davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (PA)

I have a negative item on my Fica XXXX  Report. The Account is with New Res - Shellpoint MTG Account # XXXX mortgage Account. 
it's a second mortgage. 
This account Original creditor was Green Tree Serving it was sold to a company that sold it to the above mentioned Creditor. This account was Discharged in Bankruptcy Court Case No XXXX. XXXX XXXX It is ordered that has been fully administrated. Chapter XXXX discharge. 
Dated XX/XX/2011. Shellpoint MTG can not give any payment updates or anything to any of the credit reporting Agencies.They have not corrected this!
Consumer complaint received 2021-03-30
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. (TN)

Hi, There were three credit cards opened under my name that I did not open. The three are XXXX, XXXX XXXX, and XXXX. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.
Consumer complaint received 2021-03-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello Transunion. Legally you had 30days to complete an investigation. My first letter about my disputes was originally sent on XX/XX/2021. 50 days ago. It contained a notarized letter to verify who I am as well as a driver license and banks statement proof of address. After not getting a response on XX/XX/2021 I send another letter following up on the investigation. Still nothing So I do a cfpb complaint on XX/XX/2021 because this taking to long to not hear nothing. Not until XX/XX/2021 you vaguely say my letter includes disputes and you will enter It into the system and within 30 days close it out 43days later a response saying got it. This is illegal according to the FCRA. I understand covid made things tougher for everyone but this is clear abuse or neglect.
Consumer complaint received 2021-03-30
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. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (TX)

Escalation of Dispute - Formal Notice of Intent to Sue I am writing to express my dissatisfaction with Early Warning Services ' continued denial of my requests and the lack of resolution regarding the unauthorized sharing of my consumer information. 

I understand Early Warning 's classification as a specialty consumer reporting agency under Section 603 ( x ) of the Fair Credit Reporting Act ( FCRA ). However, I strongly assert that this classification does not absolve Early Warning Services from respecting and upholding consumer rights, particularly regarding information sharing as outlined in 15 USC Code 1681b. 

Despite multiple attempts on my part to address and resolve this matter amicably, Early Warning has consistently provided the same response, citing their exemption under the FCRA. This response is both unsatisfactory and unacceptable. 

I want to reiterate the impact this situation has had on me, causing significant financial distress and hindering my ability to access essential banking products. The continued stale responses are not only unhelpful but also frustrating, leaving me with no choice but to escalate this matter.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2021-03-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has refused to process my disputes for over 6 months now, I've sent a dispute every month. Last month, I changed the address to a new one listed on their website and it was returned undeliverable. It was been more than 30 days, I expect them to delete all the inaccuracies from my credit report. How does the credit bureau publish a dispute form and address on their website that is completely false? This should be absolutely illegal! 

Transunion : XXXX. XXXX XXXX, XXXX, CA, XXXX Attachment : Dispute form from Transunion 's website with this address on it!
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Marlette Funding, LLC (IL)

THIS IS NOT A DUPLICATE COMPLAINT!! YOUR COMPANY HAS COMMITTED CRIMINAL INDIVIDUAL ACTIONS WILLINGLY AND KNOWINGLY. Yes, I entered a consumer transaction with this Company. However, when my hardship occurred, I have learned that fraud has been committed against me. In the false and deceptive form that I was aggrieved in, I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ). Your company is in violation of breaking a number of consumer protection laws, including but not limited to : 15 USC 1635 - Right of Recession ( this was not included in my contract ) Pursuant to 15 USC 6802b ( 1 ), A financial institution may not disclose non public personal information to a non affiliated third party ( which are the bureaus, they are non affiliated third parties ) unless -- Pursuant to 15 USC 6802b ( 1 ) a, b, c such financial institution clearly and conspicuously discloses to the consumer, in writing in electronic form or other form permitted by the regulations described under section 6804 of this title, that such information not be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to DIRECT SUCH INFORMATION ; NOT BE DISCLOSED to such third party ; and ( C ) the consumer is given an explanation of how the consumer can EXERCISE THAT NONDISCLOSURE OPTION. Your company never disclosed to me this information or gave me my explanation of how I can exercise my nondisclosure option which is my right by law to not have this reported. Any transaction involving a finance charge is the sum of all charges pursuant to 15 USC 1605a and federal law states that insurance is supposed to be included in the finance charge, 15 USC 1605c and my finance charge didn't include insurance or give me the right to include it. Making this a fraudulent contract. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. Making the RETAIL INSTALLMENT CONTRACT ACCOUNT between BUYER XXXX XXXX and XXXX your company is in so many violations of the TRUTH IN LENDING ACT as well as CONSUMER XXXX XXXX XXXX which means I XXXX XXXX XXXX XXXX to rescinding the contract.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I have already issued one complaint - XXXX. The company says they are working on it. I received yet another letter dated XX/XX/XXXX with yet a third NSF fee. I called on XX/XX/XXXX for the 3rd time. I've also messaged and Live Chat with them. And I have been to the local office twice. Yesterday when I called XXXX, I was told that I have no NSF fees applied to my loan and that everything is set up properly. My 1st payment out of my new checking account will happen this Friday. Today I got a letter dated XX/XX/XXXX that states since I have had 3 or more payments in the last 12 months that have not been honored by your bank ( note the letter head is the same as my Bank - BECU ), they now require my payments be sent via certified check or money order. There is a note that if I send a payment via the website, personal check, or one-time draft, the payment may be rejected and returned to me. I HAVE DONE NOTHING WRONG. I have always had the funds available for my payments. I have had this 15 year loan for 7 years and I resent being treated this way. I have never missed a mortgage payment but this mortgage servicer is trying their best to make that happen. Who knows what will happen on Friday. I called the BECU office and they have no way to help me. I called the BECU servicing mortgage line at XXXX for a 4th time today, was offered a call back and when I got one was put on hold for three minutes and then dropped.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I, XXXX XXXX, am a consumer of the United States and anything purchased with my credit card remains the obligation of the United States pursuant 15 USC 1601. I the consumer never gave XXXX XXXX XXXX  any written consent to report anything on my consumer report which is a direct violation 15 USC 1601B ( 2 ). I never signed a contract or entered a credit transaction with XXXX XXXX XXXX. XXXX XXXX XXXX has used abusive practices violating my privacy pursuant 15 USC 1692 ( A ). I never gave XXXX XXXX XXXX  ( third party debt collector ) consent to obtain any of my information. Pursuant 15 USC 1692 ( B ), a debt collector can not state this is an attempt to collect a debt. XXXX XXXX XXXX has violated 15 USC 1692 ( C ) 1 by mailing my home between XXXX at an inconvenient time without my consumer consent. XXXX XXXX  XXXX has abused me by harming my consumer reputation, poorly affecting my credit score and worthiness and harming my chances of purchasing a home. Pursuant FCRA 15 USC 1681A ( 2 ). XXXX XXXX XXXX used profane language in their letter sent to my home pursuant 15 USC 1692D ( 2 ). XXXX XXXX XXXX repeatedly knowingly and willingly violated my consumer rights protected by FDCPA and FCRA. You will be held criminally liable pursuant 15 USC1640 and civically liable for all violations of 15 USC 1692K. Attached to this letter labeled is Exhibit A and Exhibit B shows proof of these violations. Also is attached an invoice for violating my federally protected consumer rights which is to be paid by check. Also as remedy, I demand this account to be immediately removed from all my consumer reports, from all consumer reporting agencies, and to be XXXX out immediately!
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

USAA has refused to provide documents it notified that it has posted to my online account on XX/XX/XXXX. USAA on that date sent me 3 emails notifiying me that 3 documents had posted to my account and I should login and get them. However my account was closed in XXXX by USAA and I can not access my account online. I have called many times to try and determine what these documents are.. USAA has promised repeatedly it would research this matter and provide me an explanation. It has been 8 months and I still have nothing. 

In addition, not only do I not get these documents I am treated very poorly and very unprofessionally by USAA employees and they deliberately keep my hold for hours at a time and show open contempt and sometimes hostility. 

I am asking that my rights be respected and that I be sent these documents immediately. 

I have called at least a dozen times with some of these calls lasting upwards of two hours, I have come to realize I am somehow being tormented by an internal directive that one USAA employee told I had been classified as " undesirable for life '' by USAA. I am a XXXX man with XXXX who has been treated simply awfully by a staff that is professional until the real the long notes in my account. I am transferred around like a ping pong ball never able to get these documents or any explanation of the reasons they will not give them to me. Since USAA has never really contacted me about anything since they unilaterally and without explanation closed my checking and credit card accounts, I assume that their notification to me of these documents being put into y account that they must be of some importance. I wrote a letter dated XX/XX/XXXX to the USAA Legal Department on on XX/XX/XXXX received an email from a " XXXX XXXX '' an XXXX  XXXX. I have left messages and as I far as know she has never contacted me again. This XX/XX/XXXX letter asked for them to send me copies of the letters to my address, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. 

It is possible there are statute of limitation issues that USAA is trying to push past by delaying my receipt of these documents. USAA should understand from time to time legacy accounts will have account issues come up that need to be.handled professionally in a timely manner. I have never seen such unprofessional behavior in a financial services Company. I have accounts at XXXX XXXX, XXXX XXXX and many others and have do not have a clue why USAA has blacklisted me as a member. 

I would USAA to provide these documents immediately. If sent out this week please send an additional copy to me at my hotel. XXXX XXXX, XXXX New Venture XXXX XXXX, XXXX, NY XXXX. XXXX : XXXX XXXX, XXXX XXXX. 

I do not have online access to my account since it has been closed. 

Attached are copies of my letter and emails from USAA. I would greatly appreciate it if USAA would provide these documents to me. I can be reached at XXXX or XXXX.
Consumer complaint received 2022-08-01
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. (NM)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (RI)

Repeated, harassing calls from XXXX XXXX solutions from different numbers XXXX. When explaining to them why I can not pay the debt at this time, they were insistent I set up a future automatic payment and kept repeatedly asking me what the reason was I could not make payments. I asked them to stop calling me multiple times. At this point, this company is harassing me and causing XXXX on my XXXX XXXX as well.
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (OH)

On XX/XX/XXXX, I underwent a botched dental procedure through a representative employed by XXXX XXXX XXXX in XXXX, Ohio. After examination by an Independent Dentist recommended by my Insurance company at this time, XXXX XXXX, and XXXX  investigation of the procedure and the bad faith practice of having me sign financial documents while I was in a traumatic state ; XXXX XXXX ordered XXXX XXXX to reimburse XXXX for the funds paid to them since, the procedure had to be completed again. 

The overage of the cost was financed through XXXX XXXX. These documents were presented to me for signature at the end of my eight hour, routine XXXX  restoration. It was unknown to me what I was signing and in the end, all funds had to be reimbursed. 

On XX/XX/XXXX ; I was served with a Subpoena. XXXX XXXX  was suing me for the funds in which the financial documents were signed without my knowledge. 

On XX/XX/XXXX, I filed an Answer to the Complaint, representing myself in the matter of : Case No. XXXX ; XXXX XXXX  vs. XXXX XXXX XXXX. In the XXXX XXXX XXXX. XXXX, Ohio. 

I filed a Statement of Issues with the XXXX on XX/XX/XXXX. A Pretrial Hearing was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX ; evidence was reviewed and the case was dismissed. 

XXXX XXXX  then sold this debt, which was dismissed by the XXXX by Magistrates signature entered on XX/XX/XXXX ( attached ) ; to what appears to be several debt collecting companies. Yet, LVNV Funding LLCs name is what keep appearing on my credit report. I receive mailings from them. I used to get hard-collection calls from them. I have filed several disputes with all credit reporting agencies only to have my disputes declined because LVNV is showing proof that the debt is owed. Im sure these Agencies are not aware that this case was dismissed in XX/XX/XXXX. 

LVNV has fraudulently made claims on this debt. They continue to ruin my credit and have been since the fraudulent purchase thereof. My husband and I had to refinance our mortgage because I have not worked in two years. Due to this and LVNV, I could not have my name on our new Mortgage thus, I am now vulnerable. 

LVNV Funding has and continue to hurt my credit. They are giving misleading statement and untruths because, this matter was Dismissed therefore, the Debt is not Owed. 

Im attaching the Court records and, XXXX  XXXX  Exhibit which is a statement that shows two Adjustments which, was the credits back to XXXX XXXX. On my current credit report LVNV us showing them as payments made. 

Thank you.
Consumer complaint received 2021-12-01
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: TD BANK US HOLDING COMPANY (NV)

I was alerted, by XXXX XXXX, that a hard inquiry was made by XXXX XXXX, and my XXXX  score was reduced XXXX points on XXXX. I called XXXX to tell them it was fraudulent and they told me to contact XXXX. I proceeded, and XXXX assured me they would deny the application as none of the information matched. I called the other XXXX credit report companies to inform them as well. All XXXX companies have now been alerted of the fraud. I was also advised to contact FTC as in so doing this will help with this activity. I have very good credit and pay all accounts off at the end of the month. I dont need any credit cards as I have all I need.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (HI)

I have had a Citi Costco card since XXXX I always used it to get rewards at Costco. This past year I used my card enough to earn a {$1400.00} reward. I have auto pay set up for this account and never had any problems until In XXXX of XXXX I made purchases to equal a auto payment of {$12000.00} which caused an insufficient funds on my bank account twice before the third try went through. Little to my knowledge this situation allows Citicard to terminate my account and cancel my rewards for the year 10 days before I was to receive my {$1400.00} reward for Costco shopping. Ive tried numerous times to get something accomplished with this to see why I cant be allowed to fix this or negotiate anything but no deal. Im very frustrated that this Citi Card has the right to steal money from me and my family in a Pandemic?
Consumer complaint received 2022-08-01
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)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$350.00}
Consumer complaint received 2021-03-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A few months back I filed disputes with the credit bureaus. The disputes were for. 

XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX and XXXX XXXX ) I do not owe them money I cancelled them when I moved out. This is showing on XXXX and Transunion. 

XXXX XXXX XXXX ... XXXX This account is over XXXX years and needs to be remove. Showing on XXXX XXXX XXXX ... XXXX .. This is is over XXXX years old and needs to be remove ..Showing on XXXX. 

Now that you have all the facts I hope you can help me with this and get these remove from my reports.
Consumer complaint received 2022-08-01
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. (MD)

In accordance with the XXXX XXXX Account # XXXX, has violated my rights.

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

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