davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
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. (TX)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX Late Payment {$24000.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$3100.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Collection {$8400.00} XXXXXXXX XXXX  | XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX | XX/XX/2022
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

I applied for a loan modification and the Mortgage company denied my request stating I had sufficient income. I had to withdraw money from my XXXX incurring penalties so I can make my payments. They sent me an appraisal report showing that I 'm under water on my property but have not offered me a better solution. Back in XXXX when I was having financial diffuculties paying I asked for assistance and instead they forced me into foreclosure and bankrupcty. I have just gotten out of bankrupcty and am looking for a modification and they are not willing to work with me, which I do n't understand why.
Consumer complaint received 2024-03-04
Product: Credit 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: CITIBANK, N.A. (WA)

Disputed charge for concert tickets in XXXX- took several months before charge was reversed - letter was sent confirming this, so this is not in dispute any longer, though this was more work than it should have been. In the meantime, interest was accrued and late charges were applied for XXXX, XXXX, XXXX. Called every month and were assured that interest and charges would be reversed, but to-date statements continue to be sent with increasing balances and a collection agency has now started to call. This is distressing for consumers in their XXXX and beginning to affect their health when clearly they did not buy concert tickets in a foreign country. One agent tried to state they would waive the interest and late fees as a courtesy, when it is a regulatory requirement, not something that should be done in courtesy. 

Interest and late charges need to be reversed, and the Sears/CitiBank credit card closed XXXX it has not been used- the only charge was verified as fraud and reversed.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES (WA)

I refinanced my mortgage with Provident Funding ( XXXX ). We filled out the requisite paperwork at close including the instructions to establish autopay on our account immediately. Provident claims they did n't receive the paperwork and I received a notice after the first payment was due indicating that our payment was deliquent and that a {$70.00} late fee would be imposed. Provident is refusing to waive the late fee even though the mistake was made either by Provident or the title company they selected to facilitate the close. It is shameful that they are attempting to earn a fee off of incompetence on their end.
Consumer complaint received 2024-02-02
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-02
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. (PA)

While reviewing a copy of my credit report ( XXXX  ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- XXXX XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

I would like to dispute an item stated as late payment on my consumer report for Discover account and my " closed '' XXXX XXXX XXXX account. 

In accordance with the Fair Credit and Reporting Act, these creditors have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy. 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card accounts under an open end consumer credit plan as late for any purposes. 

Thank you
Consumer complaint received 2016-02-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Shop, Incorporated (TX)

XXXX - On XX/XX/2016, I made an online payment of {$2900.00} to pay my account off. CreditShop 's web site did not show a pending payment and still shows a balance on XX/XX/2016 so I scheduled another {$2900.00} payment. However, went I left the web page and went back in, there was still no schduled payment. I called CreditShop and they confirmed that they were having problems with their online bill pay system. I offered my debit card to make the {$2900.00} payment, they refused as they can only use the bank routing and account number, which I did not have on me. On XX/XX/2016, I called to make the {$2900.00} payment and I was advised that the shows the payment of {$2900.00} pending and that it would be taken that night and the account paid in full. On XX/XX/2016, I called again as there was still a balance and the payment had not posted. Once again I was told that the payment would be posetd that night and account paid off. 

As of today, XX/XX/2016 the accoutn is still not paid off and the {$2900.00} from XX/XX/2016 has still not be applied to my account. My min payment is due on XX/XX/2016.
Consumer complaint received 2024-02-02
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. (PA)

It was founded for XXXX XXXX XXXX who reported on {$330.00} on XX/XX/2023. After investigation it was to be removed from my credit report and Transunion has failed to do so. Please have Transunion remove this from my credit report immediately.
Consumer complaint received 2020-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My Mortgage was transferred to your company in XX/XX/XXXX. I made my payment to XXXX in XXXX and it was returned from them on XX/XX/XXXX. I then immediately made the XXXX and XXXX payment on XX/XX/XXXX after contacting your company. The customer service representative assured me that a late or late charge or negative credit would be reported. I learned in XXXX of XXXX that it a 30 day late shown on my credit report. 
I have contacted Shellpoint Mortgage and the agents agree that it should not have been reported as 30 day late. I have also sent the attached documents to them to support the error. I have gotten no response and this began on the XXXX of XXXX. The agents have assured me it would be removed and it is still showing on my report. I have no response from Shellpoint even after making multiple calls. 
The phone number I was given for a supervisor ( XXXX ) is XXXX the mortgage number is XXXX in the name of XXXX XXXX
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

I have a very old account from XXXX XXXX that keeps reporting the same account information over and over to Equifax, they then report it over and over. The last date real information was reported was XX/XX/XXXX which was paid as agreed, they then keep reporting it over and over, then it stays on my report. Equifax just old me in a phone conversation it would stay on there now until XX/XX/XXXX. Equifax Confirmation Number : XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-02-02
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. (TX)

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.
Consumer complaint received 2024-02-02
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)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated, my federally protected Comsumer rights to privacy and confidentiality under 15 USC1681. 

Account Name : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 section 602 A. Sates I Have the rights to privacy.

15 U.S.C. 1681 selection 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC. (TX)

In XXXX I got a XXXX loan for a XXXX XXXX XXXX XXXX in XXXX Texas called XXXX XXXX XXXX XXXX. I graduated in XXXX and started paying for loan it went into default XX/XX/XXXX. My income taxes were garnished in XXXX and I found out that the loan was paid in full on XX/XX/XXXX. My income tax wages were then continued to be garnished until XXXX. I filed a complaint on my FAFSA account and it was dismissed and closed out the closed case # is XXXX. No one wants to take accountability for this major financial hardship this has caused me financial distress.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've tried to get the credit bureaus to fix my personal information since a year ago, but they are not updating my personal information. I faxed, Called and Sent out letters, they still did not updating anything. Please help me out.
Consumer complaint received 2015-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MT)

I am writing to dispute the status and terms of a student loan I used to have. The is listed on my credit report as XXXX XXXX XXXX by XXXX. It has an account number of XXXX and the associated telephone number is XXXX. The amount is currently listed as {$7300.00}. When I call the number detailed on my credit report, a representative answers with " XXXX XXXX XXXX. '' When I give them my social security number, they have no record of a student loan and they tell me I have to contact the servicer. Yet they are listed on my credit report as the servicer. It is like a circular nightmare. I have no loan of any kind for any reason with a balance at this time. While I did have student loans that XXXX XXXX may have purchased in the past, those loans have since been paid in full to subsequent purchasers. XXXX XXXX is responsible to update the credit reports with accurate information rather than just leave negative things on people 's credit report. Furthermore, a person can not correct this problem if you call the creditor 's number listed on the credit report and they have no record of you ever owing money. It 's a dead end.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC (NY)

On XX/XX/XXXX I initiated an online transfer of {$6600.00} from my account at Flagstar to XXXX XXXX bank. The transfer was approved online. On XX/XX/XXXX I received emails informing me that the transfer wasn't completed and external transfer function on my account was suspended. After a half hour on the phone with them trying to resolve it, I was hung up on. On XX/XX/XXXX I received an email saying transfer function was restored. As of XX/XX/XXXX the money is missing, It is not in my Flagstar account nor in the recipient bank. I have contacted the bank by email and received a generic automated response.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MO)

XXXX and XXXX have been reporting erroneous information thus dropping my credit score more than XXXX points. Starting in XXXX of XXXX I have disputed the problem several times. In XXXX of XXXX my credit report was finally updated however shortly thereafter the wrong information was re-reported. I disputed the situation again and it was corrected but only to report incorrectly again. Each time the wrong info is reported my credit drops by about XXXX points. Not only is the information that is being used dated back to XXXX, there is no bank statement supporting the claim that I have a debt of more than {$15000.00} as they have reported.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Re : Formal Complaint Against Portfolio Recovery Associates To Whom It May Concern, I am writing to lodge a formal complaint against Portfolio Recovery Associates regarding inaccurate information present on my credit report. After thorough review, I have discovered a debt collection entry from Portfolio Recovery that does not pertain to any financial obligation of mine.

It is evident that Portfolio Recovery Associates has violated the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e, which mandates compliance procedures to ensure the accuracy of consumer reports. This erroneous reporting has adversely impacted my credit standing, thereby necessitating immediate action.

Furthermore, it has come to my attention that Portfolio Recovery Associates may have procured my consumer report for resale purposes without fulfilling the requisite disclosure obligations outlined in 15 U.S. Code 1681b. This practice raises concerns regarding the integrity of their operations and underscores the urgency of this complaint. 

I am hereby requesting a thorough investigation into this matter to rectify the inaccuracies on my credit report and to ensure compliance with all relevant laws and regulations. It is imperative that Portfolio Recovery Associates be held accountable for their actions and that appropriate measures are taken to restore the integrity of my credit profile. 

Please acknowledge receipt of this complaint and provide updates regarding the investigation process. I appreciate your attention to this matter and trust that it will be handled with the utmost authenticity and diligence. 

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2024 I recieved me and my husband 's tax refund of {$12000.00} on venmo and so I sent my husband XXXX dollar just to make sure he got it then I sent him {$4000.00} dollars then afterwards my teenage daughter asked me to send her some money and so I sent her a dollar to see if she got it then I tried to send her {$290.00} and it wouldn't go through then I tried to send her {$290.00} and it still wouldn't go through then I recieved a message in red on my account saying my account was suspended to check my email basically for further instructions and so I checked my email and it said my account was suspended for suspicious activity which I don't understand that because my account is verified and so is my husband 's and my daughter has a teen account connected to my venmo account but I called venmo and even the customer service person said that I didn't do anything wrong but that I needed to send in documentation verifying my identity inorder to unfreeze my account which I did while on the phone with the customer service agent then after he verified he recieved the photo of my state identification card front and back he said he was go send my information over to be verified but that it will take them XXXX to XXXX business days to get back to me through email inorder update me about unfreezing my account I just don't understand why do I have to wait so long to have access to my own money when I didn't violate any of venmo 's rules the people I sent money to were associated with my account my husband is my friend on venmo and my daughter has a teen account through my account on venmo I have past due rent I need to pay on top on utilities I can't wait no XXXX  days or longer I need my money now or I won't have a place to stay and no lights gas or water soon it's an emergency I have children and everytime I call to talk to someone they all keep repeating the same thing which isn't helping my situation and even through emails I have tried to talk to someone and get no reply back
Consumer complaint received 2024-02-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Interest rate
Company: Selene Holdings LLC (TX)

My name is XXXX XXXX and I'm XXXX of XXXX XXXX XXXX XXXX. I mailed cashier check to Selene Finance on XX/XX/2024 for XXXX payment. On XX/XX/2024, XXXX from Selene Finance called me and said I was late XXXX payments. I asked XXXX to double check on cashier check that I mailed. XXXX confirmed that Selene Finance received payment but somehow it was not applied to XXXX payment yet. I made payment over the phone with XXXX on XX/XX/2024 for XXXX payment. I checked mail today, XX/XX/2024 and I received XXXX letters from Selene Finance illegally changed interest rate to XXXX % permanently and still haven't applied XXXX payment yet. This is illegal business practice when Selene Finance received XXXX payment and still hasn't applied until now, illegal changed interest rate to XXXX  % permanently.