davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

In XX/XX/XXXX, we applied for a loan modification through our loan servicer which is Loancare. Our loan number is XXXX. We made our trial payments and the permanent modification documents were sent to us in XX/XX/XXXX. We signed and returned them on XX/XX/XXXX. Loancare received and stamped them on XX/XX/XXXX by XXXX XXXX. 

On XX/XX/XXXX, the Order Granting Motion to Approve Permanent Modification was granted ( See attached ) On XX/XX/XXXX, I called Loss Mitigation ( spoke with XXXX at XXXX ) as our billing was still showing that we weren't modified and we were showing past due. She told me to send all supporting documentation to the loss mitigation email address she gave me and I did so at XXXX XXXX. 

On XX/XX/XXXX, I emailed a follow up and copied my attorney asking for all of the information to be updated, late payment fees to be removed, payments to be allocated correctly with the correct interest rate and payment as per the modification, escrow to be adjusted and the like. No response to that either. 

On XX/XX/XXXX, my attorney sent a certified letter stating that this all needed to be corrected. ( see attached letter ). We received a confirmation letter back stating it would be completed On XX/XX/XXXX, I got a printout from Loancare to see if anything had been done to adjust and nothing had. 

On XX/XX/XXXX, I asked for another loan printout to see if it had been corrected and again, nothing. 

XX/XX/XXXX was the 30 days ( excluding the holidays and weekends ) to get it corrected. 

On XX/XX/XXXX, I called and talked to XXXX who stated that XXXX ( the closer ) still hadn't gotten it corrected and didn't know why it was going on so long. She tried to reach out to XXXX but she didn't answer. I asked her to escalate this to resolution. XXXX stated that she was going to send an email to her own supervisor to get to the closing supervisor. Given that no one has corrected to date, I don't have much faith that this is going to be handled anyway. 

We are selling our home and we close on XX/XX/XXXX. We have paid all of our mortgage payments. It is imperative that the interest rate, payments, escrow, and late fees all be corrected ASAP so as to not cause any further issue.
Consumer complaint received 2023-07-17
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. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report ASAP. Thank you. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-19
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. (FL)

I have contacted all 3 credit reporting agencies notifying them that these had inquires listed below are inaccurate and not authorized by me.I have ask over 45 days ago to Please investigate and remove this inquiries from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. I have sent letters via certified mail as it requires prompt attention and response from them to Please forward any documentation that they may have in regards to the removal of this credit inquiries. They are not cooperating and have not removed these inquiries that are affecting me.

XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX 2 Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Consumer complaint received 2022-07-25
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. (IL)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated for account : XXXX XXXX  But how is this possible if the following information has come back inaccurate : ACCOUNT NUMBER, Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide
Consumer complaint received 2022-07-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

President Biden Have placed student loans on a moratorium, Navient has placed all of my loans as late payments which bring my score down on my credit reports. I spoke to someone a Navient and reminded them that Biden has a moratorium on student loans, they apologized but continued their erroneous practices. All student loans should be on a moratorium until XX/XX/2022, and this may possibly be extended. I am up for a government job and may be denied the job due to Navient practices. XX/XX/2022, I have taken a break from school. Navient is reporting that I am more than 90 days past due on my loans!
Consumer complaint received 2022-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

XXXX XXXX XXXX  XXXX XXXX was paid off by myself on XX/XX/2022. 

Related Foreclosure Complaint Dismissed the next business day XX/XX/2022 by XXXX. 

In Florida, in a case Dismissed by the Plaintiff, the Defendant is considered to have prevailed. In such cases, the Plaintiff is not entitled to " Legal, or Attorney, Fees '' from Defendant. 

In this subject case, XXXX XXXX Nationstar Mortgage, d/b/a Mr. Cooper, listed a mere {$200.00} for " Legal Fees '' on the Loan Payoff Statement, but {$26000.00} in " Corporate Advances ''. A subsequent revelation supplied by Nationstar showed that {$25000.00} of that " Corporate Advances '' was actually for " Legal Fees '' after all. 

On its face, this would appear to be deceptive and an attempt at fraudulently " hiding '' improper fees on one line, and listing small, easily repaid fees on another line.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BMW Financial Services NA, LLC (CA)

Dates are XX/XX/2022 and XX/XX/2022 BMW reported lates on my credit report however the information is incorrect. I have contacted BMW Financial services on multiple times in XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022, and to no avail I received no assistance in removing both errors of 30 day lates that do not belong to me that is a blatant error and i have asked their Customer Service to remove however am still waiting. BMW stated that the late is not supposed to be reporting 15 U.S. Code? 1692d-Harassment and abuseAdebtcollector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of adebt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation.15 U.S. Code? 1692e-False or misleading representationsAdebtcollector may not use any false, deceptive, or misleading representation or means in connection with the collection of anydebt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of anydebt. This debt is reporting falsely.15 U.S. Code? 1692f-Unfair practices
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX, someone hacked my Capital One account and made an unauthorized transfer of {$520.00} through XXXX to someone named XXXX XXXX ( XXXX ). I called on the same day to let a capital one representative know that an unauthorized transaction had been made on my account. They filed a claim report and told me I would get a response within 10 business days. They did not restrict further transactions to that particular XXXX account. On XX/XX/XXXX, the same XXXX account XXXX XXXX stole another {$100.00} ( that was all I had in my checking account ) that I had deposited on that same day. On XX/XX/XXXX, Capital one denied my claim for fraud on the {$520.00} and refused to re-open the case even though there was now a second fraudulent claim of {$100.00} on the same account. They instead told me they would review the {$100.00} fraud. I have now lost {$620.00} from a bank that I trusted and have made numerous transactions through without ever complaining about anything. The customer service and the inability of Capital one to protect their customer from not only one but two fraudulent activities on my account has caused me insurmountable distress and stress as to how to pay my rent. I wish Capital One could have reviewed my account more in-depth and figured out that this was an account takeover. I wish the customer service had transferred me to the FRAUD department on XX/XX/XXXX and did everything in their power to protect my hard-earned money. If I had deposited {$1000.00} instead of {$100.00} on XX/XX/XXXX, I would have lost {$1500.00}. Capital One could have avoided such immense collasal loss as a low-income student by going above and beyond to protect my account and they have failed me and put me at great risk for non-payment of rent.
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

I have called the credit bureaus several times in regards to two late payments that are on my credit reports an to resolve the issue but they refused to help with my claim and look further into the matter. I have sent several letters via certified mail to Synchrony Financial Bank/Amazon including one to the CEO of the corporation. I have two late payments being reported on my credit reports from the year XXXX and XXXX due to illness. However, when I was able enough I continued to make on time payments but they refused to reverse the late payments. This is negatively affecting my credit score and I am currently planning to apply for a mortgage, and this come to my attention that the late payments on my records could hurt my ability to qualify. I would like an investigation conducted on this matter and appreciate a resolution and look forward to the positive outcome.
Consumer complaint received 2022-12-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (NM)

XXXX, which is my phone service was hacked. It was all over the news. It was everywhere right afterwards I started receiving notices from this trust asset strategies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Reference # XXXX First thing I did was go to XXXX and showed them the notice they said you know what this is not a stationary. It is because this is part of the fraud thing that happened months ago, you do not owe as a XXXX at the den you {$50.00} per month and your account is current. 
The second thing I did was informed this collection agency of that information and ask them for proof and they said something to the effect of about a XXXX which I do not have XXXX  and never have and as a last I heard, other than getting notices from time to time. 

I have no documentation, no proof nothing and it came from some hacker organization that probably does this every day all day long.
Consumer complaint received 2022-06-11
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: Law Office of Michael J. Scott, PC (TX)

I hired centery debit settlement service because I couldnt catch up my debit so far so good until it came to XXXX XXXX Card from 2016 they made a settlement offer I approved it and then received a document from a law firm referring to me as the defendant and they may realse a judgment and lein i have never been served or taken to court and have no judgment or lein that I can find any records of the document will falsely incriminate me so they can sue Ive tried to contact centery many times by email and phone and they will not even discuss the subject the phone number the law firm is a automated payment line the document is completely false I have more documents than I can upload let me know if you need more look at lines 6 and 7 and signature page all false And no one will return my calls on this matter
Consumer complaint received 2022-06-11
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. (TX)

in accordance with the fair credit reporting act XXXX account # XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Neither my XXXX or I were notified that our XXXX was being transferred to another company. We were never told, before or after, where our money was transferred to. Customer service was XXXX. Never apologized to. Closed my accounts after XXXX years. Wife closed her accounts also. Closed my credit card account and both of hers. Very disappointed in company and how we were treated.
Consumer complaint received 2022-04-05
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. (NY)

From XX/XX/XXXX to XX/XX/XXXX my Transunion credit score dropped XXXX points from XXXX to XXXX. I am a credit customer of Transunion and i immediately checked my credit report. I found nothing derogatory. I called Transunion and spoke with several people they looked at my credit report and no one could provide any kind of answer. I wrote letters to my servicing office and the Transunion corporate office. I received no direct responses other than sending me a copy of my credit report. which i obviously already had. 

what am i to do next? 

thanks XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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 2020-11-02
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. (IL)

XXXX XXXX XXXX  acquired my mortgage from XXXX. In 15 years I have not missed a single payment. As a matter of fact, I don't have any missed payments at all, on any of my accounts. In an effort to fraudulently obtain late fees, XXXX XXXX stopped withdrawing my automatically setup monthly mortgage payments while their portal still showed that payments will be coming out. Company claimed that the last payment was supposed to be mailed in, however they also sent me letters stating that I still owed them " installments '' ( plural ) ( please see attached letters ). Therefore, they used confusing and erroneous records online and in writing to damage my credit report and more importantly to generate late fees. It is a clear UDAAP violation. So on XX/XX/XXXX they sent a letter stating that I was behind on 2 installments while on XX/XX/XXXX they sent me a payoff letter where amount is less than 1 installment. They are clearly trying to defraud me while potentially violating FDCPA ( Federal Debt Collections Practices Act ). 

When I tried to complain and resolve this matter, multiple people hung up on me. It's clear that the company does not have a valid, traceable complaint management process. I finally, after spending many hours, reached their General Counsel. Instead of addressing the issue, I received a call from another contact service agent who refused to fix the problem. However, in 2 weeks I received additional letters stating that they are reviewing my concerns. That's clearly false since the agent said that nothing further will be done. This company is clearly intent on hiding behind many many letters to avoid following the law. 

I demand that my credit report be fixed to report that I have never been past due and that my account was in good standing. 

Thank you
Consumer complaint received 2020-11-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (CA)

MediCredit is calling me using pre-recorded messages on my cell phone and leaving voicemails. I never authorized this. Please read the attached letter. I want medicredit to contact my authorized representative. No lawsuits have been filed as of yet. 

XXXX XXXX XXXX XXXX. XXXX SBN XXXX ) XXXX XXXX XXXX XXXXF XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Consumer complaint received 2020-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Good Day, I am XXXX XXXX XXXX and the reason I am writing to you is complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX and XXXX I worked with an agent of this company to set up the first round of payments to cure my loans from Covid related unemployment. The agent set one payment up without the cents and the company charged A loan off for XXXX when they had an open promise to pay. Thats issue 1.

2 After I made the first and sole of the next/final payments, the company then posted the accounts as open and late and have not updated now 47 days after payment to include status, paid in full, or the month and amount of payments applied. 

3. On XX/XX/XXXX this company reported the charged off loan as a 90 day delinquency when they no longer owned the debt and it was placed in 3rd party on XXXX XXXX in violation of Consumer Protection Acts and FCRA XXXX. 

4. They breached section 16 of their own loan terms for processing charge offs and for reporting any debit related information in timely manners. Their actions on XXXX XXXX is a direct retaliation against my inquiry of the credit report, of them, and pointing out their own material breach making them liable for their own debt. 

5. This company continues to only respond with canned messages and deletes the content of messages that were requested left intact for future litigation. They are actively shredding records.