davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1900.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

i don't remember the day my credit card was lock to do fraud / Around XX/XX/2020. since then i call them several time. the last time i had to send them picture of my Driver license front and back. that was about a month ago. an Capital one has send me a new credit card. i went to use it and it was decline. Well back in XXXX i add XXXX $ to the account but they still didn't. clear the fraud charge against it. what is XXXX I call today and first talk to XXXX id XXXX XXXX THEN I ASK HIM TO TALK TO HIS SUPERIOR SO HE TRANSFER ME TO XXXX ID XXXX  XXXX AND He gave me the run around and said the fraud department did resolve the problem yet. since XXXX They have been give me the run around because i'm a senior citizen. They are just harassing me. i'm tired of it/ i'm XXXX years old and should have to put up with this. 

Thank You
Consumer complaint received 2020-09-02
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. (CA)

I am a Victim of Identity Theft and Experian has not been providing me the protections and services required by law. The law states that since I am a victim of Identity Theft I am supposed to provide a completed FTC Identity Theft report and valid proof of my identity to Experian and as long as I do that Experian is supposed to BLOCK the accounts I am stating to be fraudulent.. I have made numerous attempts both over the phone AND in writing to get them to BLOCK fraudulent information ( see the attached for details of the accounts I am referencing ) discovered on my report and all I have received back from them is bogus responses saying that the creditors CERTIFIED to them that the information is true and correct.

First, they did NOT immediately block the information which they are required to do by law.

Second, they sent me a response letter saying that the companies CERTIFIED to them that the information was correct.

By law they are supposed to VALIDATE, not CERTIFY, by retrieving and providing ME with a valid contract with my signature on it. They have refused to follow the law and it has me and my family tremendously as we are trying to deal with a pandemic and their outright REFUSAL to follow the law is making it impossible to rebuild my credit due to these fraudulent accounts keeping my credit score down in the dumps.

Experian has been horrific with their customer service and their willingness to follow the law, and it HAS TO STOP. I am doing everything I am required to do by law and all I am asking in return is that Experian do the same by BLOCKING the fraudulent accounts. 
XXXX  AND XXXX have already blocked these accounts and did so without hesitation once I notified them because they KNOW and FOLLOW the LAW. 
Experian has been negligent and is violating my rights. They need to be STOPPED
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

XXXX, a subservicer for Lakeview Loan Servicing LLC,  intentionally makes fraudulent claims of late payments, repeatedly, in order to wear customers down and entrap them. They do this even when they have claimed the funds prior to the cutoff date for timely payment. I believe they are hoping the customers will get too busy and be unable to provide the repeated documentation they keep demanding based on fraudulent claims. 

I have provided documentation to prove their continued harassment and unethical behavior. It is more than fixing this single issue. They need to be investigated for fraud. 

While they responded to a previous complaint stating that the loan reference number did not match and that was their excuse for not applying the funds timely, there is no excuse. There are many data points that match, the loan has been paid in exactly the same method from the same source using the same information since XX/XX/2019. 

All of a sudden, they claim that because they issued a new loan reference number when they acquired the loan that they couldn't tie the payment together?? It's nonsense. 

The documents I attached here show unequivocally that they had the funds by the XX/XX/XXXX when the cutoff for timely is the XXXX of a given month. Still, they send a statement saying they have not received and charging a fee for late, neither of which is true. 

Truly, they are monkeying around with any way possible to charge fees exploiting people by consistently causing them to have to document things that have not been a problem until now. They are making problems. Why?? Someone needs to find out.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank refused to return {$17.00} claiming that they recently refunded late fees. 
The recently refunded fees were THEIR FAULT - I even had to go through CFPB to fix my credit history because Synchrony Bank reported the account as delinquent to credit bureaus, even though it was THEIR FAULT for accumulating charges on my credit card because they forgot to take care of some charges. 

Moreover it is absolutely ridiculous that Synchrony Bank is allowed to charge {$17.00} fee on a {$17.00} purchase.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CO)

My mortgage company, NewRez, LLC. charged me a fee of {$5000.00} for a Forbearance Plan ( XXXX, XXXX & XX/XX/2020 ). The said fee is described as " Interest Per Diem From XX/XX/2020 To XX/XX/2020, 121 Days@XXXX '' on the closing statement. This is extremely excessive and unbearable.
Consumer complaint received 2020-09-02
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. (NC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX   XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

This is the second time I am having to file a complaint against TD Bank NA and XXXX XXXX XXXX XXXX , XXXX in XXXX, OH for harassing us claiming to not have received proof of insurance on our home. We last needed to do this in XX/XX/XXXX. My wife and I have a 15 year mortgage with TD Bank since XXXX where we purchase our own property insurance independently to avoid the use of an escrow account. Beginning in XXXX, TD Bank and their mortgage servicing administrator, XXXX XXXX XXXX XXXX , XXXX,. have adopted a practice of harassment by " losing '' our submissions of proof of insurance threatening to force place insurance on our home. Every fall, we need to go through multiple instances of providing this proof of insurance only to have it be " lost '' multiple times. This has again occurred after proof of insurance was confirmed to be sent on XX/XX/XXXX @ XXXX and on XX/XX/XXXX @ XXXX after their previous request to have the proof of insurance sent to them. We have since received yet another letter from TD Bank, dated XX/XX/XXXX claiming to not have received proof of insurance and threatening to force place insurance on our home. Since this request has been met twice, I can see that we are again on a path of harassment despite promises to the contrary in XXXX following the last complaint. 

The issue is TD Bank 's use of a mortgage servicing company that has a vested interest in selling insurance -- so much so that their corporate name contains " Insurance '' in it. This establishes a conflict of interest to not competently satisfy the administrative tasks of  processing mortgage paperwork but instead to pretend to " lose '' the submitted proof of insurance from what is now a competing source of insurance. The apparent hope is to sufficiently harass homeowners to the point where purchasing insurance from outside of the insurance purchased through an escrow account is too onerous for the average homeowner.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (SC)

Ive reached out to this collection agency who is inaccurately reporting an illegitimate credit item on my credit report, in which is damaging my credit. This debt is no longer owed, as Ive settled it with the original debtor. This collection agency illegally purchased old debt that no longer exists, and now trying to ruin my reputation and credit. I am demanding that this negative item be removed, or I will seek legal action and report this company to the media.
Consumer complaint received 2020-10-14
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. (CA)

The company refuses to take any responsibility for incorrect information reported to the credit bureau. In the meantime, my credit has been ruined because it incorrectly reflects 90-day delinquency. I have been unable to refinance my mortgage as a result and have been denied credit. This has created a financial hardship for me. I have been given no timetable as to when this problem will be fixed and have asked for compensation from the company for my troubles and refused. This has become a very frustrating process and I understand that is has happened to several other borrowers.
Consumer complaint received 2020-09-02
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. (CT)

My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4.XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.
Consumer complaint received 2020-09-02
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)

I wrote certified letters to all three bureaus to remove all inacurrate data XX/XX/XXXX and todate nothing. 
I am escalating as i know it should not take over 30 days to get results or responses from bureaus. Can you help me please
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I leased XXXX XXXX XXXX from XXXX. THE LEASE was a 3-year lease. Date of the lease was XXXX OF XXXX. I made All of my payments on time. At the end of the lease, I was considering turning in the lease in XX/XX/XXXX. I spoke with XXXX XXXX XXXX and they told me that I could keep the vehicle until XXXX of XXXX. I elected to turn in the vehicle in XXXX of XXXX. I received a letter from XXXX XXXX XXXX THAT I OWED {$1600.00}. WE converse about the amount and could not reach an agreement. I contacted my attorney and we wrote a detailed letter about the money they claim owed. NO RESPOND IN WRITING FROM XXXX ABOUT ANY MONEY OWED. I checked my EXPERIAN credit report and found inaccurate and derogatory marks on my credit report. I sent EXPERIAN a letter concerning my credit report. Experian sent me a copy my credit report showing I was late in XX/XX/XXXX and XX/XX/XXXX. XXXX show the letters CO. THOSE LETTERS MEAN CHARGE OFF. FROM XX/XX/XXXX TO XX/XX/XXXX SHOWS THESE LETTERS ON MY EXPERIAN CREDIT REPORT.
Consumer complaint received 2020-09-02
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. (CA)

Our original XXXX mortgage was sold by XXXX to XXXX XXXX  in XXXX or XX/XX/XXXX. ALL PAYMENTS WERE PAID ON TIME UNTIL XXXX SOLD TO XXXX XXXX XXXX in XXXX.
Consumer complaint received 2020-09-02
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. (FL)

I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX Opened XX/XX/XXXX XXXX/XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Consumer complaint received 2020-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TX)

XXXX XX/XX/2020, I went online on Western Union website around XXXX to send exwife XXXX XXXX. 
The website stated XXXX charge for choosing money transfer within minutes. 
I paid for the western union transaction and within minutes I could see my bank paid XXXX + XXXX fees = XXXX I got email from western union within 10 minutes of this trasnactions stating that would be a 2 hours review.

I called western union Customer Service XXXX XX/XX/2020 around XXXX and they told me because covid19 could take 72 hours for western union to release XXXX I told customer service agent why they don't let customer know in advance that could take 72 hours to release money. If I had knew that my money would be put ON HOLD 72 hours. I would have try XXXX or XXXX or other online vendor that deals money transfers. 
Now I have no other options that to use XXXX to send another XXXX to my exwife because she needs to make payment 48 hours or be late.

western union tracking # XXXX
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northwood Asset Management Group (MI)

My sister called me and told me someone contacted her stating that they had her name and my name and social security number " red flagged ''. This was a lie. I told this company not to contact me. To only contact me by mail. 

Northwood Asset Management. 

They misrepresented themselves and mentioned my name to a third party.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NC)

After a thorough overview of the banking statements I have been charged for monthly maintenance fees, and I have direct deposits over XXXX. 

It was advertised when I started using the product that monthly fees were XXXX if the account had direct deposits totalling more than XXXX. 

On XXXX serve debited XXXX from the account to cover the monthly fee of XXXX with no negative balance. I received an email stating they took the XXXX " instead ''. 

It raised suspicion on fees assessed over my period of time banking with the company and in doing so I have been charged XXXX worth of fees, less other services I've used which charge fees. 

https : //www.serve.com/help/ ( fees chart )
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MD)

This company has failed to provide validation about this account unknown account that reflects a collection on my report. It's been over 4 months with no verifiable information about this debt belonging to me. This is huge violation of under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). They have also failed to provide method of verification as required under section 611 ( a ) ( 7 ).
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (NC)

The law clearly states : transaction between the consumer XXXX XXXX AND THE PERSON ( XXXX XXXX ) MAKING THE REPORT IS NOT INCLUDED ON THE CONSUMER REPORTS! 
A LATE PAYMENT IS A TRANSACTIONAL HISTORY, MY HISTORY WITH YOUR COMPANY. CONGRESS CLEARY STATES THAT THE REPORTING OF TRANSACTION THE EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE NOT INCLUDED IN THE CONSUMER REPORTS. YOU HAVE VIOLATED THE FCRA 15USC 1681IA 2AI BY REPORTING THIS TRANSACTION OR EXPERIENCE ON MY CONSUMER REPORT WHICH CONGRESS CLEARLY STATES IS NOT INCLUDED ON MY CONSUMER REPORTS. YOU HAVE 10 CALENDER DAYS TO UPDATE MY PAYMENT HISTORY AND OR DELETE ALL LATE PAYMENTS FROM THE ACCOUNT FAILURE TO RESPOND WITH DELETION OF THE ABOVE LATE PAYMENTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR COMPANY FOR WHICH I WILL BE SEEKING {$1000.00} PER VIOLATION : 1. DEFAMATION OF CHARACTER 2. NEGLIGENT NON-COMPLIANCE 3. CIVIL LIABILITY 4. MENTAL ANGUISH 5. FAIR CREDIT REPORTING ACT 15USC 1681 VIOLATIONS WILLFUL NON COMPLIANCE -616 CIVIL LIABILITY FOR WILLFUL NON -COMPLIANCE ( 15 U.SC 1681 IN )