davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NC)

I was coming out of Forbearance and was contacted by Mr Cooper reps about next steps. They gave me no other option but to settle the entire amount of the forbearance period in XXXX payment. 
I contacted the VA and had them help me with this by having the VA make an extension. Paperwork was sent to me for me and my wife to sign and notarize. We called and scheduled the notary, paid and had the packet sent back. This was last XXXX. At the end of XXXX, a second packet was sent out to me, and I received an email from the Mr Cooper rep informing me that the paperwork was wrong and my wife signed in error, as she is not on the original loan- only the deed. So I was to have the paperwork signed and notarized and sent back in. They told me mr Cooper would schedule the notary for this. 
None was ever scheduled. I was also told, by an account rep, NOT to make payments as this would mess with the extension and payment schedule. 
At this time it was XXXX. It is now XXXX, no notary has been scheduled and I tried calling to make a mortgage payment. I was informed that I could not make just XXXX but that I had to make XXXX months worth of payments all at once and my house is in foreclosure as of XXXX XXXX. I was informed that a demand letter was sent to me in XXXX. After I told them I received no such letter, I was informed that not receiving it doesnt matter and I am still responsible for the payments and other issues in said letter. I still have not received any letter. 
My online account is disabled, so all I am able to do is see how much I owe and see the phone number to their customer service to make said payment as it is impossible to make an automated payment online. 
I have contacted my VA account XXXX and I am in contact with her, but I still have no idea how I am making XXXX  months worth of payments and avoiding foreclosure. I spoke to a loss mitigation XXXX at mr Cooper and all she could do was demand full payment and refer me to my state agencies for financial assistance I am about to become a statistic due to MR Cooper and their lack of administrative organization and demands that they are always correct.
Consumer complaint received 2019-09-03
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. (CA)

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , TX XXXX   ( XXXX ) XXXX Last Payment Made : : XX/XX/2016 High Balance : {$260.00} Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/2016 Date Paid : XX/XX/2016 XXXX  has been reporting a collection on my credit report since XX/XX/2016. Have always been current with XXXX  still am. I called and written to XXXX on several occasions only for them to state that they can not find this account in their system, thus can not issue a deletion letter or remove it from the report. XXXX  keeps telling me to dispute with the bureaus but bureaus coming back stating " it was been verified and will report for up to 7 years '' ... who is lying and who is violation F.C.R.A. here ....
Consumer complaint received 2024-12-13
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. (DE)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-12
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. (IN)

The company XXXX XXXX XXXX also operating under the name XXXX has improperly used my information and reported inaccurate information to my credit profile. I have disputed this information with all three major credit bureaus and only received resolve with XXXX. This account being reported was being reported as two accounts with the same account number and different historical payment information and dates. This account has been deleted and needs to be updated with the other credit bureaus.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to demand an immediate correction of the errors in the listed accounts based on violations of the Metro 2 reporting standards. 
Violations Identified : XXXX. XXXX Account # XXXX : ** Date Last Active : There is a discrepancy between XXXX, Equifax, and XXXX regarding the Date Last Active. Metro 2 reporting standards require consistency across all bureaus, and this mismatch must be corrected immediately. 
Account Status : The account is listed as " Closed '' across all bureaus, but there is an inconsistency in the comments, which mention the account being closed at the request of the credit grantor. These comments are vague and violate Metro 2 standards of providing precise information. 
Late Payment History : The late payment history reporting is inconsistent. One bureau reports a 30-day late payment multiple times, while another fails to list this history properly. Uniformity in reporting late payments is mandatory. 
XXXX. XXXX XXXX XXXX Account # XXXX : ** Account Status : The account status is marked as " Closed '' across all bureaus, but the Date Last Active field varies between bureaus. This inconsistency is a violation of Metro 2 guidelines. 
Late Payment History : The account indicates a single 30-day late payment, but this is not uniformly reported across all three bureaus. I request that this late payment be properly validated or removed due to inconsistency. 
XXXX. XXXX XXXX XXXX Account # XXXX : ** Date Last Active : XXXX and Equifax show different dates for when the account was last active, and the comments mention a 30-day late payment, but this is not consistently reflected in all bureaus. 
Late Payment History : The payment history is not accurately reported across all three bureaus. 
XXXX reports late payments differently than XXXX. This failure to follow Metro 2 standards is unacceptable and needs immediate rectification. 
XXXX. XXXX Account # XXXX : ** Date Last Active : The accounts last activity date varies between bureaus, violating Metro 2 requirements for consistency. 
Late Payment History : There is a single late payment listed, but it is not consistently reported across all three bureaus. Additionally, comments about the account being Current while also listing late payments are contradictory and require clarification in accordance with Metro 2 guidelines.
Consumer complaint received 2020-11-27
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

National Credit systems and XXXX XXXX XXXX XXXX has put unpaid on my credit report and I have no knowledge of this account. It's been 10 months and I have mailed them letters and I have tried to get in contact with them and they still refuse to answer me. I know my right and according to my attorneys and the FCRA I have the right to file a class action lawsuit against this company for reselling to other creditors and falsifying documentation. Please help me get a response from this company and please help me get this removed.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (CA)

On XXXX, I purchased a mastercard gift card from XXXX XXXX in XXXX XXXX XXXX CA XXXX I could not use the website www.prepaidgiftbalance.com to activate the card so I called the number XXXX on the back of the card. The agent told me because the card was somehow scanned by fraudsters even before my purchase, so it is blocked from activation. I have to wait for a replacement card. 

I called vendor after 3 weeks and was told the card might be lost since I still haven't received it. I asked whether there is a way to send a card with tracking number and was told that is not possible.

It has been over 7 weeks, now and I still haven't received my replacement card yet.

No communication from this company and they do not show any sympathy for the inconvenience caused to customer.
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2022-10-09
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. (TX)

My name 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 2020-11-27
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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MD)

I stayed overnight at XXXX XXXX located in XXXX Maryland on wednesday, XX/XX/2022. During this day I was charged a total of {$330.00} for the stay with another {$30.00} for an incidental fee. After check out and after the balance was settled with the hotel, a pending transaction of money they were holding from me in the amount of {$420.00} and XXXX cents was held under the explanation that there is a 20 % hold on service industries in the state of Maryland. I had never in the recent past had this experience for any hotel stay that I have completed. Upon realization of this error, I contacted US Bank and XXXX  services more than XXXX times to try and straighten the matter out because once they deducted those fees I had no money left for anything, including the celebration of my daughter 's graduation from high school. I spoke at length with one of the US Bank representatives by the name of XXXX who was very agitated and became emotional when I asked for the return of of my money. In addition, he refused to continue to entertain or discuss the matter stating that he felt angered by how he was being addressed., Another representative who claimed that he was a supervisor repeatedly stated that I had to wait 20 days before my funds would be returned to me. I explained to him that I had not authorized these funds to be withheld and I wanted them to be refunded immediately. On more than five rounds of repeating this statement, he refused to to refund money that were owed to me. I further explain to him that I could not be charged I could not be held to wait 20 days when I had never withdrawn or charged {$420.00} on my card or account. After multiple XXXX hours of debating and arguing about funds that they are holding which belong to me, I exper the explain to representative XXXX that I would file a complaint against the company. To no avail, he did not relent. When I explained to the representative at XXXX XXXX that they needed to settle all charges for my hotel stay, I was informed by the front desk manager that all funds have been settled and that {$30.00} would be returned to me in 7 to 10 business days. To this effect, it it appears that I was charged {$420.00} for services unaware and unknown to me. When I inquired both at the bank and through the hotel, neither of them could explain what the charge was for. I am imploring you to get involved and force them to return my funds. Additionally there was another charge for {$120.00} which was also pending from the same week of charges outstanding for a hotel stay. This has not been the case previously, and I am expecting a full return of my funds.
Consumer complaint received 2022-06-12
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. (AZ)

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 2022-06-12
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. (FL)

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 # XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2022-06-12
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. (MS)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX and XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2024-10-16
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: Experian Information Solutions Inc. (MI)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2023-05-17
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. (SC)

In accordance with the Fair Credit Reporting act. The list of accounts has been violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX. 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 Also states a consumer reporting a gen year can not furnish a account without my written instructions. 15 U.S.C 1681s~2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting angency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-12
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. (MS)

In accordance with the Fair Credit Reporting act 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 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

On XX/XX/XXXX, I went shopping in XXXX XXXX XXXX XXXX  around XXXX. 
At XXXX I sent a XXXX XXXX to my friend which is on my bank statement. 
I used cash while in the XXXX so that day I did not use my debit card. 
I got home around XXXX and noticed my card was missing, and immediately called Chime Customer Service the next day, around the evening/night time. 
XXXX Unauthorized transactions were made on my card at : XXXX at XXXX for {$40.00} XXXX at XXXX for {$11.00} XXXX at XXXX XXXX XXXX  for {$120.00} There was another unknown charge on my account for {$24.00} at XXXX All these charges have been made on the same day XXXX XXXX. 
A Police Report Has been filed at XXXX XXXX XXXX. My Case Report Number is XXXX. 

I tried to resolve this with chine since XX/XX/2022 and they refuse to open the claim or my rebuttal.
Consumer complaint received 2019-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a open capital one account for awhile and I closed it because the bank has a poor dispute dept and I disputed a loan and some payments from XXXX XXXX and I called capital one and told them I never had a loan with XXXX XXXX XXXX XXXX or a XXXX credit card before I called there two creditors and have those accounts closed as fraud and they are closed and I have gotten some of my money back from XXXX credit card but I filed a claim with capital one few weeks ago and I feel like they didnt do there research and my claim was denied due to unknown reasons .... and I received a denied email ... .. and I never did business with these Merchants and those accounts are shut down and my checking account number was stolen ... and I requested for a new checking account number and capital one has refused