how they receive the dispute, and answer the dispute and mark it as disputed on their credit report. This is further required by the Fair Credit Reporting Act. 

In the call, the collector refused to mark my account as disputed, despite receiving a clear verbal dispute, and demanded I complete paperwork in order to answer the dispute. This requirement is in clear violation of the Brady Decision. Further, because there is paperwork, it seems that this goes beyond just a collector violating the law, but an industry practice on the half of Franklin Collections for which they should be liable for. 

As I clearly outlined the dispute and Franklin Collections engaged in practices to suppress my consumer rights, and they are clearly liable, I have obtained an attorney to pursue a lawsuit against Franklin Collections and the collector individually. 

It is clear that the CFPB should initiate an investigation into this matter as well as an audit of Franklin Collections to ensure they are complying with the law.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have mailed a security freeze request to Experian. 

Here is the : Tracking number XXXX Delivered XX/XX/XXXX, XXXX XXXX XXXX TX It shows that they have received it on XX/XX/2021. I am checking the report now and unlike the other two Credit reporting Agencies, that were sent the request the very same day as Experian, Experian failed to make the update of the information requested.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as SSN and DOB in order for it to appear in your personal credit file. The Credit Bureau has not updated the information and per the new law, true Bankruptcy listed does NOT include this information and should be deleted from my credit report.
Consumer complaint received 2021-04-02
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. (CA)

XXXX  is showing error several error s on my credit report first one is company called XXXX  I've never had XXXX  card or account before dispute several times for it too appear again on my report also shows I have late payments on my XXXX  XXXX card never been late also on my XXXX XXXX shows late never late XXXX  refused too help me.
Consumer complaint received 2019-11-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery Contacted My Boyfriend about a debt I had with XXXX  XXXX over 15 years ago. The debt is for XXXX XXXX They told my boyfriend about how much I owe and asked him to make the payment. The time of the call was XXXX am on XX/XX/2019.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

portfolio recovery associates {$2600.00} i have never done business with this 3rd party and they continue to report past due for 3 years causing much injury to my credit report and livlihood, they have no right to create a debt from an unknown source i have not had credit with in 2018 as showing reported. 

my social security number is not linked to that initial account
Consumer complaint received 2021-03-26
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: GOLDMAN SACHS BANK USA (CA)

Regarding my Apple Card thru Goldman Sachs Bank USA. 
Transaction date : XX/XX/XXXX Merchant : XXXX Disputed amount : {$960.00} Disputed reason : Item not received Dispute closed more than 5 times as " The merchant provided sufficient evidence that you made the purchase '' I have purchased from XXXX during the Covid period. I live in an apartment. 
The shipping company was not able to enter the apartment complex during COVID time so they have dropped the product near one of the apartment entrances ( as per the driver of the shipping company ). 

I tried looking for the product everywhere but unable to find it. I contacted XXXX but they were not able to trace so they told me to contact the shipping company. Shipping company after investigation mentioned package is untraceable. 
I contacted XXXX again for help. They mentioned filing a Police complaint and then contact my credit card to raise a claim. Police have closed the case as untraceable. 

I contacted Apple to file a claim and got the claim filed as well. 
After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' I have never ever told that I did not make the purchase, I made the purchase but never received the product so contacted Apple again. The supervisor acknowledged there is a mistake and then reopened the case. 

Again, After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' Spoke to a manager and she acknowledged there is a mistake and then reopened the case. 
Again, After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' Spoke to a senior manager and she acknowledged there is a mistake and then reopened the case. 
Again, After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' Repeated many times. As of XX/XX/XXXX, I received a email with the same response " The merchant provided sufficient evidence that you made the purchase '' The case has been open for around 9 months now with no answers. 

Apple Card thru Goldman Sachs Bank USA is a very good card until you have a problem. Once you have a problem, you will be left alone. 

They did not contact me for any evidence or proof and take decisions all alone. Apple card disputes team do not work well and customer service members are unable to resolve. 

As I read online, 3 months was the deadline for a dispute to be resolved as per Federal law but my case has been going on for 9 months and the Apple card representative acknowledges that there is a mistake.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

For starters, I tried to fix this initially through Transunions website, but it does not give you an option to dispute their scoring.

Unfortunately, the bureaus and consumer finance is hearing more from me, but all for good but unnecessary reason. My complaint is against Transunion ; They lowered my credit score by 18 points after two negatives came off of my credit and one positive was added ( decrease in balance ). How does the score go down? This is absurd!!. Now, the issue I also have with this was the last time I had to complain about the bureaus scoring, when they made the correction they did not add back the same points that they took away..and no other change had affected my account. I am actually in the process of making a purchase and the financer uses Transunion. I told them what the score was, but soon we will have it officially pulled and what's there now contradicts was their. Now, based on these trends I would like to know what exactly does Consumer Finance do as far as monitoring credit bureau behavior? Are you investigating this scenarios thoroughly, is it happening to a specific type of consumer or persons? Are you seeing trends growing similar to these?
Consumer complaint received 2021-02-10
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. (MO)

On XXXX XXXX I was involved in a head on collision that left the XXXX XXXX XXXX completely totaled. The XXXX was towed to the tow lot while I was rushed to the XXXX XXXX. I called XXXX XXXX XXXX to inform them what happened. They explained to me that the car had Gap Insurance on it and that if it was completely non salvageable that it would be taken of my record. I called the XXXX XXXX lot to check the status of the car they stated it was in the lot still. For 3 mths I was given the run around from XXXX stating their insurance person said it is not salvageable and that they couldn't use it for parts. I called the tow lot to see if I could get my belongings in the car the tow lot supervisor instructed me that I could do a release of property with them. I went to complete the process and was told that XXXX picked up the car. I called XXXX where they stated they hadn't picked it up and than referred me back to XXXX XXXX XXXX. XXXX XXXX Lot stated it was picked up on XXXX XXXX by XXXX. XXXX than stated they picked up it as a REPO, which in their definition a REPO is for Non Payment not due to a accident. My XXXX was still and still is in the XXXX XXXX Lot waiting to be auctioned off. According to the tow lot they can't auction nor go in the car due to it being a XXXX with XXXX and XXXX on the driver and passenger seats. The windshield and back seat having extensive damage. The car is in no shape repairable nor able to have parts sold from it. 
On the credit report XXXX stated it was a natural disaster but on the next line stated it was a Repossession. My car note was due the following week of my accident and when I called to info the lender they stated they hadn't known about it but would know within a few days and appreciated me calling right after it happened and that it would be written off since it was due to a accident and they would send an adjuster to verify the damage. I stated I was going to have my adjuster come out XXXX stated that would be fine but I later found out they sent a request for their adjuster to go out and I was charge for him to go out as well as for XXXX moving the car from the XXXX XXXX to the other parking lot instead of allowing it to sit until I had received my belongings or spoken to both XXXX XXXX and XXXX to find out the next steps in this horrible ordeal. 
The report states a natural disaster and repo it isn't the later part but the natural disaster, I just want this to be solved and me to stop going back in fourth communicating with parties that should've properly document and spoke to me regarding the car situation since it was mine and I had majority belongings and business artifacts in the car.