davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, has violated my rights ( Original Creditor : 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 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 consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccurate.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advers item of information, other records of convictions of crimes which antedates the report by more than seven years
Consumer complaint received 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

On XX/XX/XXXX I called Mr Cooper to request the PMI on my mortgage be removed since I'm 3 years in the payments and well over the XXXX XXXX loan to value on the property. According to Mr Cooper 's website, I'm actually calculated at XXXX XXXX owner of the property. They have the value of the property on their website calculated at {$340000.00} as of XX/XX/XXXX, with an estimated equity position of {$180000.00} and I only owe about {$160000.00} on the mortgage. ( See file attached below from Mr Cooper 's website ) I've been very much aware of the values in the local neighborhoods averaging around $ XXXX {$350000.00} for similar properties. I spoke to a XXXX in customer service and after checking the value on her computer she stated that according to her computer 's diagnostic program, I don't have enough equity so I can either pay {$150.00} for a broker 's opinion on the value or pay {$350.00} for a complete appraisal to be done and either one can take up to XXXX. I stated that even their website has me estimated at {$180000.00} but she stated that it doesn't really matter and the only way I can have the PMI removed is if i do what she suggested so I told her to go ahead and order the {$150.00} broker opinion. This seems to be just another predatory tactic that Mr Cooper uses to take advantage of the hard-working responsible consumers. This company evidently bought my mortgage from XXXX XXXX  about XXXX weeks ago, probably paid a premium for it, and it looks like they're deliberately preying on the account holders to recoup their investment. How can this possibly be legal?
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to your company to bring to your attention a matter concerning my EQUIFAX consumer report from XX/XX/2023 and I believe that equitable remedies are necessary to rectify the situation. 

I have identified several instances where you are willfully, inaccurately, and unlawfully reporting that the following accounts are negative without furnishing any proof of verification of these alleged debts nor that you followed all laws and regulations under the FCRA to report them therefore you must REMOVE all negative accounts and adverse remarks as they are causing unjust harm. 

I am asserting my rights under exclusive equity and am seeking equitable remedies to address the harm caused by your company. Please be aware that all negative accounts and remarks found on my credit report are violations of the FCRA therefore in addition to having said accounts removed, I have also attached an invoice for statutory damages for each violation. 

Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-12-08
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: LEXISNEXIS (MI)

I received a notice in the mail today regarding my previous complaint being closed, Complaint # XXXX. 

I have a bankruptcy report on my credit report, I've reached out to XXXX regarding this incorrect information. They informed me that LEXISNEXIS is the one that sends them this and I would need to reach out to them regarding thing incorrect information. 

I've reached out on multiple occasions and they have yet to send me any response regarding this matter.
Consumer complaint received 2022-12-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (MA)

MCM is the company that has been harassing me and my family. They've called my sister on numerous occasions. They've called my mother. I've called them and told them to cease and desist... It appears as if they resubmitted my debt as if it were new this year, and they started contacting me and my family again. I again sent a cease and desist phone call. And now my sister is just received yet another phone call.. has been going on for 3 years at least probably more like five. 

Like I said they have just contacted my sister for the fourth time in total. I had been in contact with them previously. I received the letter that they sold my debt.. and then I received another letter shortly thereafter that they've purchased my debt. Or at least as far as I can tell.. credit karma is not very descriptive so I had to suss everything out myself. 

Midland credit Management is who I'm referring to. 

The photo I provided as a screenshot of my sister 's phone... not really very helpful whatsoever but that's the number they contacted her from. 

According to her they asked for me. She asked what it was regarding, they said nothing. She asked if it was medical. They said they couldn't say and then she asked if it was financial and they alluded to her that It might be and " it is in my best interest to speak to them '' they insisted that they speak to me.. and literally asked my sister to find me and give me the phone to speak to them while she was at work. 

We no longer even live in the same house. We only share our last name.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-29
Product: Credit reporting 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 received my credit report and noticed that a fraudulent account is appearing, Please investigate and delete this. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX XXXX XXXX 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2022-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Siggi LLC (OK)

I got a loan from Omni Financial in XX/XX/XXXX and was told I had to do an allotment and they would notify my commander if the allotments were stopped and I got a second loan from them in XX/XX/XXXX and the same exact thing they walked me through doing the allotment on their computers. I was told there was a lawsuit because of this and to file a complaint here. 
They told me I had to do an allotment.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (LA)

My XXXX XXXX XXXX daughter and I are currently displaced from our home due to mold and damage inside my home from weather conditions that occurred on XX/XX/XXXX. On XX/XX/XXXX, a check in the amount of {$7800.00} from my insurance company was deposited into my checking account. The deposit was approved the same day and a 2 day business hold was placed on the check. Before the 2 days were up I received another email stating there was an additional hold placed on the check for 5 days. I called in to NFCU to get clarification and was pretty much told my check was looked at as Fraud. I called my insurance company and the Treasurer verified the funds had cleared the account. I then contacted NFCU and requested a supervisor, I was passed off to 2-3 supervisors until the final supervisor stepped in and took responsibility of the issue, the supervisor contacted my insurance company and a email with the cleared check was sent over verifying the funds, afterwards the supervisor made sure the hold was lifted, and my funds then became available for to take care of the repairs for my home. NFCU also gave me {$100.00} credit apologizing for the inconvenience stating they were sorry that my check was looked at as Fraud. 
Moving forward to XX/XX/XXXX, the final check for my home renovation in the amount of {$7900.00} was deposited into my account and I received the email that the deposit was approved with a two day business hold. I called in to NFCU on XX/XX/XXXX and was told funds would be available XX/XX/XXXX between XXXX XXXX & XXXX XXXX. The funds were deposited after XXXX XXXX  so I made a payment to my gas company and was set to pick up materials at XXXX XXXX. NFCU, took the money back out of my account at XXXX XXXX then sent an email stating there will be an additional hold of 5 days. I immediately called NFCU and was told security was the reason for their actions. I called and spoke with at least 4 supervisors and was told the last supervisor that helped you Wont be able to assist you again so pretty much to stop calling. On XX/XX/XXXX, I contacted my insurance company to verify the funds cleared and was notified by the Treasurer of my insurance company the funds cleared on XX/XX/XXXX. I then called NFCU and spoke with another rep that attempted to help after I explained I have to check out my hotel on XX/XX/XXXX, and my home still has mold and the materials that were on hold for me would be lost. The rep suggested I call my insurance company and get the treasurer on the line while he attempted to get a supervisor back on the line. Once I got my insurance company on the line and the NFCU supervisor and my insurance company verified the funds were debited from the account on XX/XX/XXXX, the supervisor stated okay were still going to hold the money At this point I feel Im being discriminated against. NFCU has treated me like a criminal with their Unethical and Unprofessional practices. I will escalate this matter to the fullest extent.
Consumer complaint received 2024-12-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sa-Vit Enterprises, Inc. (FL)

Please see attached cease and desist letter that was sent to SAVIT COLLECTION AGENCY on XX/XX/year> for them to cease and desist as I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 
1692c ( c ), and demanded that they cease all communication with me regarding this matter, except as allowed by law. I also demanded that they cease and desist any and all collection activity under the law as well. As of date, SAVIT COLLECTION AGENCY continues to report this on my credit report in violation of applicable laws.
Consumer complaint received 2022-08-01
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account, XXXX, NA # 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 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I made a flight reservation with capital one travel portal and found out later that I wouldn't be able to take the flight. I cancelled the reservation within 24 hours, but was only able to get reservation credit with the airline. 

As a XXXX XXXX cardholder, I am eligible to receive up to {$300.00} credit. So my reservation with the flight costed me {$77.00}. However, when I cancelled the reservation, Capital one portal wouldn't allow me to cancel on its portal, but I had to go to the airline 's website to cancel. As a result, I was only able to get reservation credit and a {$10.00} voucher, which I could only use with the airline. And I am not happy with it at all since I probably will never fly with this airline, and all the reservation and voucher credit are wasted at my end. 

I feel like Capital one travel portal has operated poorly, and was ineffective in advising me about the cancellation options I have. ( XXXX, for example, allows me to cancel within 24 hours directly through XXXX XXXX ) Today when I called Capital One, the agents told me that I should call them within 24 hours when I cancelled the reservation, which was never explicitly stated on its website whatsoever.
Consumer complaint received 2024-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (MN)

I was in the middle of a loan modification had made all my payments on time and my house was sold at a sheriff auction during the loan modification trial period without notice the original sheriff sale was postponed because of the modification then was sold a month later without notification I was not notified my house was sold at auction until the person who bought my house left a note on my garage door telling me he bought my house I have all correspondence being e mails and text messages with the mortguage company about the loan modification I don't understand how they could except payments from me and foreclose at the same time
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, XXXX, & Transunion failed to delete a fictitious debt. XXXX has failed to provide me with an original documentation of this debt existing. My car has never been repossessed. I got it refinanced and XXXX XXXX XXXX XXXX updated my credit profile with repossessed. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) the credit bureaus must verify any debt and provide me a copy of the documentation with my original signature. Please be advised under section 611 ( 5 ) ( A ) of the FCRA THE CREDIT BUREAUS ARE REQUIRED TO DELETE ALL INFORMATION THAT CAN NOT BE VERFIED. This is fraud, defamation of character, and deceptive act or practice.
Consumer complaint received 2022-09-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (RI)

I XXXX XXXX, On XX/XX/XXXX I purchased a SUV from XXXX XXXX in XXXX XXXX Mass. My Loan doc 's are all wrong they promised me on price of XXXX dollars but on the loan doc it say XXXX plus a bunch of XXXX fee 's that don't make sence. The sales guy is XXXX XXXX, the loan person was XXXX XXXX. This car buying experience was awful. now I'm like how do I pay the trap I felt like I was put in. Can you Please Help. I'm a hard worker and I fell Like I have been taken advantage of.
Consumer complaint received 2022-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (FL)

First of all this is a medical debt from more than 7 years ago. In XX/XX/XXXX I suffered a serious work accident that made it impossible for me to work for more than 3 years. When this happened, I called the cards that I was paying to inform them that I would not be able to pay the debt, telling them about the situation and wanting to reach a payment arrangement. They did not want to understand the situation nor did they want to come to a payment arrangement with me. 
In XXXX I received a letter from a XXXX  that they put into my bank account withdrawing around {$500.00} in order to collect this debt. 
Now again on XX/XX/XXXX my bank account was seized and debited in the amount of {$490.00}. 
There was no previous notice for this nor the right or opportunity to defend myself. IS THIS LEGAL??? I ask sarcastically being sure not. 
On countless occasions I have tried to contact them and they do not respond, when they do they can not answer me because I do not speak XXXX and they do not have anyone available in XXXX  or translation for me. 
This is discrimination and also, they have made it impossible for me to reach an agreement which is too unfair and goes against my rights as a consumer. 
This is not in compliance with the equal opportunity law that these companies are supposed to abide by. I did not receive any news of any of this in my mail. This is super illegal. 
Currently, I am the head of the family, I have a wife and XXXX dependent children who depend on my work to survive. 
I have spent hours and hours on hold trying to contact them. They have damaged my credit and my rent payments.
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: Experian Information Solutions Inc. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX ( Original Creditor : XXXX XXXXXXXX XXXXY ) XXXX Balance {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$260.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$130.00} Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian Collection : XXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX  XXXX Balance {$730.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Collection XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$730.00} XXXX XXXX XXXX XXXX {$1200.00} Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-12-11
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC (OK)

I have spend more that 2 years trying to get this company to correct the payments from this company. I have made all payments on time and before date I have certified mail so that all payments make it to the door before the first of each month of XXXX. I have a certified funds, so I know no payments have been returned. Shell port has been extremely lacking being professional as far as I know XXXX or XXXX or they are holding currently three payments, and then still stating that the loan is in default or delinquent this information is incorrect. I need it corrected. XXXX reported to the credit bureau correctly. this is poor customer service.