davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED IT REMOVE ASAP ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX L ]
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MI)

We paid off our mortgage in XXXX we were told the release of lien letter would be sent in 30 days. I have been calling since XXXX and today I get informed that the release of lien letter is not yet available. This is Mr. Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX ph # XXXX.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX  account 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX, XXXX Account # : XXXX XXXX Account Type : Installment XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Automotive : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Finance XXXX XXXX XXXX XXXXXXXX Finance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Automotive : XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXXXXXX Finance : XXXX XXXXXXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX Finance : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Finance : XXXX XXXX XXXX Home Furnishing : XXXX XXXX XXXX Finance XXXX
Consumer complaint received 2022-12-27
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: Credence Resource Management, LLC (GA)

In accordance with the fair credit reporting act XXXX accounts below violated my rights to laws 15 U.S.C. 1681 SECTION 602A - Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A- Consumer report agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am trying to sell a mattress ( cost {$170.00} ) in XXXX XXXX. On XX/XX/2022, I got a message from one person name XXXX XXXX ( name used in XXXX ) in XXXX XXXXr that she is interested in buying this item & she want to pay the amount through XXXX XXXX & asked my Bank of America bank details Account Number, Last Name ). I gave those details to her & on XX/XX/2022, she sent me {$1700.00} instead of {$170.00} to my account ( this amount is showing in my account as processing ). As the amount was showing in my account I sent her back the remaining amount which is {$1500.00}. She texted me again saying I sent you {$1700.00} twice by mistake & asking to return back {$1700.00}. I checked my account it was showing {$1700.00} twice but it was showing as processing. I got a doubt & reached out to the bank they said the amount is showing as processing & it will take 24 hours to credit in to my account. I told the recipient to wait for 24 hours since the amount is not credited yet to my account. She made up a story saying that she is using joint account & her husband is the primary account holder ( Name : XXXX, Phone No : XXXX XXXX XXXX ) & she sent me screenshot of bofa checking account number ending XXXX ( when I checked with my bank they said she used same email for XXXX XXXX XXXX XXXX account through XXXX transfer ) that she is in bank to resolve this issue & chased my continuously to return {$1700.00} back again. I waited for sometime then both she & her husband texted me in XXXX ( Name : XXXX XXXX, Phone No : XXXX XXXX XXXX ) & messaged me continuously to return back that amount. As I confirmed with my bank that both the transactions will take 24hrs to show in the account then I returned back {$1700.00} to the recipient. Next day I checked my bank account both the transactions are showing temporary credit & two claims generated for both the transactions & I tried to reach recipient, their XXXX account is blocked, both the numbers are blocked. Currently bank is investigating this XXXX transfer issue ( Claim No : XXXX ). I waited for the bank to respond but it is taking more than 30 days to resolve this issue they took back temporary credit {$3200.00} & said will take 30-45 days to resolve this issue as they are chasing recipient bank.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a cancellation of payment arrangement letter from XXXX XXXXXXXX dated XX/XX/. I have a charge of debt currently reporting on my credit from this same company ; yet they were paid in full XX/XX/XXXX  ( see attachment ). 

Called XXXX XXXXXXXX directly. They admit I paid as agreed and on time ; yet they can not tell me why they cant correct it in their system. 

The XXXX XXXX for the vehicle was sent to XXXX when capital one receive and cashed their check in XXXX of this year. They would not have sent the XXXX XXXX with an owing remaining balance. 

I have not been able to qualify for housing or another vehicle loan because of this. Please advise.
Consumer complaint received 2024-12-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (IN)

My mortgage was sold to a 3rd bank, and asked for proof of homeowners insurance which is paid through an escrow account. When I went to get the proof I was told that the last bank I went through, Flagstar bank, had canceled my homeowners insurance due to non-payment in XXXX. I still was paying my escrow from XXXX XXXX XXXXXXXX and was not even notified I didn't have home insurance during this time.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment is reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX has violated this law because this late payment reporting on Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to Experian and XXXX and I didnt give them permission to do so.
Consumer complaint received 2024-12-20
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

On XXXX XXXX XXXX a charge occurred in error by direct stream TV in the amount of {$120.00} I contacted my bank immediately to let them know the virtual card that have been deleted from my use was charged by direct stream TV. I also contacted direct stream TV and they told me a refund would be issue in three to five days on XXXX XXXX XXXX They also sent me an email stating a refund was coming my way. As of today flare account has not refunded my account accredited my account with the {$120.00}
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On Friday, XX/XX/XXXX I attempted to close a checking account at Huntington Bank at XXXX XXXX XXXX XXXX, XXXX, IL XXXX of my decease brother, XXXX XXXX. I have a Small Estate Affidavit which was provided along with the Death Certificate, bank statements for XXXX and XX/XX/XXXX. Both states show a balance of {$2000.00}. 

I was serviced by XXXX XXXX, Customer Experience Banker which spoke with the banks back office/fraud department XXXX The bank refuses to turnover or close out the account and deliver the funds to me. The bank is claiming the funds have been on hold since XX/XX/XXXX and will not be release until XX/XX/XXXX. The bank claims the check deposit is second endorsed fraud. However, the bank has never sent any correspondence to support this. 

All bank statements show an available balance of {$2000.00} and show be issued as so.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MN)

Today my Huntington Bank checking account allowed {$350.00} of fraudulent transaction using my checking account number and routing number. Two months ago they allowed over {$500.00} from my debit card. My funds are not safe with them.
Consumer complaint received 2023-04-04
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. (VA)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2022-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

Shellpoint Mortgaging Serves Loan number : XXXX The loan was taken out in XXXX and XXXX XXXX. When I went to file a claim on the mortgage insurance they informed me XXXX was not on the loan. He has been on the loan from the beginning and that has not changed until Shellpoint took over the loan. At that time, he was dropped from the loan without a request being made by either XXXX or XXXX. When the company was contacted, they were not helpful in resolving the problem. XXXX was removed, who authorized it, when and why. XXXX has since passed away and I am trying to file a claim against the life insurance that should have been on both XXXX and XXXX. The company is refusing to correct the loan and the insurance so that a claim can be filed. 
If their paperwork shows only XXXX, the company that previously had the loan modified the loan without authorization or consent of the loan parties. This would make Shellpoints loan paperwork fraudulent paperwork. 
Attempts to reach shellpoint to see if they are investigating this matter and get it resolved in a timely fashion are going unanswered and I have not been able to reach them again by phone.
Consumer complaint received 2022-06-06
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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 without my written instructions.
Consumer complaint received 2022-08-05
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (UT)

About 60 days ago I sent a request to XXXX / LexisNexis To verify some information on my report I have yet to receive any type of a response from them.
Consumer complaint received 2022-09-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (CA)

CASE # XXXX COURT CASE # XXXX XXXX XXXX # XXXX Im requesting to receive a termination letter/ release letter of all XXXX  removed immediately. 
Especially the lien from the house in XXXX XXXX CA XXXX! 
My name is XXXX XXXX. I strongly feel this is a mistake error, it is unfortunate that there is a Social Security attached ending in # XXXX. 
This XXXX issued date XXXX XXXX. 
When I speak to all these collection agencies, they all have different dates & amounts. 
Some say this dept is for something back in XXXX or XXXX, they don't even know. 
I spoke on XX/XX/XXXX ( time started still waiting for all the information ) & XX/XX/XXXX with XXXX XXXX representing XXXX XXXX XXXX. 
I request, & By law is my right to receive a copy of the original contract. 
& There is none. 
Proving information with a signature that shows I owe, if any of this debt. 
I need proof of ownership, payment historys anything & everything on this is. 
( as asked for many times ) office has 30 days from XX/XX/XXXX to comply & give me all this information. 
you must delete this mistaken debt ASAP. 
I also need all the creditors/Law Groups that have been involved in this court case # XXXX. 
Information needed is, complete legal names and address, contact information emails and numbers.. 
Companys License Permit Bonds which are required by law or ordinance to be engage in business as a collection agency. 
Information will be used to do a background check on all law firms & license numbers to confirm all legality through the state of California and Attorney General. 
I would like the complete information on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX to verify on our behalf as well. 
Copy of Proof of Service form SC-104 I also have no clue or recollection on how or why the court house in XXXX Civil Process would even comply to a judgment on XX/XX/XXXX.! 
I the Defendant was never served or notified that 10 hours away from my home & was supposed to be in a courthouse. in XXXX 
I live in XXXX XXXX XXXX. 
In XXXX about this false XXXX  from XXXX? 
I was never serviced : on this claim, & not given the at least 15 days before the court date. 
I feel There is so many laws Where this XXXX is being broken through Law FCRA, FDCPA & HIPPA.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I didnt authorize anyone or sign a power of attorney or consent in anyway or form for any person to open up a student loan for XXXX $ and another student loan for XXXX $ and a XXXX XXXXXXXX credit card for XXXX $ these are all fraudently and i never had the Knowlegde or acess to any of these i want it removed off my credit report asap immediately because it does not belong to me and it is not fair i reached out to get help and nobody is tryna help me with this emergency situation
Consumer complaint received 2023-11-27
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings (TX)

Zion Debt Holdings is attempting to collect on a fraudulent account that they purchased from XXXX alarm systems. This account was open unauthorized back in XXXX, XXXX removed it from my report but has now sold the collection as viable. 

This is fraud, I did not ask for it. I have asked that they provide the original agreement and are refusing to supply it because they know it's fraud. The outstanding amount owed is : {$3400.00}.
Consumer complaint received 2022-06-06
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. (FL)

I reached out to XXXX XXXX  and all credit bureaus. This fraudulent accts was deleted in XXXX & placed back on my consumer profile this month. I am tired of my report being impacted with this fraudulent account per 15 USC 1602 & 15 USC 6802!

Please remove this account permanently it is ruining my reputation and messing with my mentality! Please remove from XXXX and Experian I have also contacted all parties, my next step is litigation
Consumer complaint received 2022-11-22
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 — Investigation took more than 30 days
Company: Credence Resource Management, LLC (LA)

I have sent this company multiple communications attempting to request validation of the alleged debt. The company has not once responded with anything that validates this alleged debt, yet they continue to report a debt on my credit report on a monthly basis. Please send me information that verifies this belongs to me and that it is 100 % accurate. I am not sure who this company is or why i owe them. I never had business with Credence or agreed to any transaction with them that makes me owe them money. If they bought debt from someone else, they need to reach out to who they bought it from for payment.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  Account # 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 without my written instructions.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (AL)

Penfed after receiving my complaint via CFPB stated my account would be closed due to fraud. I requested a detailed explanation of such yet the associate stated this was the determination of Penfed and nothing else could be provided. Previous communications with Penfed proved this to be untrue as I was told that my prior document was insufficient and that I had to provide a color copy with all pages available. I provided everything that was requested and contacted the utility company to see if they had spoken to anyone at Penfed they stated they had not. I waited over two weeks and feel this was a discriminatory act as I escalated the complaint. I spoke previously to the director of the loss prevention department and he stated there were no issues with my documents. 8 different Penfed associates reviewed my documents and no issue was ever brought forth. They stated they are not going to restore my account because of fraud yet have provided no proof of such as I have not committed fraud.
Consumer complaint received 2022-06-06
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. (IL)

I have no idea what it is and why its on your report and I want proof of who they are not some random bill that can be from anywhere due to fraud, I never received anything from the company or who they are and For resolution remove this fraudulent company off my credit report.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX MORTGAGE 30 DAYS LATE IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX and 60 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX