davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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. (RI)

I went to the car dealership to get a XXXX XXXX, I specifically told them not to do more than 2 pulls because I didn't want any hard inquires on my credit, however I ended up with more than 16 hard inquiries from XXXX XXXX without my consent. Also there are some credit cards applications that I do not recognize.
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I had an insurance claim and the check was made out to the servicer and to me. They have had the check for weeks and are finally planning to send to me today. I have spent hours on the phone and website to get resolution. They are sending to me for endorsement and then I have to send back to them so they can deposit the check and then send me 25 %. The loss occurred XXXXand it has been raining inside my house. 

They refuse to send me all of the funds because I was on COVID forbearance. They refuse to change their decision. 

This got me thinking as to how it can be legal that I do to get to choose my own servicer. Shouldn't TRID protect me from being forced to do business with a company? Why don't I have my own choice to shop around? I would seriously like to talk to someone about this. 

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mr. Cooper purchased servicing on loans and is using the customer base to market its refi services and offer discounts with certain real estate brokers to its clients. 

Although they are probably allowed to do that legally, I should not have to spend my money on a company who is trying to put me out of business, yet aI have no choice. How does this protect me, the consumer? 

Thanks, XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Im really frustrated with how my credit score has been hurt by inaccurate and unverified information on my report. Its not right that this incorrect info is dragging down my score and making it hard for me to get things like loans and credit that I should qualify for. Its been affecting my financial situation in a big way, and its unfair that these mistakes havent been fixed.
Consumer complaint received 2021-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IL)

I purchased a new car in XXXX. I have since moved, and have tried to register the car in my new state. This requires a copy of my title and a one and the same letter. I have called Hyundai Motor Finance repeatedly to obtain these documents. 

Each time, they say they will send it, then set the status of the document as complete without sending it. When asked why they wont send it, they say the request failed because they can not send the documents via email, and they agreed to mail it. They did not send it, and I have been unable to register or drive my car.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (IL)

mr cooper is reporting the days incorrectly it should be 30 60 90 120 but they have it wrong 60 60 60 60 60 90 can they explain this heres their payment records which look up to date to me no late i have included payments from their website i see no descrpcies for dates listed
Consumer complaint received 2021-12-28
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: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021, I was notified by XXXX my Credit Score dropped significantly down to XXXX. I logged on to my account and found the credit card that I am still actively using and making payments for was no longer part of my credit report. It shows as not available. In XXXX, the four years of payment history was shown and my credit score was at the correct level. Now in XXXX, the four years of payment history no longer shows on my credit report with Experian. I spoke to XXXX  on phone and was told the dispute comment is causing the issue. I requested the dispute comment to be removed and was told it would be resolved. I also contacted Experian on XX/XX/2021 and was told they would investigate it. The personal Experian credit report number was XXXX but I had to contact them via phone to access the results. I waited until XX/XX/2021 and contacted XXXX to find they did nothing to resolve the issue and my payment history and active credit card account of XXXX was still not restored to my credit report. It's weird because I'm still making active payments and using my credit card. The usage, balance, credit limit, account status, highest balance, payment status and late payments are all missing. The account is not in dispute so I'm not sure why XXXX reported that to the Experian bureau. XXXX told me that the comment was what caused the payment history and information to be removed from my credit report. However, I spoke to Experian on XX/XX/2021 and was told that dispute comment has nothing to do with credit history and XXXX needs to report the payment history again to restore it to my account. I've been fighting back and forth for the past two weeks to get this issue resolved. This is the third consecutive year that XXXX has somehow managed to XXXX up my credit history and ruin my credit score because they failed to report my payment history and credit card status accurately. I'm missing four years worth of payment history due to their negligence. I was told by Experian today on XX/XX/2021 that under report XXXX that they should remove the dispute comment and will look into the payment history. However, only XXXX can report the payment history and credit card status to be restored to Experian. Experian can only receive and use the information for credit score purposes. I'm frustrated because I'm not sure who is telling the truth and would like this resolved promptly. Thank you.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (GA)

XX/XX/2022 I submitted a letter to opt out of arbitration letter along with my personal information. As a consumer I believe it is my right to opt out. By opting out, I have a right to pursue legal matters if Experian does not obey Federal law. 

On XX/XX/2022, Experian responded by declining my request to opt out of arbitration. This a violation of my personal rights. 


As a consumer, I have the right of privacy and sue for any damages that XXXX cause me from living a life of intergrity. I believe my rights was violated based on the decision on Experian made to refuse my request of opting out of arbitration.
Consumer complaint received 2021-12-28
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. (NV)

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2022-08-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc. (AL)

Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX I accessed my credit report on XX/XX/2022. It came to my attention that The company listed above was furnishing collection information on an alleged debt to the Credit reporting agencies. This collection was disputed with the company above and XXXX XXXX XXXX University the company that illegally shared my identifying information with National Credit Management. I, the natural person is not obligated to and does not owe this alleged debt pursuant to 15 USC 1692 and 18 USC 8 as I advised to both companies mentioned above. Pursuant to 15 USC 1681 I demand that this account be removed from all credit reporting platforms This is my second CFPB complaint I am sending additional correspondence via Certified mail XXXX in regards to this account. 
When asked to validate this alleged debt they sent me a link to dispute with original debtor, an accounts receivable trail with no name and the account number doesn't match as well as enrollment document with a digital signature. Which does not meet the Debt Validation requirements listed in federal law
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

This is a follow up to complaint ID XXXX submitted on XXXX/XXXX/2021 Chase returned MOST of the money but not ALL of the money. The fact that Chase returned the amount of {$3100.00} to us and kept ( stole ) {$980.00} from the initial claim, is 100 % proof positive that Chase knows they are in the wrong. 

My gut tells me these funds were initially sent erroneously by us, to an account that was idle and had a negative balance at Chase. I theorize that Chase used our money ( The {$980.00} ) which was clearly sent in error and applied by Chase in error from a wire without matching names, to satisfy the amount owed by Chase 's former client. Why else would they return part of the money and not all of it to us? Only because Chase used our money for their OWN BENEFIT to cover their balance from their client with no connection to us whatsoever. That is the only possible reason and it is frankly disgusting. 

We are owed the amount of {$980.00} as a result of Chase quite literally stealing our money by using it to cover their own fees which were left previously unpaid by their former ( or current ) customer at our expense. We are not Chase customers and owe them nothing yet they feel it is ok to use our money, sent in error admittedly, for their benefit instead of returning it to us. Is this how a bank, a public company should behave? Have we not lost our entire moral compass in corporate america?!
Consumer complaint received 2021-12-28
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Experian Credit Bureau. Sending them a Complaint last time and i have not received any response up to this date. Therefore, Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the concerned Inquiries that need to remove : XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXXXXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/202XXXX XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA closed my bank account for being over drafted XXXX dollars on XX/XX/22 and on XX/XX/22 the state of Maryland deposited my refund check in the amount of XXXX. They sent me a check for {$860.00} and they will not give me the rest of the money. At first they said they would send it and that it would take XXXX business days but as of Monday they are now saying that they never got a check from the state of md even though I provided evidence and confirmed account and routing numbers. They owe me around XXXX and I need that money it caused me to be late on bills etc.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I DID NOT AUTHORIZE THIS INQUIRY AND NEEDS TO BE REMOVED FROM MY ACCOUNTS. 

XXXX XXXXXXXX XX/XX/22
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXXnder 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 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

Hello good afternoon I informing you today because my debit card was stolen on the XXXX of XXXX in New York I wasnt aware until the following of the next day when I saw transactions on my statements there was XXXX invalid checks that I did not put on my account XXXX for XXXX and XXXX for XXXX. Plus a hold on my card I immediately called Wells Fargo and made a claim of fraud. I just want this problem fixed I am a college student at XXXX XXXX and I cant afford any problems I need to get my degree thank you for your time and I hope you guys get this problem fixed soon
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

An automatic payment was initiated on my Chase Freedom Card when there were insufficient funds in the account debited. As such, the payment was denied and I then changed my autopay settings to avoid this issue in the future. 2 days later Chase attempted to make this payment again, despite me specifically opting out of full balance autopay. The second attempt was processed and put my checking account into overdraft. After spending hours on the phone with customer service, they have told me that they are unable to reverse the payment and I now have {$5.00} thousand dollars less in my bank account than before. They illegally took money from my savings to pay their card after I had explicitly opted out of the autopay feature and refuse to reverse the transaction. What is the point of extending credit if they pay off their own cards without the cardholder 's permission?
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TN)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX  {$9400.00} / XX/XX/2022 XXXX XXXX XXXX {$3200.00} / XX/XX/2022 XXXX / {$1200.00} / XX/XX/2022
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (FL)

Credence Resource Management Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX First numbers of account : XXXX .... Phone ( XXXX ) XXXX. Date XXXX. 
Original Creditor XXXX XXXX It was placed for collection. attempting to collect {$1100.00} from me. I do not own this account. I have never lived in the state of Texas.
Consumer complaint received 2022-04-27
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. (LA)

In accordance with the fair credit reporting act XXXX XXXX  Acct # 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.

Account was in forbearance while it was being restructured was never late and now everything is up to date please assit.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX -- -> : {$500.00} XXXX XXXX XXXX XXXX -- -> : {$4200.00XXXX XXXX XXXX XXXX XXXX -- XXXX : {$680.00}
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXXXXX Account type Credit card 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 602 A Section 2 : its also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (FL)

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 2022-04-27
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. (GA)

After numerous attempts to resolve this matter, I continue to be ignored! The credit reporting agency did not investigate and delete the items mentioned in the dispute and I haven't heard anything back from them. They responded back with I didn't include verifying information, like driver 's license and proof of address. This is definitely a stall tack tick and is not acceptable.
Consumer complaint received 2022-04-27
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

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