davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

We have had issues with homeowner 's insurance, as we are in XXXX  on a XXXX XXXX Last year we found a company that would work for us and the escrow account wasn't high enough so we had to pay out of pocket and pay extra into escrow to cover this year 's premium. Although we had been paying as required and gave all the information about the insurance company to Mr Cooper and our account online said the payment would be made by XX/XX/XXXX Mr Cooper did not actually plan to do this payment. I had to call 3 times for a total of 3 hours on the phone, during which their agents were disconnected and never returned my calls. The same happened to my husband. Each time I called I was given different, conflicting information. They claimed they would call the insurance broker, which they did the second time I called, but they never made a note in our account as to who they called or the phone number. They asked the agent to call back at a number that doesn't receive incoming calls. Finally I talked to the 3rd representative and asked for a manager. She refused to transfer me, she said she was trained to handle situations like this. She said the payment was NOT set to be done by the XXXX even though other agents and the online account said it was scheduled. She also called our broker. They were refusing to issue a check to the broker even though it is all listed on our policy. When she finally agreed to do so the check was going to arrive in 3-5 days and would potentially be late. I suggested they overnight it at their cost and she refused. They had all the information but are not using the escrow fund for what it is supposed to be used for and not upholding their end of our contract which may cause us to lose our policy if this payment does not arrive in time.
Consumer complaint received 2022-07-07
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-07-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I turned in the nissan XXXX  in pristine condition. They accepted my vehicle. Then they're trying to say I had over {$1000.00} of damage.
Consumer complaint received 2022-10-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (NV)

I applied for an extension of credit today for personal, family, and household use and was denied by XXXX XXXX Prosper Marketplace Inc XXXX According to federal law in accordance with the Equal Credit Opportunity Act, it is against the law to proclaim adverse action against a consumer. I, a natural woman and living soul issued value ( my social security number ) for a request of credit and am demanding proceeds be paid. An offer of credit was extended and accepted but XXXX failed to perform as agreed. I have XXXX given unalienable rights, and nothing trumps those rights. I have attached my denial showing evidence of discrimination, making XXXX criminally liable. I have also attached my adverse action letter stating XXXX rectify this affair, otherwise this would be considered an unauthorized use since I received NO BENEFIT!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Fresh Holdings Inc (PR)

To whom it may concern, I XXXX XXXX XXXX have requested two times that the information from Credit Fresh or XXXX be removed from my credit report since I did not authorize or open any accounts with your agency. Therefore, Im requesting Credit Fresh to cease and desist all contact methods and to send me a debt validation letter. I have frozen my credit report and report it the fraudulent account to all credit bureaus and also I report it to identity theft. Some of the laws you may be subject to are as follows : 18 U.S. C. 1028 Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. 
Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet.
Consumer complaint received 2022-08-09
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. (NY)

n accordance with the Fair Credit Reporting act Department Ed XXXX Accounts ( XXXX in total ) Late payment in all accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction
Consumer complaint received 2022-07-07
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: Bread Financial Holdings, Inc. (CA)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

Hello, That would be a second complaint on CIT Bank and their XXXX  company ( XXXX  ). 
So let me explain a situation I'm now. I was making payments and my credit report got an alert was saying it looks like I'm missing payments. I have looked at XXXX XXXX and shows the the second mortgage at CIT bank, then runs by XXXX is past due, so I thought well I paid it should be get current. But it's still continue same situation. So I have log into the account at XXXX and found I past due XXXX dollars even I paid XXXX dollars per XXXX  XXXX XXXX statements. So the XXXX specialist suggested me to send email to Research Payment at XXXX. I did they replied me with this : " Thank you for contacting us! 
The payments were refunded to your bill pay service on XX/XX/22 & XX/XX/22 & XX/XX/22, please contact them about the payment refunds. Feel free to contact us if you have any further questions. Were always happy to assist you. 
Have you checked our website? Our Frequently Asked Questions page may have the answers youre looking for. '' So I checked with XXXX  XXXX XXXX ( my checking account ), they said they have tried several time to submit payments but it was return back!!!. 
So I called the XXXX and they said it's because balloon mortgage loan, so it's due the whole amount. 
So this is important part : I have never got a full statement to pay all XXXX dollars balance, I have never been communicated from XXXX or CIT bank that is needed to pay a full amount. No-one called me from CIT bank to tell me that is needed to be payoff. 
I have attached latest statements that shown I owned the current payment due but not a full balance!. It's looked like they are trying to foreclosure the house under no communication with me at all. Where is the true in this situation!!!
Consumer complaint received 2023-01-29
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. (MD)

Its been XXXX since XXXX XXXX deleted a trade line on my credit report. I have submitted multiple disputes for the trade-line to be removed and Experian continuously verifying account meaning no investigation was done on the first place. Fair Debt Collection Practices Act FDCPA XXXX [ XXXX XXXX XXXX ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the unconfirmed tradeline. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation XXXX. Negligent Enablement of XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of XXXX XXXX XXXX et seg, this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. something de done Please Note : This notice is an attempt to correct your records, and any information received from you will collected as evidence should any further action be necessary. This is a request for information only, not a statement, election, or waiver of status. 

Attached is documentation from XXXX XXXX XXXX  stating account had been deleted but upon checking on report, account ( tradeline ) is still active on credit report. DELETE THIS UNCONFIRMED ACCOUNT IMMEDIATELY!!!
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 2022-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I initiated a XXXX transfer of {$150.00} to my friend to her phone number and her full name XXXX XXXX ; but 5 days later my friend was asking about the XXXX payment ; then I realized I misspelled the last digit of her number as " XXXX '', ( the correct number is XXXX ), and the fund was sent to the owner of that number, even when the name of the recepient did not match my payee 's. 

I contacted CHASE but was told that they can try to recover the fund, but with no guarantee. I also contacted the actual recipient of the fund, who acknowledged the situations and agreed my bank 's future action for the recovery.

I contacted CHASE a week after my initial dispute but did not hear any update but replied with the same statement : " We'll try, but no guarantee. '' I explained to CHASE this is a very obvious loophole for money laundering schemes, and CHASE shouldn't have sent the fund in the first place due to name and phone number mismatch, and they could not give me any answer.
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (MO)

Upon reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX PL XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-07
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. (MT)

Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

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 UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, my daughter and I won a judgement against XXXX XXXX XXXX in small claims court. We went weeks in the winter of XXXX - XXXX with no heat. We notified them that we were breaking the lease and filed a suit against them. 
As you can see from the attached summary judgement, we won the case and they had to pay us. 
After this, XXXX XXXX XXXX has come after us for the remainder of the lease amount, but that is fraudulent. We won our case against them, so we owe them nothing. I contacted the credit bureaus about this and showed them proof, ( the judgement ) but Experian will not remove it.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After various attempts to resolve the issues had with Capital One, they continue to cause detrimental harm to my reputation through oppressive and coercive means. I have provided documentation of billing errors, requested the cessation of utilization as it is against XXXX XXXX XXXX ( d ) ( XXXX ) ( A ), and to opt out of nonaffiliated third party reporting but to no avail, Capital One has blatantly and intentionally denied and deprived my consumer rights. Capital One has violated my consumer rights against the FCRA, TILA and the GLB Act. PLEASE SEE ATTACHMENT.
Consumer complaint received 2022-07-06
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. (ID)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, also known as XXXX XXXX XXXX  XXXX XXXX XXXX , has violated my rights. 

To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of. 

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information. 



15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer. 



They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I XXXX XXXX sent in a letter to XXXX, XXXX, and Transunion. Please see the attachment for my full complaint.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I was behind on my car note that resulted in a repossession. The car was in their custody for a total of XXXX days. The date was XX/XX/2022. I was instructed to pay a payment of {$2200.00} to retain my vehicle. This was to cover XXXX months of payments that I was late on. I paid it on XX/XX/2022. I received my car back on XX/XX/2022 from the lot. I recognized that balance on the account that is not being reported to the bureau in its current state. I also noticed that my car is currently being reported in a closed status but the car is in my possession. I would like the status of my account to be brought back to a open status and the account balance to reflect the amount that it should be after my payment on all three bureaus.