davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (CA)

I am a mortgage broker that used to work simultaneously with United Whole Mortgage ( UWM ) and XXXX XXXX  ( now XXXXt ). I would shop both lenders for my clients to get them the best possible rate and pricing. As you are aware, UWM came out with a Broker Addendum ultimatum that dictated that if we wanted to continue working with them, we had to stop doing business with XXXX. It further stated that if we signed the addendum and still sent loans to XXXX, we would be fined by them. I elected to not sign this addendum and UWM cut me and my clients off from doing business with them. 

I received a call from UWM 's Vice President of Sales, XXXX XXXX on XX/XX/2021 asking me to sign up with them again and he would give me his best top tier pricing that they offer to their largest broker companies, even though I am a small one man shop. But, I still had to sign the addendum agreeing not to do business with XXXX. I asked him point blank, " does UWM allow their largest broker clients or any broker to continue doing business with them and XXXX without signing the addendum or enforcing their fine on them or cutting them off from doing business with them if they did sign it and still used XXXX. He said " absolutely not, they apply their rule evenly to all brokers ''. I called up my former UWM rep, XXXX XXXX on the same day and he said the same thing that they are not allowing brokers to work with them and XXXX. 

Today, I had an interesting conversation with XXXX XXXX a retail Loan Officer with XXXX Lending out of XXXX, AZ. I called him from a solicitation I received in the mail regarding refinancing my house. We spoke at length ( 23 minutes ) about what his company could do for me on a loan and informed me that his company works with the top wholesale lenders in the nation, UWM and XXXX. I did not solicit this information from him, he said it as as a sales tool and that he has loans going currently with both UWM and XXXX right now. I asked him about the ultimatum addendum that UWM wanted them to sign as well and he said his CEO, worked it out with UWM that UWM 's ultimatum did not apply to them. He said, " we had to punch them in the nose then give them a hug ''. When calling into their company it states their calls may be recorded for training purposes, so the call may have been recorded. 

I know CFPB is aware of this ultimatum that UWM imposed on the broker community. It seems to me, to be a anti-competition / anti-trust violation that hurts consumers. What is CFPB 's position on this issue and the fact UWM does not apply it to all their brokers across the board? 

I look forward to your reply. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-06-24
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account #, XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2022-08-21
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX, 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 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-21
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. (CA)

fraudulent inquiries have been reported on my consumer reports i have disputed these in the past with no remedy available to me. i just filed a complaint with the FTC heres my report number : XXXX these need to be removed immediately you are in violation of my rights! 

15 USC 1681 Section 602 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. 

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
Consumer complaint received 2022-10-20
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)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10.00} ; XXXX XX/XX/2022.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX # XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.XXXXThis was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2020-07-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AZ)

This is in reference to a apartment at XXXX XXXX in XXXX XXXXI ask for early release from my lease, because I am a XXXX senior and there were dangerous and illegal activities going on there, that was effecting my health and safety. 
I called the management office several times about the problem with no help at all. Then they charged me incorrect charges, and sent me to collections for {$540.00} after they kept the security deposit of {$1100.00}. 
I want these charges removed from collections and my credit report.
Consumer complaint received 2022-06-24
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. (OK)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXXXXXX Account number XXXX XXXX XXXX XXXX Balance on XX/XX/XXXX {$7900.00} Original loan amount {$12000.00} Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MI)

My card was fraudulantly charged {$4000.00} in XXXX of XXXX and i disputed charge and they credited it back in XXXX of XXXX BUT they charged interst and late payments until XXXX of XXXX and then never sent me a letter and just sent to collections and now it has ruined my credit. i have tried to resolve this with 7 hours worth of phone calls over 3 weeks of calls and they have no idea why i am calling. i have a case # and they still wont resolve this.

THIS IS MY CASE # XXXX
Consumer complaint received 2022-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello my name is XXXX XXXX and I have been trying to be patient with the bureaus but they have yet to get these derogatory marks and other information taken off my report! I am spending money writing these letters and taking the time out of my day to make sure each bureau gets these letters! I need Transunion to open up an investigation as soon as possible! I sent them a complaint recently and they have yet to respond. The attached letter is the latest letter sent and I expect a response to the matter instead of a mute response. I ready to settle the problem so we can move forward.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have done several good faith disputes asking for the validity of debts and to review my report and scores however, it continues to be a lower score than I feel that I deserve. It says that " I have too many delinquent accounts ''. I shouldn't have any delinquent accounts, I pay everything onetime and I paid my old car in full. These inconsistencies in the credit scores, dates and information is causing a poor score. I feel it is unfair because lives depend on credit and if I don't pay I encourage a poor score but if I pay everything, on time my score should report that as well as my report. I have attached the report to show my history and then I implore you to ask the bureaus why is my score still showing low 700 's?
Consumer complaint received 2020-12-03
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2023, I deposited a check for {$300.00} into my USAA account via the mobile app. It stated when I did the deposit that the check was going to be placed on hold. None of the funds were made available. I contacted a representative about the check hold later on in the day of the XXXX. She stated that the deposit had to be at least XXXX hours before and to contact them again the next day about getting the hold released or partially released. 

So on the XXXX I contacted USAA. Was told by the representative that the check was placed on an exception hold and that they wouldn't release any of the funds due to charge off accounts with the bank. I have previous employment history with banking operations and I informed her that XXXX XXXX from my understanding stated that an exception hold can only be used if the account has been repeatedly overdrawn ( which mine hasn't ), it's a new account ( which mine isn't ) or I have had other items previously return on my account ( again hasn't happened. ) She then told me that they can hold checks because of old charge off accounts and she has seen them do it since she began working there. However when I inquired about the supposed charge off accounts, she stated she couldn't give me any information and that I had to call another department. 

Then on the XXXX, I noticed the check I deposited had actually cleared my other bank, so I reached out to a representative again. I inquired about if the funds could be released since the other account showed the check already paid. And if I could send proof of that, could they release the hold. The gentleman told me that the funds weren't going to be released and that my check was put on hold due to previous charge off accounts. He told me the last XXXX of the account numbers but couldn't give me any more information. 

I looked up the banking disclosures for USAA. It states the reasons why they can place exception holds on checks. None of which apply to me. So they didn't abide by the XXXX XXXX policy and withheld funds from me that should have been made available. Even if part of the deposit was made available, I wouldn't have an issue. Not only have they failed at treating me like a customer that matters but they have also gone against a federal mandated regulation. If they can say they are using previous accounts as the reason for the exception hold then that needs to be stated in their disclosures.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (OH)

This is my 20TH endeavor to tell you that 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 alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (IL)

On XX/XX/year> a debit payment of {$54.00} was mistakenly made to my account to XXXX XXXX causing me to have a negative balance of XXXX XXXX XXXXXXXX. I did not authorize a {$54.00} payment to be taken out of my account for XXXX XXXX on XX/XX/year>. I do not have an automatic payment arrangement with XXXX XXXX to debit my account for my monthly bill. I've requested that US Bank not give me overdraft protection! I've stated that any lack of funds for a transaction cause that transaction to be declined. 

I authorize a debit from my account to pay my XXXX XXXX bill each month usually at the end of the month or in the first week of the month. For the XX/XX/year> bill I authorized a payment of {$54.00} on XX/XX/year>. On that date I received a payment receipt from XXXX showing that XXXX had been received that payment. I later received an email from XXXX showing that payment had been received. When I called XXXX after speaking to US Bank about the negative balance they told me they'd received the XX/XX/year> payment.

So, why doesn't US bank records reflect that payment on that date. As usual, as I stated above, I authorized the payment for a debit for the XX/XX/year> bill on XX/XX/year>. I've declined automatic payment to XXXX. Payment of that bill is reflected on my account. Why didn't you reflect the payment of the XX/XX/year> on my account so I could see it. On about XX/XX/year>, when I talked to US Bank representative who filed the dispute, she clearly stated she saw the record showed I authorized the XX/XX/year> debit payment. Why isn't that reflected so I could see it and why was a Provisional Credit From XXXX XXXX needed for unauthorized payment debited from my account on XX/XX/year>? Why was that payment allowed to go through if I've declined overdraft protection and asked that insufficient fund transactions be declined? At the time I authorized the payment on XX/XX/year> enough money was in the account and it should have been pending until processed.
Consumer complaint received 2022-08-21
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. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX, 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 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (TX)

XXXX XXXX Fri, XX/XX/XXXX at XXXX PM alert shows Im a possible data breach victim. Demand is Made to DIVERSIFIED ADJUSTMENT SERVICE, INC. for verification of my signature ( the same on my Texas Driver License and Form XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX that I signed on XX/XX/XXXX ) that matches my signature that authorized commencement of the alleged XXXX past due payment. 

My attached XXXX, XXXX and XX/XX/XXXX XXXX XXXX summaries display the following Bill summary Total amount due : {$110.00} Due immediately : {$110.00} Due by XX/XX/XXXX : {$.00} {$110.00} Due immediately : {$110.00} Due by XX/XX/XXXX : {$.00} {$110.00} Due immediately : {$110.00} Due by XX/XX/XXXX : {$.00} Please note the following XXXX alert sent to me : XXXX XXXX : We found your info in another company 's data breach. XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX PM Hi XXXX, XXXX XXXX XXXX Identity Monitoring service routinely checks to see if your email has been in a data breach. It looks like your personal data may have been compromised, not at XXXX XXXX, but in at least XXXX data breach affecting another company. 


It's not safe to use these passwords Stop using them ASAP especially for accounts that have sensitive info ( like your banking app or email ). 
Exposed password ke*** Exposed password XXXX XXXX data breaches Review the breach details to see what happened and what you should do about it now. 

XXXX XXXX Reported XX/XX/XXXX XX/XX/XXXX XXXX Reported XX/XX/XXXX User Device XXXX Addresses Reported XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Emails Reported XX/XX/XXXX Data Enrichment Exposure From XXXX Customer Reported XX/XX/XXXX XXXX XXXX XXXX/ XXXX Reported XX/XX/XXXX Marketing Database Leak Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX SMS Spam Database Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX AP XXXX XXXX XXXX XXXX List Reported XX/XX/XXXX XXXX XXXX XXXX XXXX List Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Voter Database Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXXXXXX Reported XX/XX/XXXX XXXX XXXX XXXX Spam List Reported XX/XX/XXXX Email Data List ( Email List ) Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Spam List Reported XX/XX/XXXX XXXX XXXX XXXX Feed Spam List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Systems Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX 2013
Consumer complaint received 2022-06-24
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

15 U.S.C 1681 section 602 A. States, I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


Transunion : Inquiries : XXXX XX/XX/2022 XXXX : Inquiries : XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX : Inquiries : XXXX XX/XX/2022