davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TN)

On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX XXXXXXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX XXXX ( Original XXXX XXXX XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX XXXX XXXXXX/XX/year> : Account number : N/A, Identity theft happened. Remove account.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

I dont have the energy to elaborate on this but they know what they did. 

My first stimulus payment was loaded onto Amex serve by direct deposit and almost immediately, along with the rest of my money on there, used fraudulently. 

The terms of use for serve guarantee no liability for unauthorized transactions, and the law requires them to provide consumers documentation on their disputes process on request. 

Neither their own contract nor the law were respected by this awful company. It has been unloaded to incomm since this happened but it was still under American Expresss ownership de jure when this occurred.
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (IL)

I have unauthorize inquiries I do not recognize. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. I never authorize to run my credit.
Consumer complaint received 2021-05-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (AZ)

I received a total of 12 phone calls on XXXX XX/XX/2021 and the morning of XXXX XX/XX/2021 from Credit Corp Solutions. The company failed to cease calling me after I asked them to cease and desist any/all communication with me. On XXXX XX/XX/2021 they started calling me at XXXX, at which time I asked to speak to a manager at the call center. I spoke to XXXX XXXX and he informed me that they use an automated dialing system to call debtors and that they were looking for someone named XXXX, about whom I have no knowledge. I'd like for this company to stop harassing me, my family members, and anyone associated with me.
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (IL)

Respected Sir/Madam I Send the the money to my brother XXXX XXXX he live in XXXX the money transfer company name ( Remitly money Transfer ) they said that payment is transfer to my brother account but they lie to us also they did not give the proof of the transfer to his account i already send them my brother bank statement to Remitly transfer company then they decided to locate the money but since XXXX XXXX to XXXX they did not send me any confirmation to me and also not my brother. my brother go to the bank and talk with the bank employee and bank employee said that there is no money come from this money transfer company at all. Remitly transfer company give me the reference no ( XXXX ) and they also give me the ( UTN # XXXX ) but bank in XXXX track those numbers they did not received any money so amount is {$650.00} and the fee is {$1.00} they took that amount from my account from XXXX XXXX now they did not retun that money to me please follow up with them and update me and ask them to send the money back to my account. 
Thanks XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

DEAR XXXX, XXXX AND TRANSUNION, THE INACCURATE INFORMATION ON MY CONSUMER REPORT THAT I HAVE BEEN DISPUTING WITH YOUR COMPANY KEEPS COMING BACK " VERIFIED '' OR " UPDATED ''. EVERYTHING VERIFIED SHOULD BE UNDER OATH!!!! I HEREBY DEMAND YOUR COMPANY TO PROVIDE ME UNDER PENALTIES OF PERJURY PURSUANT TO 28 USC 1746 WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE NAMES AND ADDRESSES OF THE PERSONS WHO YOU'VE DONE THE RE-INVESTIGATION WITH INCLUDING EXACT TIME AND DATES THE INVESTIGATIVE REPORT WAS DONE. PLEASE BE ADVISED FAILURE TO COMPLY WITH MY REQUEST SHALL PUT YOUR COMPANY IN LEGAL TROUBLE XXXX, XXXX XXXX ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me XXXX distress. Please rectify this error swiftly.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

They took me through so much they denied me at first them finally approved my claim XX/XX/XXXX I was told that once it was approved I would have my funds now here we are its approved and I still dont have anything in my account but the Definitely made sure that they took out their adjustment credit fees I need my funds now and dont have them all they have to do is send me my funds and they still have yet to send me my money back to my account this has been my worst nightmare I have until XX/XX/2021 to pay my bill and still do t have my funds and not ton mention I was told that I could not get another card until my balance was brought back up to a positive balance all because One of the agents said that they seen a positive balance in my account back in XXXX and try to re-issue me another card and it not only denied her but it also close my car so now I have to wait until my balance comes back up to a positive to get another card this is ridiculous and very incompetent
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( on time ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General. 

XXXX XXXX : Account number : XXXX, My identity was stolen. Block this account. 
XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, My identity was stolen. Block this account. 
XXXX XXXX XXXX : Account number : N/A, My identity was stolen. Block this account. 
XXXX XXXX XXXX  : Account number : N/A, My identity was stolen. Block this account.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

I had a mortage with XXXX for years. XXXX XXXX, they transfered the loan to XXXX mortage co. After a year with XXXX XXXX Ditech bought them out. 2 weeks before loan transfered to Ditech I made a payment of {$5800.00} to XXXX on XXXX XXXX, XXXX. This brought the loan current and a little over. When Ditech started billing me on XXXX XXXX. XXXX they billed me for the {$5800.00} that seamed to have gone missing. I should have started with a clean slate with Ditech. I have been on time and current with every payment since XXXX and refuse to pay the lost money. As a matter of fact, I over pay every month by {$50.00}. I called dozens of time to clear this up and was always assured this would be looked into. I have tried to follow up, left messages and talked to new people again telling me it would be looked into. Not ONE person has called back. The last person I talked to at Ditech XXXX XXXX XXXX told me my account was so messed up he could n't make heads or tails out of it.That was a month ago. Ditech has also been holding checks for up to 2 weeks making sure myself and others go past the due date so they can collect late fees. If the bank sends my check the XXXX of the month and Ditech get it the XXXX, why would they hold it until the XXXX, ( day after due date ) to cash it? This has become a common practice for everyone involved with them. They only take personal and cashier checks, no electronic payments, that enables them to cheat people out of their money.
Consumer complaint received 2015-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc. (LA)

I recieve atleast XXXX calls and voice message alerts everyday from this agency to collect a debt for a cell phone bill. Even after I speak with an Agent I still receieve calls all day long. When I ask the agency they say that its their automated system. They say the automated systems calls XXXX times a day. The agency calls me from many different numbers some of which include XXXX, XXXX, XXXX, XXXX ... etc
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I tried to solve my credit problems with the credit bureaus, because they are reporting inaccurate information that is affecting my credit score. I have Inquiries that I didn't authorized, and negative accounts that should not be there.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MO)

I made a mortgage payment in XXXX XXXX for the wrong amount. I received a notice that I was late and the payment I made was in the suspense account. On XXXX/XXXX/XXXX I sent the correct amount and sent them a note on their web site to return the {$810.00} in the suspense account. I have called them many times and was told they would sent the funds back to me. 
I received a letter today stating they could not send the {$810.00} back. Checked my account and on XXXX/XXXX/XXXX when they applied the payment the balance was XXXX On my XXXX XXXX statement shows I am owing over XXXX then the XXXX XXXX statement shows over XXXX in the suspense fund. On the payment history on the DiTech page it show my balance went up to XXXX. I called and asked for a correct statement for how the funds were applied and was told to look at my statements. Also it is not possible to refund the XXXX. Also the letter I received to day says only XXXX was applied to principle, what happen to the other XXXX? If I go by the statements I was charged 2 more months of late fees. I need you to send someone to audit the loan.
Consumer complaint received 2024-03-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PNC Bank N.A. (NC)

I have been attempting to assume my mortgage for a year following a divorce. I nearly completed the assumption process with my lender when my mortgage was sold to PNC. I started the assumption process with PNC the first week of XXXX, 2023. I did not receive a packet of information until the end of XXXX, and I have not submitted an official application for the loan yet. 

I was recently laid off, so I contacted PNC to understand my options. The representative told me that it would not get approved, and she recommended canceling the application for assumption to restart once I secure another job. She told me that the process would start back at square one, and I would have to pay the {$150.00} fee for application a second time. 

I asked if is was possible for me to get approved now, and she directly told me no, which I understand is something only the underwriters can determine. She also told me that because I reached out to PNC to inform them of my layoff, I essentially tied their hands. She mentioned that i just should have kept going with the process without informing PNC of the layoff- which I understand is considered mortgage fraud. I am concerned that the representative was alluding to this option in our conversation. 

The representative told me multiple times that she was new to the assumptions department, and when I asked to speak with someone else she said anyone would tell me the same thing. She attempted to get someone else on the line, but returned after 30 seconds saying everyone was busy. She told me she could " put an incomplete on it '' but that I would have to remind her to do it every 15 days. 

I can provide more information on my specific circumstances ; however, the timeline of this process is not acceptable, and the lack of support and consistent/ legal information from the representative at PNC is concerning.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Prior to XXXX I had Impeccable Payment history 800 credit score, I value being a financial responsible client/consumer. However, during XXXX I suffered from a major hardship, I had great death in my family I lost my former husband, who at the time was my primary source of income. I also was laid off my Job due to major cutbacks. Being a Widowed wife and a mother XXXX XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX XXXX  XXXX XXXX  XXXX in reference to 2 Accounts that I had at the time with them. ( XXXX & XXXX ) and requested Hardship options, I agreed to do a settlement with lender account was paid. I was informed me that account would be kept current, no late payments will be reported due to me agreeing to settle account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that creditor remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditor adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amends Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts still remain the same inaccurately Late Payment history.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have reached Transunion Credit Bureau several times to dispute incorrect information for an account on my credit report for account XXXX XXXX. I told them several times that the information is incorrect for the account remarks/status. XXXX XXXX  on my credit report is showing XXXX XXXX Wage Earn Payment Plan Account. It needs to say discharged under XXXX  XXXX bankruptcy. I have called XXXX XXXX and they tell me it is a Transunion problem.
Consumer complaint received 2021-02-24
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)

I pulled my credit reports and found inquiries I did not authorize. I never applied for a house or an automobile in XX/XX/XXXX. I purchased my only car with cash in XX/XX/2019. I have not applied for any type of credit so there should be XXXX inquires on my credit reports. It seems as someone is trying to use my identity to purchase items. 

These inquires were not authorized nor did I ever fill out any applications to obtain credit to any of these companies XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-02-24
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: EQUIFAX, INC. (FL)

I pulled my credit reports and found inquiries I did not authorize. I never applied for a house or an automobile in XX/XX/XXXX. I purchased my only car with cash in XX/XX/2019. I have not applied for any type of credit so there should be XXXX inquires on my credit reports. It seems as someone is trying to use my identity to purchase items. 

These inquires were not authorized nor did I ever fill out any applications to obtain credit to any of these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I received a real estate tax bill from my county taxing authority. I called my lender/servicer PennyMac and emailed them a copy of the delinquent tax bill. For 38 days they have not been responsive. I've provided a fresh tax certification to which they still refuse to pay my taxes that are due. I'm facing sherrif 's sale because of PennyMac 's dereliction of servicing duties. two of the CSRs at PennyMac have laughed at me. Time is of the essence. I need someone to stand on their necks a bit.. 

Thank you, XXXX XXXX XXXX XXXX.