davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending this dispute to exercise my rights under FCRA. This company is in violation of the following.

Pursuant ( 15 U.S.C 1681 section 602 A. ) States I have the right to privacy but this company is reporting items that I have not authorized them to report which is also a form of identity theft.

Pursuant ( 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ) I have attached the corresponding dispute letters that apply to this dispute. I have tried to deal with this company directly but they are unlawfully disregarding and undermining my rights with stall letters.

If this company is not able to produce my wet signature as proof of contract then these claims are dishonorable and must be removed from my consumer report.

I request the CFPB to implement and enforce my Federal consumer financial rights under law for the purpose of ensuring that I the consumer, have access to markets for consumer financial products and services and that the markets for consumer financial products and services are fair, transparent, and competitive. As stated within the MEMORANDUM OF UNDERSTANDING.
Consumer complaint received 2022-08-04
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. (GA)

First this account is not mine. Second, it has been reported different on each credit report. One says open, one says closed, and the payment history is different on all three.

15 U.S.C. Sec. 1681i ( a ( delete if inaccurate ) I have reported this and nothing has been done. 
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX  XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions and consent. 
15 U.S.C 1681c. ( a ) ( XXXX XXXX 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 ) ( XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (CT)

On XX/XX/22, Discover lowered my credit limit from {$30000.00} to {$900.00}. I called Discover on XX/XX/22, at XXXX XXXX. XXXX, the representative, advised that a soft pull was done on my XXXX consumer report which I did not expressly authorize in writing, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I advised her that Discover had violated my federally protected consumer rights.

Discover 's actions in reducing my credit card limit from {$30000.00} to {$900.00} is discriminatory and in violation of federal law. Specifically : 15 USC 1602 ( f ), 15 USC 1602 ( p ), 15 USC 1691 ( a ) ( 3 ), and 15 USC 1681b ( a ) ( 2 ). 

XXXX said promised that a supervisor would call me back within 24-48 hours. It has been 72+ hours and I have not heard back from Discover. My rights have been violated and nobody has tried to assist from Discover. I have suffered harm, injury, and emotional distress from this situation.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

THIS IS NOT A DISPUTE. EQUIFAX BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EQUIFAX ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was attempting to refinance my home, when the Loan officer pulled my credit and advised my of this collection/foreclosure on my account. I have never owned a home until XX/XX/2019 and I have never had a mortgage with XXXX  XXXX XXXX.
Consumer complaint received 2019-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from MIDWEST RECOVERY SYSTEMS in XX/XX/2017 in the amount of {$410.00}. First and foremost, I have confirmed that the debt collector, MIDWEST RECOVERY SYSTEMS is not licensed in the state of Texas to collect on this debt. Secondly, MIDWEST RECOVERY SYSTEMS violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to MIDWEST RECOVERY SYSTEMS? I have never heard of them, have no written contract with them and have never received any benefits from them, yet MIDWEST RECOVERY SYSTEMS has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$410.00}.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX & XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-05-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK (FL)

In XX/XX/2021 I began having problems with Discover Home Loans, until then payments were always made in a timely manner. In late XXXX I was asked to send proof of flood insurance, which I did. However, a forced insurance policy was placed on my loan and the payment went from {$440.00} to {$1300.00}, due to an escrow account that was added. After numerous phone calls with Collections, Insurance Department and Customer Service nothing has been done, after I have been reassured time again that the matter was going to be fixed by XXXX. I keep receiving calls from Collections on practically a daily basis, the last agent told me that I may be at risk of my property being foreclosed. This is preposterous, I have told them time and again that I am willing to pay the monthly payment that was agreed on at loan inception, the company will not allow me to pay anything but the {$1000.00} online or with a collections representative. 

I am at my wits end and I need resolutions with this issue, they are at fault, I have given them what they asked for and they have force placed insurance coverage causing this issue.
Consumer complaint received 2024-11-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

After reporting that the Home Depot credit card charge of {$XXXX} was neither mine nor authorize by me, they cancelled the card and sent a new one. Their fraud department began an investigation. They requested that I make a police report and send a copy of my driver 's License. I included in addition to the Police Report and Driver 's license, a copy of my work schedule and work Time Card showing that I was schedule to work on XX/XX/year> from XXXX to XXXX. The fraudulent charge occurred at XXXX XXXX XXXX XXXX XXXX store in The XXXX at XXXX and I work in XXXX and was at work until XXXX. I sent information they requested to the address they gave me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I sent this with the XXXX XXXX mail with Tracking XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> at XXXX XXXX XXXX and again I sent them a fax message through the fax number they gave me at XXXX XXXX XXXX XXXX on XX/XX/year> XXXX XXXX Eastern Time. 
On XX/XX/XXXX I received a letter from them saying they have determined that the transactions were mine. they reach this conclusion without considering any of the information I sent them. Additional supporting evidence available on request including a XXXX XXXX receipt bearing some else 's name, telephone number and address and address. 
I found out on Monday XX/XX/year> from XXXX of their associate that no information was ever received from me. they reach a conclusion without considering my side of the issue and I have evidence of providing them with more than the information they requested from me.
Consumer complaint received 2019-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from LUNV FUNDING in XXXX of 2017 in the amount of {$280.00}. First and foremost, I have confirmed that the debt collector, LUNV FUNDINGis not licensed in the state of Texas to collect on this debt. Secondly, LUNV FUNDING violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to LUNV FUNDING? I have never heard of them, have no written contract with them and have never received any benefits from them, yet LUNV FUNDING has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$230.00}.
Consumer complaint received 2022-08-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NY)

So back in XXXX I did a refinance mortgage fha with a company XXXX XXXX. The loan was bought by freedom and paid to freedom starting XX/XX/XXXX. As I was paying freedom I received XXXX mails and calls from XXXX saying their was a compliance issue and they need me to do another refinance left v mails they would make it fruitful and emails I have all. I called freedom they said nothing was wrong XXXX my mortgage. I continue to pay and XX/XX/XXXX I called freedom to make payment they said the loan was sent back to original loan officer at XXXX and should I have gotten a letter or call. Which I didnt. Then XXXX XXXXXXXX XXXX called me to meet. I met with him a another loan XXXX XXXX cabals. My husband and another attorney XXXX XXXX they proceeded to tell us their was a compliance issue XXXX original refinance and we needed to do another one and they would make it beneficial to me. I refused and contacted the fbi and got a attorney. The company attorney for them was XXXX and he kept calling me to tell me they will give me XXXX months free. I said call my XXXX. Me and my son XXXX XXXX met with the fbi in XXXX. Gave them flash drive all documents. Im XXXX office in ny. I have never received anything from this company. I have been paying my own home owners and taxes I have all proof. Now I have a attorney XXXX XXXX PC XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX phone XXXX. I retained him XXXX his been working on my mortgage fraud case since. Now we have a company reporting on our credit report BSI financials XXXX XXXX XXXX XXXX XXXX PA XXXX. Phone XXXX. XXXX they own my loan which they couldnt. Cause Im In Supreme Court with XXXX contact my attorney. They keep changing things saying amounts are ridiculous and Im In foreclosure which im not and then sat delinquent status missed payments from XX/XX/XXXX. I have never received paperwork or anything in mail at all this company then changes says deed in leu. Then says bank liquidation. I have police reports on them I submitted to credit bureaus also This company puts conventional loan which is not. Both company are in violation of nys mortgage laws and also fha violations and consumer mortgage violations. XXXX also made the mistake and recorded XXXX different things on my deed. They also stole XXXX from me. I paid to have my husband added on deed At original refinance. They took advantage of me during this whole Process of mortgage fraud. Im fighting them in Supreme Court. I would Like XXXX XXXX off my experian report. As I have XXXX Police reports not from any state troopers They are the only Ones that are refusing to take off and this is violating the police report and my credit rights. I also had a report with CFPB back in XXXX with a XXXX. Who didnt ever get back to me just dropped off the report was against XXXX XXXX XXXX XXXX can look up. My name
Consumer complaint received 2019-10-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (SD)

I completed the application for an income driven repay plan and submitted it. The info from the federal govt including tax info from the IRS went to AES and XXXX. AES is sending me letters stating they can not process the IDR because the application is not complete. A few months ago, they wanted paystubs I sent them that and they sent me the same letter. Now, they have another application and tax info from the federal govt and they are still sending me the same letter. XXXX processed the same IDR application that AES is claiming they can not process with all the information provided to them.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (GA)

I have been lied to repeatedly by PNC bank..I had a transaction that comes out automatically, it did it twice. I immediately called the bank, first they say if I go online, I can cancel the transaction.. ( first fib ) I called back and asked for it to be removed, I am told I have to do a dispute.She says she filed it after asking me to verify my account. I call a few days later. I am told no dispute was filed..ask for it be filed again, I call two more times, it still wasnt filed, speak to a supervisor he says it has to be filed because how do they know I am being true full. I ask him is he saying I am lying, he says how do they know I am not, he says he filed a dispute..I hang up, call back in two days..Still no dispute filed..I email the ceo and someone calls files the dispute but I have to wait 10 days for a resolution, I have already waited two weeks, I explain my paycheck will come in and a bill payment and with my account being in the negative it will cause stress to my account and me. My check had to be mailed to avoid this, I still havent received it, my rent is now late, bill payment behind.. I was told when I opened my account by the assttant manager at the branch about overdraft protection and that I should add to my account, which I did. I assumed the overdraft protection would be in place to take care of this.. I speak to someone named XXXX from there executive customer services who proceeded to tell me that overdraft protection is used through what you have in savings and if I wanted true overdraft protection I have to do a credit application.. I would like them to be held accountable for continually lying, I have the calls taped as I am XXXX in one ear and my calls tape and or transcribe.They treated me very poorly in the first transaction.Calling me a liar and acting as if it was a {$4000.00} transaction and it was {$46.00}. and some cents..This bank is mulipulating consumers intentionally.
Consumer complaint received 2019-02-18
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: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

After sending certified, return receipt letters to XXXX on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$380.00} from Rash Curtis & Associates, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long XXXX  is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score,  as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by XXXX, I am seeking that this particular inaccurate assumption is removed immediately.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

We came to a agreement settlement in letter form kohls have to sign the agreement letter then I make the payment Im still not liable for the debt but Ill settle & pay XXXX $ just to get it off my credit report
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

We have received multiple calls from an XXXX number claiming to be Wakefield that just says it is related to debt collection. We do not have unpaid debt with anyone. I think it is a fraudulent call and therefore am not calling them back. 
The caller Id shows as ( XXXX ) XXXX, but the message says to call them XXXX, which is Revenue Recovery Corp, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Text of voicemail : We have an important message from Wakefield and Associates. This is a call from a debt collector. Please call XXXX.
Consumer complaint received 2022-08-04
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVAD Management Consulting, LLC (UT)

I am a XXXX XXXX XXXX working on behalf of a borrower who is refinancing her mortgage. As part of the process, a current Payoff statement and a Loan Summary for her current mortgage is required. 
Her current loan servicer is Novad Consulting. I first requested the payoff and loan summary from Novad Consulting on XX/XX/XXXX and I received no reply. On XX/XX/XXXX I sent a second request. I then called Novad directly on XX/XX/XXXX and explained that I never received the payoff statement & loan summary. I was told they would " escalate '' my complaint and I would receive a reply in 5-7 days. On XX/XX/XXXX I called Novad again stating that I never received any reply and still had not received the payoff and loan summary. There were three other loan processors in my company who were having the same exact problem with Novad- we were all unable to receive the requested payoffs and loan summaries.

I sent another request to Novad by fax this time instead of by email and finally received a partial response as they faxed the XXXX XXXX on XX/XX/XXXX but no Loan Summary as requested. On XX/XX/XXXX I made another call to Novad requesting the Loan Summary. Again, I was told that my complaint would be " escalated '' and I would have a response in 5-7 days. This response never came and neither did the Loan Summary. The Payoff they sent me has now expired ( good for 30 days ) while I have been trying to get the Loan Summary- both of these payoff documents are required for my borrower 's loan to close. My poor, elderly borrower has been ready to close her loan for over a month as these payoff documents are all we have been waiting for. Novad is required by law to provide payoff documents when requested. I sent another request by fax on Friday XX/XX/XXXX and another one on Monday XXXX. I called Novad again today XXXX and was given the same spiel that my complaint will be " escalated '' and I'll get a response in 5-7 days which I now know will never come.