davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
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. (TX)

I been having a lot of difficult issues with Experian regarding a alleged debt thats reporting on my consumer credit report. Ive tried multiple times calling and disputing this item and no action have been taken seriously! I am tried of this XXXX as so called investigation they do. Theyre violating my rights as a consumer.
Consumer complaint received 2021-08-05
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. (PA)

For the 4th straight month XXXX  has inaccurately reported my account as late to all three credit bureaus ( XXXX  Experian XXXX  ) each month a investigation is launched and is found that XXXX  has yet again reported inaccurate information ( and each time they admit and apologize for the inaccurate information ) but this time they have decided that they were going to report the month of XXXX  as late even though that it was NEVER late and was never reported as late until XXXX  ( again was already reported as paid on time and current to credit bureaus until XXXX  ) this is VERY inaccurate as I have never missed a payment
Consumer complaint received 2022-06-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MN)

My mortgage company granted me a 12 month forbearance, that ended XX/XX/XXXX. Throughout my forbearance I kept in contact with them. I was always told that when my forbearance ended, I would need to submit a Mortgage Assistance Application for further evaluation of my situation. I was led to believe that I would be able to possibly have my interest rate lowered or somehow have my payments lowered to be more affordable. My situation has not changed and when I got back the evaluation dated XX/XX/XXXX, they wanted to raise my interest rate, extend my mortgage, which of course raised my payment. I could not agree with those options, so I was told to submit another Mortgage Assistance Application. I faxed it XX/XX/XXXX. I got a letter, also dated XX/XX/XXXX, that pretty much kept bringing up the option of Short Sale. They indicated with a new application they could, again, review my expenses to determine affordability of a repayment plan. 
Never before had any correspondence asked me to submit my expenses to be considered. The applications requested income information. Had they considered my expenses, the review would have had a completely different outcome. I am unable to upload documents to send, I will need to fax them, if I can somehow get your fax number?
Consumer complaint received 2021-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northwood Asset Management Group (AZ)

I received an email from NAM Group on XX/XX/XXXX regarding a debt to XXXX XXXX. I typed up a letter for verification of the original debt ( attached is a copy of the letter ). I mailed it via USPS on XX/XX/XXXX ( XX/XX/XXXX there was no mail due to the holiday ). I did not receive anything back. Collection calls ceased and then resumed this week. Ms. XXXX at telephone number XXXX left a voicemail again this morning. I called back and informed her that I sent the verification of the debt letter and did not receive anything back, so I was not comfortable speaking further on arrangements until I received it. She placed me on hold for about three minutes and during that time I received an email from NAM again. It was the same letter I had received back in XXXX, just outlining NAM 's intentions, the creditor, and the amount, but was still not a verification of the original debt in any way. 

Ms. XXXX came back on the phone and stated she sent me the verification letter. I explained the above, that it was the same letter and not a verification of the original debt. Ms. XXXX became very upset and said that she was calling to offer me payment arrangements and that " You took out a loan, you know what you owe, we don't need to prove it ''. I explained I have rights to verify the debt, and did so in writing by requesting several documents to do so. She cut me off and said she would not/could provide me verification of the debt and then said " There is nothing I can do for you then. I am closing your account and writing that you are a refusal to pay. '' She then hung up on me before I could do anything further. 

Not only was what she did falsifying records on my account ( as I never stated I was refusing to pay, nor did I ask her to close my account ), she also was refusing to provide what is mandated legally under CFPB ( a verification of debt ). She also made threats by stating there was nothing further to be done, that my account would be closed, and that I would have a demarcation of " refusal to pay '', which I came to find out was not true after speaking with another agent. This was an array of violations by refusing to provide verification of debt, making false statements, threatening negative action on my account, making threats that are not true. 

I have attached the original email from XX/XX/XXXX, the email Ms. XXXX sent me that she stated was verification of debt, the copy of my letter sent XX/XX/XXXX, and the email sent to NAM 's general email box today after my interaction.
Consumer complaint received 2022-06-19
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. (AL)

XXXX accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am requesting the removal of inaccurate credit information from my TransUnion and XXXX credit bureau. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I have reached out to both before and get the generic answer that they are looking into it or unable to find that I have a XXXX  Credit bureau. I reviewed a copy of my credit profile for both credit bureaus and confirm that there are inaccurate inquiries that are reporting on the credit bureau. I have never consented for my credit to be pulled and need for you as the reporting company to provide me with proof I consented to having my credit accessed. IF you are not able to provide me with that proof I need these removed immediately from my XXXX  and Trans Union Credit profile. 


TransUnion : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will investigate these inquires with the creditors who have posted them. Please remove any information that the creditor can not verify. I understand that under the 15. U.S.C Sec 168i ( a ) you must complete the investigation within 30 days of receipt of this letter and provide me with the requested information. I am also asking for you to remove all fraud alerts that you have on my TransUnion and XXXX. I have never authorized or gave permission for these alerts to be placed and want them removed immediately. I have attached my drivers license for you not to send me a letter lying and telling me you are not able to verify me.
Consumer complaint received 2022-11-06
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. (TN)

I sent a letter out on XX/XX/2022 to XXXX, Equifax, and XXXX. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-11-07
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. (NY)

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that these matter can be resolved as soon as possible. 
XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$150.00}.
Consumer complaint received 2021-08-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CAINE & WEINER COMPANY, INC. (MD)

My main complaint is I had XXXX XXXX and I was XXXX XXXX in the worst way. These finance companies get huge money from the Government and don't share the relief or pass on what they know they are supposed to do. XXXX XXXX XXXX gave me a payday loan in which their interest rate changed more than once. At the same time, they shopped my credit to other brokers which they ran up roughly over 60 inquiries, that started the XXXX of my credit. They used Caine & Weiner to place this on my credit, knowing that the government passed a mandate that All Finance Companies are supposed to abide by the law of relief. I am feeling the effect of these damages and I can't even refinance my house cause the Delta Covid 19 is here and I am trying to handle this before this gets even worst. These companies understand their wrong doing. This mandated law has a debt forgiveness. This company is not exempt from this law which needs to be applied to this debt. Thank you
Consumer complaint received 2021-08-05
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. (OH)

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccountsXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Third-Party Collection Agency unable to validate debt. Other problems have included debtbuyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously disputed debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.
Consumer complaint received 2021-08-05
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. (IL)

There is a 30 day late payment reported on my Experian and XXXX  report and a 60 day on my XXXX. I believe this report is in error. I have reached out to Disputes PO box provided by XXXX XXXX  on 3 occasions and did not receive response.

I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years. 

Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue. 

Contacted bank again that day, was told need to escalate case will hear back in 24 hours, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then transferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute. 

Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and " we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late.
Consumer complaint received 2021-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

The company is Zelle and I ( XXXX XXXX ) was a victim of a rental scam. I went out to look at the site and called the Realtor to find out about if the property was up for rent. The realtor told me I had been defrauded and to get my money back. 
I immediately proceeded to contact XXXX XXXX and report the incident. XXXX XXXX went and argued with Zelle about their red exclamation point regarding unregistered users and that funds would be returned to the user in 10 days. The 10 days came and went and the funds were never deposited. 
Zelle outsources customer service so that was useless to try and accomplish anything. 
These are the dates of the transactions via the Bank account XX/XX/2021 XXXX XX/XX/2021 XXXX
Consumer complaint received 2022-02-25
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)

Hello my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately ( I LOST MY SOCIAL SECURITY CARD AS A VICTIM OF IDENTITY THEFT. I WAS ABLE TO ATTACH MY FTC AFFIVDAVIT, LETTERS TO EACH CREDIT BUREAU, AND THE TWO FORMS OF ID I CAN PROVIDE. )
Consumer complaint received 2021-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am requesting the removal of inaccurate credit information from my TransUnion and XXXX  credit bureau. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I have reached out to both before and get the generic answer that they are looking into it or unable to find that I have a XXXX  Credit bureau. 

I reviewed a copy of my credit profile for both credit bureaus and confirm that there are inaccurate inquiries that are reporting on the credit bureau. I have never consented for my credit to be pulled and need for you as the reporting company to provide me with proof I consented to having my credit accessed. IF you are not able to provide me with that proof I need these removed immediately from my XXXX  and Trans Union Credit profile. 

TransUnion : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX  Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Mortgage XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will investigate these inquires with the creditors who have posted them. Please remove any information that the creditor can not verify. I understand that under the 15. U.S.C Sec 168i ( a ) you must complete the investigation within 30 days of receipt of this letter and provide me with the requested information. 

I am also asking for you to remove all fraud alerts that you have on my TransUnion and XXXX. I have never authorized or gave permission for these alerts to be placed and want them removed immediately. 

I have attached my drivers license for you not to send me a letter lying and telling me you are not able to verify me.
Consumer complaint received 2023-04-17
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC (NJ)

Hi Team, I was in the process of taking over a car lease from a seller, and as part of the process, I had to submit to a credit application check to BMW Financial Services earlier today. 

An hour ago, I received an email asking me to call the number ( XXXX ) and was informed that my application was denied, and no reasons were given. The only suggestion was to reapply again with a cosigner or ask for a refund of the credit application fee ( I had paid {$530.00} today ). Despite repeated requests, no explanations were given. Kindly note, my credit score is good ( XXXX ). 

I called back the company few minutes later ( XXXX ) and spoke to a different representative, who told me that the reason for my credit decline was that I am not a XXXX XXXX XXXX XXXX holder. I have been legally residing in the XXXX since XXXX and am currently on a XXXX XXXX XXXX ( valid until XXXX ). 

I explained the above, however the company refused to hear me out and stated that as I am not a XXXX XXXX XXXX XXXX holder, I can not be approved of the credit check. 

This is the first time I have been declined a service owing to my visa status. Request you to kindly look into this practice of discriminating against legal immigrants.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NM)

on XX/XX/XXXX I opened up a market savings account I opened it cause of the good apy that was offered anyways XX/XX/XXXX deposited {$100.00} XX/XX/XXXX deposited {$7500.00} and XX/XX/XXXX deposited {$150.00} I have a total of {$7700.00} that discover is trying to steal from me they frozen my account on XX/XX/XXXX I have been trying to call them without no success I have been trying for over 4 days now I get put on hold for 3-4 hours and then they hang up on me All my money is in that account and I couldnt even have access to my money I had no way to pay for rent or buy groceries I also have XXXX and couldnt even get my medication this has put a big hazard in my health and life so I had to get a {$3000.00} Loan just so I can keep a roof over my head and medication that is over {$700.00} something needs to be done about discover they have taken money from others as well I also had to sell some of my things in order to finish paying off my bills I have all proof of shut off notices and deposits into the account this bank is the worse