davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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: ALLY FINANCIAL INC. (PA)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code $ 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Transunion : XXXX  XXXX XXXX / XXXX Account number : XXXX *** Transunion XXXX Account number : XXXX XXXX  : The XXXX XXXX XXXX Account number XXXX *** XXXX XXXX Account XXXX 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 my 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 antedate 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 reporting consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

SLS is continuing its pattern of refusing to abide by the federal statutes and regulations relating to PMI, with this case applying to our home located in XXXX, Florida. We have invoked our right under the Homeowners Protection Act to have an appraisal done on our home due to substantial improvements to cancel the existing Single Premium PMI policy. Even after two requests, SLS refused to initiate the process to remove this PMI policy, which is currently in effect. I am not sure if they are so negligent regarding the administration of the Homeowners Protection Act that they do not understand its basic provisions, or if this is purposefully done. 
I have attached : ( 1 ) our initial request on XX/XX/2022 to have the PMI removed based on substantial improvements and their denial to initiate the process to have the PMI removed on XX/XX/2022. They stated there is no PMI " being paid '' but that was not what the request was based on. We want a proportional refund because the PMI is no longer needed ; ( 2 ) our second request on XX/XX/2022 further invoking our right under the Homeowners Protection Act to have the PMI removed and proportionally refunded based on the substantial improvements. Their response in this case was simply egregious. They stated that the only way we could have the PMI removed was via a refund. I am not sure how many people they have tricked into refinancing their loan just to have the PMI removed ; ( 3 ) Details about the existing PMI policy with XXXX from our SLS portal ; and ( 4 ) The XXXX Refund Schedule.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MD)

Received a email and a mailer from TJMAXX for promotion to receive XXXX points when you make {$100.00} or more in total purchases outside family of stores using XXXX XXXX XXXX. Promotion dates were now to XX/XX/2022. This card and mailer indicated " EARN REWARDS ON ALL YOUR PURCHASES. On XX/XX/2022, I made XXXX of purchases as required by promotion. Approximately early XX/XX/2022 I engaged in a online Chat to see when the points would be rewarded. The online representative advised that she saw the purchases and that I would receive the corresponding points on ALL purchases but that It would take 1 to 2 billing cycles. XX/XX/2022 I called customer service and inquired once again about the points. After waiting for her review, she too advise that she saw the purchases and could not explain the delay but that the points for all the purchases would happen next billing cycle. XX/XX/2022 I called again to inquire about the points that I still had not received but this time I was told that one purchase did not qualify. I ask the representative to forward a email indicating why that purchase was excluded NOW and what items are excluded during future promotions. He advised that he would send document by postal mail. To date I have not received the mail nor the promotional points.
Consumer complaint received 2022-09-15
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 previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 

Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount. 

XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX {$810.00} XXXX  XXXX {$790.00}
Consumer complaint received 2022-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (AR)

NCB Management claimed they sent an email to XXXX on XXXX XXXX. After carefully checking my spam folder and inbox I only show two emails from NCB Management. This is a Request for NCB Management to provide proof of the initial email notifying me of this alleged debt on XX/XX/2022, and a copy of the purchase agreement. The emails I have from NCB Management I will include as an attachment are dated XXXX and XXXX. NCB Management reported this fraud-related account to my credit report on XXXX not providing me 30 days under the FDCPA 15 USC 1692g ( 3 ) to dispute the alleged debt. Also, NCB Management is violating 15 USC 1692e by using deceptive tactics by accusing me of e-signing documents and receiving money without showing proof. If NCB Management doesn't provide the requested information, then should cease collection and remove this account from credit report or face litigation and penalties.
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I sent a PMI removal request to PHH Mortgage in XXXX and now it is XX/XX/2022 and they have not sent an appraiser to have the value of my home considered. The Homeowners Protection Act says a homeowner can request the PMI removal once the value has fallen below 80 % LTV. In XXXX we provided PHH with a BPO listing 6 homes that had sold within the previous 3 months that would put our loan well below 80 % LTV. All of those home were within 100 sq ft of mine, did not have a pool, and had similar upgrades. PHH has collected and not refunded the {$150.00} we paid for the appraisal process to remove the PMI nor have they cancelled the PMI which is {$71.00} a month. Had interest rates remained where they were a year ago we would have just refinanced to get away from them but the new rate would be over double my current rate.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have called Transunion on three different occasions at XXXX to dispute incorrect personal information attached to my consumer profile. All three calls ended up in either a purposeful disconnect or a broken promise to remove such items from my report. The agents ask for personal information and end up disconnecting the calls. You're violating Federal laws. This is my last attempt.
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-11-13
Product: Credit reporting 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. (IN)

By the Fair Credit Reporting Act, the unauthorized inquiry has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The inquiry below has violated my rights. 15 U.S.C 1681 section 602A. 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 inquiry 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 ) ( a ) 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. Delete the unauthorized inquiry below : Creditor Name : XXXX, Date of inquiry : XX/XX/year>, XXXX : TransUnion
Consumer complaint received 2022-07-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$500.00}
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (NY)

As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on these accounts because they are reported wrong. You should corroborate your information and remove the negative information on these accounts. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 Experian is 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 items from my 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 creditor. Please correct or update the accounts below : XXXX XXXX, XXXX UT XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

In XX/XX/2022, I spoke to a really nice representative at Sallie Mae asking about why one of my student loans suddenly came out of deferment. I am still in school and was under the impression that the loan would be deferred while I was still in school. The representative was understanding and informed me that there is only a 48 month time limit on deferment. 
She also indicated that if I pay 4 months or 4 payments, I will be eligible for assistance with my loans. 

I did that and contacted them last week. We went through a financial statement where they went over the expenses. They stated that I was in a negative cashflow, which I already knew and why I was asking for help. They went through the same process with my cosigner, my mother, who is also struggling at the moment. Their only solution was to get someone else to guarantee the loan when they are helping me. This made absolutely NO SENSE and infuriated me. Essentially they are trying to rope someone else into the situation so that they can sue someone else and ruin their life as well as mine and my mother 's. I was NOT told that this loan would only be in deferment for 48 months. The initial loan was very small and has ballooned to a ridiculous amount. They amortize the loan in such a way that the interest is ridiculously high and then play these political games to place blame on the student for not knowing better. This is predatory and victim blaming. They are legal loan sharks that the government has allowed to oppress and entire generation of students and we wonder why there is so much economic distress in this country? The people who need student loans are not people who have money. They are people who are trying to improve themselves and go through school. I am not lazy and am working 3 jobs while going to school full time. As a non-traditional student, I have expenses above and beyond traditional students. This experience is hard enough without having to have loan sharks breathe down my neck. The current representative that called took what I said about their predatory practices and then blamed me for signing for the loan. I know I am in financial distress, they have told me that they would rather me go bankrupt than help me unless I give them another person to harass, and now I have to deal with their unscrupulous and brainwashed representatives that just push their threats onto me. I do not understand how this practice is legal. When they promise help, all I wanted was for them to have me pay {$50.00} instead of {$110.00} per month. I am supposed to graduate next summer so we are also not talking about a large amount of time. The way they do business is " legal '' because the lawmakers have lobbyists lining their pockets with money. This is unacceptable to have conditions for people who are in temporary financial distress, thereby ensuring that myself and my family will be harmed further because of their practices. They need to be stopped.
Consumer complaint received 2022-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MN)

I have been getting charged {$240.00} XX/XX/22, for Insurance ( not mortgage insurance ) on my home, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, MN XXXX. 

I do carry insurance on my home and have since it was purchased ; XXXX XXXX XXXX  XXXX. This has been communicated, repeatedly, to Chase, yet I am still seeing charges for an additional insurance plan from Chase. 

I have communicated this to them multiple times yet continue to see this additional charge on my bill.
Consumer complaint received 2022-12-07
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. (MA)

XXXX 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 XXXXXXXX, has violated my rights. 

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

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

15 USC 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any 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 USC 1681s2- ( 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 2024-12-06
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Delay Group DBA The Debt Management Group (CO)

They have my information and requested a XXXX. Now Im questioning the legitimacy of the company. The company ran an add through the radio to call their number to find out what options and programs they could offer. After a XXXX min phone call, XXXX kept trying to pressure me into signing a contract with his company and now i receive constant phone calls and emails. I have contacted him directly this morning and told him i was not interested and to lose my contact information and do not contact me. 

They are predatory and aggressive. Seems like a good scam company they are running. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX These predatory business practices should be Illegal.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to report. Here is the list of items that do not belong to me or were opened without my permission. XXXXXXXX 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 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 XXXX According to FCA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I have had a hold on my account since XX/XX/XXXX. I have not been able to access my account and was told that it was being closed, Nothing has happened on the account since that date. I am trying to buy a house and my credit score has decreased by XXXX or more points, with no explanation! I need my money! Please have my funds released so I can purchase my home! Wells Fargo continues to move the closing date of when I can access my funds! The account has not been closed and the funds have been verified to be there! {$10000.00} is being held from me, Please resolve this matter.