davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (NJ)

Please note this company is violating the law and operating illegally. They have broken the following laws mentioned below : 2C:21-19 Wrongful credit practices and related offenses.

17:15A-47 Prohibitions for licensees. 

As a New Jersey resident, these laws need to be followed. This company is unlicensed to operate in Alaska and NJ. They are also operating as an illegal rent a tribe company which is a common scheme amongst tribal loan companies. In New Jersey, the 30 % usury limit is well within an affordable range for most consumers, making the traditional payday lending trap illegal. MINTO MONEYS loan agreement is unenforceable in state courts, including New Jerseys. They need a specific lending license to operate in each state, and this tribal lender doesnt have a license to operate in the state of NJ. As a result, they cant sue me in a court that has any authority to garnish my wages or force me to pay. MINTO MONEY is illegally charging me 701.59 % in interest which I did not agree to. The max cap is 30 % which they did not abide by. 

NJ enforces the statutes that protect consumers against predatory lenders. The New Jersey payday loan / tribal loan laws are much more restrictive than the regulations in other parts of the country. Theyre one of only 16 states that have banned the practice outright via reasonable rate caps. Fortunately, there are laws aimed at protecting borrowers against loan sharks and other predatory lenders. 

These laws cap interest rates, ban discriminatory practices, and even outlaw some types of lending. New Jersey notes that tribal lenders are not exempt from state laws relative to lending including rate caps and that any exemption for tribal sovereignty only governs loans issued on tribal land, rather than loans issued over the internet. They take advantage of people like me in desperation for financial assistance. 

I also never gave them authorization to take debit card payments from my account or ACH. I would call in the payments and they proceeded to charge my debit card without my consent. 


Link to MINTO LOAN class action lawsuit : XXXX XXXX XXXX  The faux tribal payday lending model has always been based on the mistaken belief that payday lenders could evade state laws by hiding behind Native American tribes. The Supreme Court has long made clear that tribes must obey state law when they operate off reservation, and that is true of online tribal payday lenders as well. This decision follows the path laid out by the Supreme Court in a 2014 decision showing how to enforce state law against purportedly tribal entities. 


There is a class action suit against them for A. not being licensed in AK, B. not being licensed ANYWHERE, and C. lying about even being affiliated with a tribe. They should be ashamed of themselves for lying and stealing from desperate people who need money to make ends meet.
Consumer complaint received 2022-12-01
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. (MO)

I have been requesting that you correct my Credit File from reporting erroneous information and yet you have failed to do so. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}. You claim that these accounts are verified and yet you have not sent me any copies of proof of verification from your investigation which is a clear violation of my consumer rights.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Consumer complaint received 2022-11-30
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. (CT)

According to both Transunion and XXXX, the credit card provider, XXXX XXXX, has not updated either credit bureau with accurate balance and payment information since XXXX of 2022. The existing balance is adversely affecting my credit score. The current balance on this card is {$1.00} ( XXXX Dollar and XXXX Cents ). I requested that the company update both credit bureaus and received the following email : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX  Sent : Wednesday, XX/XX/2022, XXXX PM ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID : XXXX I ' m with XXXX XXXX, which handles your XXXX  account. This card is issued by XXXX XXXX  pursuant to a license from XXXX XXXX XXXX. I'm here to help with your account needs. 

We recognize that you've recently made a payment, but it is not reported to the credit bureaus. I understand how this can be frustrating for you. 
Because of a recent system update, we are not reporting account updates to credit bureaus while our processes get aligned for accuracy. We have our customers ' best interest in mind, and will soon resume our standard practice of providing updated account information to the consumer reporting agencies with each account billing. 

On behalf of the bank, I apologize for the inconvenience. 

If you have any questions, please click the reply button. 


Sincerely, XXXX.A Internet Customer Care Team -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The balance they last reported represents XXXX XXXX of my total credit line and is causing irreparable damage to my credit score prohibiting me from securing new credit lines at the best possible rates. 

I have filed disputes with both XXXX and Transunion. 

The inaction of this company to rectify this situation, and to provide such a trite response with no offer of resolution to the damage they are causing is egregious. And the financial damage they are inflicting to me is certainly affecting other consumers as well and could be basis for a class action or other punitive damages. 

I would like this company to rectify my credit reporting immediately, and I urge the CFPB to investigate other consumers that are suffering the same damages.
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have received several refund checks from the overdraft fee class action ( Morris v. Bank of America ). I no longer have a bank account with Bank of America due to them imposing outrageous and numerous overdraft fees. I went to go cash a check for {$32.00} that was sent to me due to the result of this lawsuit and was told I had to pay an {$8.00} check cashing fee in order to cash the check since I was not a current customer. 
Bank of America time/location where I tried to cash the check : XX/XX/2022 Around XXXX XXXX. 

Bank of America XXXX XXXX XXXX XXXX XXXX, NC XXXX My complaint is that I should not have to pay a check cashing fee for money that is being refunded due the result of a lawsuit. 
Lawsuit : Bank of America, NA ( BANA ) is paying {$75.00} million to settle a class action alleging that it improperly charged insufficient or non-sufficient funds fees ( and/or overdraft fees ) involving the timing of actions in several situations, including for Retry Transaction Fees, for Intrabank Transaction Fees, and for Fee Accrual Claim Fees. The complaint alleged the bank breached its customer agreements and violated state consumer protection laws. 

Docket Number : XXXX I should not have to pay these fees because they would have never had to pay fees to access the money being refunded had they not violated their costumer agreements and state consumer protection laws. 
Consumers receiving settlement checks are not getting the full balance owed to them since they charge {$8.00} to cash it. They are defrauding the customers who have already been a victim of Bank of Americas schemes by charging the customer fees to access the funds they took illegally in the first place. 
Its like they couldnt get stand to do the right thing and give people their money back free of charge, they had to get SOMETHING. 
This is absolutely unethical. This is causing more problems on top of the ones they created a couple years ago when this was happening. I stayed on the phone with these people constantly when banking with them about their ridiculous overdraft fees. Now you cant contact customer service without having an account. Theres absolutely now way to speak with a human without providing account information which makes it literally impossible if you do not have an account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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: DISCOVER BANK (AR)

I had my identity stolen and submitted a police report to the XXXX, XXXX and XXXX. I noticed there are hard inquiries on my reports that i did not authorized. If there are accounts attached to these inquiries they are fraudulent as well and also need removed.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency.

The incorrect details are as follows:

XX/XX/XXXX****, INQUIRYXX/XX/XXXX- XX/XX/XXXX 

The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial wellbeing. I believe it is crucial to rectify these errors promptly.
I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my
claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to: Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act (FCRA), it is your responsibility to ensure the accuracy of the information you maintain and report.

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (TN)

I reviewed my consumer reports and noticed that I had missed payments on a couple of accounts, but there were discrepancies in the payment history, date account was opened, highest balance, last payment made, credit limit, and account closed date. Consumer Reporting Agencies have a responsibility to report consumer information with maximum accuracy and to the best of their ability. According to 15 U.S Code 1681e of the FCRA, if any information is not reported with maximum possible accuracy it should be corrected. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I request that these payments be updated to paid on time, as I believe I was never late. 

If it is proven that was in fact late on these payments and the discrepancies are updated on my report, please be advised that according to 15 U.S Code 1681a ( 2 ) ( a ) ( i ), transactions arent supposed to be included in my consumer report. Therefore, late payments should not be reported on any consumer report. Please remove the late payments associated with the accounts. 


The accounts that reflect the inaccuracies and discrepancies are listed below : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX
Consumer complaint received 2023-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

I checked my mortgage account with Mr. Cooper and saw that my mortgage had gone up and my escrow balance was in the negative. They force purchased insurance on my behalf even though I pay for my own home insurance out of pocket annually. 

At no point did Mr. Cooper call me, email me, send me a letter, or an email informing me that they seem to have misplaced my insurance information and need me to submit it. They just force purchased super expensive insurance, billed me for it, and hoped I wouldnt notice. 

I have reached out via phone and can not get ahold of a human being to insure these charges are reversed. I can submit my updated mortgage info, but there isnt any assurance that I will be refunded the money they stole, only that eventually I will stop being billed for the insurance they took out.
Consumer complaint received 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

I am the XXXX for the XXXX of XXXX XXXX. I have attempted to contact Freedom Mortgage and no one has been willing to speak with me. The account is still under review. I will refer to Freedom Mortgage as " FM ''. The first court ordered document that I submitted to FM was on XX/XX/XXXX. The second set of court ordered documents and my ID were submitted to FM on XX/XX/XXXX. As requested by FM 's service team, I had to wait for someone to review the documents. I was told to call back several times. Then I was told the documents sent on XX/XX/XXXX were never received and that I had to wait for the review to take place. I emailed the documents on XXXX. I have been waiting to speak with someone regarding the account and then find out that the property was being foreclosed on. I was told on XX/XX/XXXX ( by FM XXXX team ) that I would be able to make a payment on the account ( no one before was willing to help me handle this account ), that I would need to bring the account current and suggested to add an additional " about {$500.00} '' to the payment. I was given the wire information. I submitted the funds on XX/XX/XXXX. I have actively been attempting to speak with someone regarding the account to get the account current, to get account details and to handle the estates property. This is already a stressful time, having to deal with a loved one who has passed away. The process I have been put through dealing with FM has really been overly stressful. I have been active in getting everything that FM needs but I have not been given the same respect. To make matters worse, FM did not wait a few days for the review to be completed before marking the account as an Active Foreclosure, this just adding more stress. I have been active in getting the account taken care of. I sent the first court document on XX/XX/XXXX, second court issued documents and my ID on XX/XX/XXXX. I sent the documents again on XXXX. I called again on XX/XX/XXXX and no one is willing to speak with the. The account is still " under review '' and they are still not allowed to speak with me. 
Finally was able to speak with someone regarding the account and was able to make a payment but I was charged over {$1700.00} in fees. 
I would like to request for these fees to be waived since I actively was attempting to handle this account for the XXXX. I called several times a week and I kept being informed the documents I sent were still under review.
Consumer complaint received 2024-11-21
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. (TX)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and my SSN card.
Consumer complaint received 2024-11-21
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. (SC)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-11-21
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXXXXXX Balance {$10000.00}
Consumer complaint received 2024-11-21
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. (PA)

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 611 ( 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 2022-09-13
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)

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX  XXXX XXXX  XXXX Date Opened XX/XX/2015 Balance {$440.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.