davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

On XX/XX/2021 the bank allowed for several fraudulent checks to be deposited by only using a picture of said checks utilizing one mobile device and another screenshotting the checks which one was for {$3000.00} and 2 for {$1000.00} each total of {$5000.00} and made available {$1000.00} for immediatte use and allowed {$1000.00} to be XXXX  out to the thiefs who manipulated my teen daughter into this scam, now the bank did absolutley no investigation and now are holding us liabe to pay the {$1000.00} that became readily available by the bank including fee 's of returned item fee 's total amnt owed is {$1000.00} which again would not have been made possible if the use of only using screen shots of pictures to be utilized for this fraud to be done on us, theres a email adress associated with the zelle transfer which they could trace and know who received the money and charge them to pay the money back. I received no help from my bank but a bunch of sorry 's which dont help my situation, i worked hard to get my credit scores but if this ends up on my credit and my daughters who is barely a young adult will completly set us back. I know using technology these days is more beneficial but having allowed such a transaction only with an image of an image should not be allowed and funds should not readily be made available in such large amounts unless its a direct bank transfer to another bank period!
Consumer complaint received 2021-11-26
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. (TN)

Transunion and XXXX are both reporting an old XXXX XXXX account in the status area as a charge off. The account was paid in full. The creditor XXXX XXXX has provided me with a letter that reflects that this account is paid in full and is not a charge off. I have tried to dispute this with both credit reporting agencies and upload the letter I received from the creditor that reflects the status is not a charge off. But I get an error message and it will not allow me to provide the documentation directly from the creditor. The creditor XXXX XXXX has also advised me that they have requested both Transunion and XXXX of this, but there has been no change in the reporting as of XX/XX/2021. I dont understand why both Transunion and XXXX will not correct the inaccurate information being reported on my credit reports. Especially with a letter request directly from the creditor and the creditor reaching out to both reporting agencies advising them that the information being reported is incorrect This inaccurate information has caused direct financial distress.
Consumer complaint received 2022-04-26
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. (WI)

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 XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.SC 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 2022-04-26
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. (IL)

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 Account # XXXX, XXXX XXXX Account # 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 an account without my written instructions 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-30
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: Duvera Billing Services, LLC (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the lists of the erroneous account reporting on my credit report : DUVERA BILLING SERVI XXXX Balance {$1200.00}
Consumer complaint received 2021-12-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

This is the second complaint i have made about this company. I tried for 2 years to get this company to agree to a re-modification. I had to make a complaint against them because their business practices were shady bordering on criminal. After receiving an agreement 3 months ago saying i have to make XXXX test payments to complete this re-modification this company is up to its old tricks. I have made the first XXXX payments but i am reluctant to make the third because throughout this period there has been no good will reciprocated by these people. Despite the fact that i have kept my part of the agreement and made the payments i have continued to receive threatening letters and phone calls. Also there is a disparity between the amount the online account says is due and their automated phone system. Their representatives have continued to lie and make deliberate false statements about the situation. I just received a call from them claiming that the mortgage is in default and i have not paid which is a lie. When i reminded the person who called herself XXXX or something like that that i spoke to them last month about this issue and what she was saying was not true she claimed the payment was returned. I reminded her that the first attempt was returned because the bank suspected fraud so i sent it through another bank. She claimed at that time last month that as long as the last payment was made before the end of XXXX the trial period would be satisfied. This person was saying something entirely different today. I wanted my XXXX to assume this mortgage because i am too old to be dealing with this dishonest criminality and lies. I don't believe this is a oversight i think these tactics are deliberate to get me to just give up and give them my house. These people claim to record all calls so these records need to be subpoenaed as proof of these dishonest and deceptive business practices.I believe these tactics are clearly conspiracy to commit mortgage fraud which falls under the FBI 's jurisdiction. This company is a debt collector and not a mortgage company in reality. Even their name is a lie. Debt collectors are parasitic and will use any tactic to take advantage of consumers even if it crosses the line. A full investigation of this company needs to done to stop them from breaking the law. I am certain that they are breaking the law and someone needs to stop them.
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CO)

Synchrony Bank using the Care credit and Discount tire auto card starting charging interest on non-promotion items even though I called in to have the funds I paid reallocated to the non-promotion items. Meaning they have been charging interest when they should not have been. 

I have been waiting since XX/XX/2021 for their XXXX  department to call me and every time they email me regarding the account I state the same thing. 

Synchrony Bank under XXXX automatically pays non-promotion items and the rest of the Synchrony bank should do the same. The customer should not have to wait in hold every month for Synchrony Bank to re-allocate the payments the customer made. So the the customer doesn't get interest charges.
Consumer complaint received 2021-10-30
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. (PA)

XXXX XXXX is violating my consumer rights. They violated my privacy and committed fraud by receiving my personal information from another party and attempting to collect an alleged debt which I do not owe. They have then furnished my information without consent and defaming my character with this negative account.
Consumer complaint received 2023-06-19
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. (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.

The letters are stated with items and issues.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector 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. Therefore, you are reporting misleading false accounts. The following accounts were 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 2021-09-18
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: Global Lending Services LLC (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries FXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Global Lending Services Inc XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect the consumers right to privacy. XXXX, Experian, and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and Experian. ( Furnisher information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to excersie my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. code 1681s-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows o has reasonable cause to believe that the information is inaccurate. 15 U.S.Code1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2021-12-04
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. (OR)

These agencies include XXXX, XXXX, and TransUnion. my wife and I are victim 's of fraud this is been on going still we have filed complaints to your office as well as the were the debit took place, your office keep passing this back to XXXX, XXXX, and TransUnion they keep tell me I never showed a police reports I have sent them and your office has showed them also, we have make complaints with FHA, as well as Hud from their own website up loading the info we spent money using their owe sites and they wont take the info, provided, please see the enclosed info. I have also called your XXXX XXXX office IM XXXX and a member of XXXX XXXX, we have been discrimination on the basis of familial status and gender because no one fixed the credit I was force this humiliation of this, and split of my children between homes, this has caused my health problems as well not having the credit my teeth damage I need dentures. we lost out on homes and lender who cant lend to. our info with XXXX, XXXX, and TransUnion is crossed wrong, multiple files with mine and my wife. info
Consumer complaint received 2021-12-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (IL)

I am XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX, consumer, natural person and original creditor of an open-end credit plan was denied my right of credit by Discover Financial Services XXXX Inc d/b/a Discover. I was notified of this transgression of my rights specifically 15 USC 1601 - The truth in lending act. I as a natural person possessing an open-end credit plan was harmed by Discover Financial Services , INC d/b/a Discover adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ) Discover Financial Services, INC d/b/a is now civilly liable to pay me for the damages.
Consumer complaint received 2021-12-05
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: EQUIFAX, INC. (TX)

On XX/XX/2021 I received an alert that my credit report was viewed by a company named XXXX 's on XX/XX/2021. This is an unknown company to me so I immediately locked all of my information across all reporting agencies. It took a while to research this company, but it turned out to be an out-of-state mail order shopping magazine. I have never heard of or seen this magazine, let alone applied for credit with them. I called the company and spoke with multiple departments and representatives, and none of them could verify any information, account or credit inquiry using any of my identifiers. They suggested that I dispute it with Equifax since they were the only reporting agency that this inquiry. I disputed this inquiry with Equifax on the same day XX/XX/XXXX. The report came back as factual on XX/XX/2021 and stated that this inquiry would not be removed from my credit report. The report also showed multiple soft checks/promotional account reviews from the same company and its entities ; all different names but under the same company umbrella starting as early as XX/XX/2021. A timeline of checks include : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( hard check/credit pull XXXX Again, all of these companies are under the same company umbrella using a mail-order shopping magazine. I called XXXX 's back again and spoke with a supervisor, who again stated he couldn't find any of my information and I should call their credit department directly the next day. I did so and spoke with 2 different reps for over an hour confirming that they had none of my info and no way to know if my credit was pulled from their end. One rep did say that their was a special department for this situation, but I would not be allowed to speak with them and they could've and possibly sent a false verification back to Equifax verifying my info. He stated that he would have their credit department send a a letter to Equifax stating the incorrect verification and confirming that an inquiry was never solicited on my behalf. That letter was obviously never sent, because this inquiry is still on my report today. I disputed the same inquiry on XX/XX/2021 and Equifax resolved the dispute the same day still saying that it is factual. There is no way Equifax could have researched or looked in this incident and still found it factual based on the response of the company. I believe there is fraudulent activity under my name and with both companies.
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

RightPath Servicing has fraudulently charged me for insurance on my property. 
I will keep this simple, as RightPath Servicing seems to have difficulty recognizing their responsibility, or more likely, evading answering the simple question, Is Hazard Insurance different from XXXX XXXX? 
RightPath Servicing repeatedly took the position that my hazard insurance expired and I needed to purchase HAZARD INSURANCE in order to avoid them purchasing HAZARD INSURANCE on my behalf. 
As RightPath Servicing has stated in their response, they were not responsible for sending a letter dated XX/XX/22, a letter I never received, claiming to have purchased XXXX XXXX on my behalf. I was only made aware of the XXXX XXXX policy when I attempted to make my XXXX mortgage payment on line and noticed I was being charged a {$1000.00} increase per month for this XXXX insurance. I immediately contacted my insurance agent and told them I had been charged for XXXX insurance after being repeatedly told by RightPath Servicing that I needed to purchase hazard insurance. I filed a complaint on XX/XX/22 and RightPath Servicing responded on XX/XX/22 with a thorough description of what it was they were actually requiring, a XXXX insurance policy AND NOT HAZARD INSURANCE. 
RightPath Servicing expects me to pay for XXXX insurance they purchased after sending me letters, repeatedly, claiming I needed to purchase Hazard Insurance, not XXXX XXXX. My insurance agent could not make sense of XXXX position, from the repeated letters claiming the need for hazard insurance when I already had hazard insurance and sent RightPath Servicing proof of such. 

The simple question to RightPath Servicing is, where, anywhere, is XXXX insurance described or referred to as hazard insurance?. In fact, I have provided language from the largest insurance providers in the country, stating hazard insurance is not the same as XXXX insurance. 
How does RightPath Servicing justify charging for insurance that is completely different from what they requested I purchase? 

This is either extreme negligence or, more likely, fraud.
Consumer complaint received 2021-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.