davidheineman/consumer-finance-complaints-large huggingface dataset:
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: AMERICAN EXPRESS COMPANY (FL)

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding a supposed transaction reported on my credit report provided by XXXX, XXXX, and XXXX, which has been incorrectly identified as a late payment on the account with the number XXXX for the month of XX/XX/year> I would like to bring to your attention the provisions in 15 U.S.C. 1681a - Definitions ; Rules of Construction : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the entity that furnishes the report. 
Given this, you do not have the legal right to report my transactions and experiences, as the law clearly states that this information is excluded from my credit reports. 
Additionally, the only way a creditor can report a payment as late is in accordance with 15 U.S.C. 1666b - Timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date. 
For any creditor to treat a payment as late, they must demonstrate that : The required information under 15 U.S.C. 1637 ( b ) was sent or delivered 21 days before the payment due date.
Consumer complaint received 2022-07-19
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. (NV)

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00} ; MEDICAL XXXX Balance : {$32.00} ; XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I have repeatedly asked Caliber Home Loans to change the address that my statements are sent to, completing this information on the payment coupon ( an industry standard method for notifying address changes ) at least 4-5 times now. Every time, Caliber employees ignore the request and just process the payment and do not change the address of record.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (OH)

My bank account got hacked they gained access to my IP address & took {$7500.00} dollars out my my u.s bank savings account through XXXX! I reported fraud on the accounts & today XX/XX/22 I got in contact with them only for them to tell me that I will not be able to get the money back because I authorized the transfer when that is not true I didnt authorize anyone to take anything nor have anyone access to my account! I need some help, it all happened after I was sent a fake check for my landscaping business, I sent confirmation to the guy that sent the check to show that I had deposited it & then after that they had gotten into the account! I have the check that they sent, I have the guys phone number, as well as the postage that they used to mail me the check with an address on it! I also have a picture of an ID of the guy! Please help me! I guess all the money that had came out my my account was sent though multiple XXXX transactions to multiple different people! It was an all around scam & now Im the one that should be paying the price? No thats not the way it works, my money was not only insured but the bank let the perpetrators pull the money out of my accounts not once not twice not 3 times not 4 times but over 5 times to send it though XXXX & they just let it happen & didnt lock the account out after the first one!!? I am not At fault for this at all & am going to do everything I can to get my money back! Also on top of this nonsense happening, not only did they steal my money, & not only is the bank trying not to give it back to me but they said all ties have to be cut that I am no longer able to have any accounts with them! I have a mortgage though us bank, my own personal checking & savings the ones that got hacked then I opened 2 new ones & also have my business savings and checking though them thats 7 different accounts that I am no longer able to have because of this! The bank is really screwing me over & That is all the money I had to make it though this winter unemployment! I am genuinely screwed and theyre just blowing it off like its not a big deal! Theyve seen this multiple times before & the lady at the branch even said the same thing that shes seen it multiple times that it was most definitely fraud and I still havent gotten anywhere! this is all the money I have! My number is XXXX & my name is XXXX XXXX please help me Im begging you! thank you
Consumer complaint received 2022-10-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Several acct, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all broke into our address at XXXX XXXX XXXX XXXX XXXX, one time while we slept during day hours just walked in stole cellphones that had all our info stored in. Stole from brother home where items were locked with padlock in spare room.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i noticed an account on my credit report i immediately contacted all parties and the three credit bureaus XXXX fixed the error but TransUnion and XXXX did not so i sent them a copy of XXXX 's results and ask them to send me what proff they had to keep reporting the delinquent account on my credit report and all i got was a letter stating that they had updated the account. which it does not fix the problem it is hurting my credit report and i would like i removed immediately.
Consumer complaint received 2022-05-16
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. (NY)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-15
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. (FL)

I APPLIED FOR A CAR LOAN AND THE DEALERSHIP SENT MY INFO TO MANY BANKS I WAS TRYING TO REFINANCE MY HOME FOR A LOWER RATE/PAYMENT AND THEY SENT MY INFO TO ALL THESE BANKS. 

BELOW ARE ALL THE INQUIRES LISTED ON MY XXXX CREDIT. 

XXXX INFORMATIVE RESEARCH XXXX  FL, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-15
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX 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 2022-05-15
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account, 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 2022-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

My name is XXXX XXXX and my loan is serviced by United Wholesale Mortgage. 
My loan number is XXXX. 

I have previously made a complaint regarding United Wholesale Mortgage, different than this one. 

Because I made the complaint on CFPB website and also closed a loan modification agreement with the investors ( XXXX XXXX ) for a lower interest rate than the one offered by United Wholesale Mortgage, the mortgage servicer provider ( UWM ) RETALIATES against me. 

They have OVERCHARGED my ESCROW account by applying {$9100.00} that represents a full amount for the entire billing cycle for a year starting XX/XX/XXXX. I repeat starting XX/XX/XXXX, a full year ESCROW shortage for a SHORTAGE that doesn't exist but " will eventually exist starting XX/XX/XXXX " ( according to their absolute misleading escrow analysis ). 
My payments have been established through the loan modification contract and already includes the payments for the ESCROW. 
Before we closed the contract, UWM have sent me a letter ( same letter they sent to the investors- please see attached ) in which is clearly specified the monthly payment of {$1800.00}. 
This payment includes : Principal & Interest {$1100.00} + ESCROW : {$710.00} + Monthly escrow shortage : {$46.00}. 
I have agreed to pay this. 
After we close the contract for the loan modification and made my first payment of {$1800.00}, United Wholesale Mortgage made another " ESCROW ANALYSIS " by which reflects that starting XX/XX/XXXX my ESCROW ACCOUNT will have a SHORTAGE of {$9100.00}. 
Reason why they have divided this amount to 12 months and they add to my monthly billing starting XX/XX/XXXX another {$760.00} for the " XXXX XXXX ". 
The TOTAL now for a month is {$2600.00}.

Can you just imagine this? : They charge 2 years AHEAD for the ESCROW SHORTAGE that didn't even occurred. 
Why do we still have a loan modification agreement if they can do whatever they want and charge years ahead whenever they want? 
Who stops this company from abusive practices against me? 
If they did an ESCROW analysis in the beginning, why did they do another one AFTER we CLOSED the contract? 
Is this legal? Is this abusive practice industry standard? 

My understanding is that I can be required to pay a part of the estimated annual total in advance, but no more than a maximum of XXXX of the total. 

Moreover, UWM is hiding this particular bill dated XX/XX/XXXX by which they have OVERCHARGED THE ESCROW ACCOUNT. 

THIS PARTICULAR BILL WAS SENT TO ME BUT IS MISSING FROM THE ONLINE DOCUMENT CENTER. - please see attached. 

WHAT WOULD YOU DO BELIEVE IF YOU WERE IN MY SHOES?! 

Please STOP retaliating against me! Please STOP the constant abuse to OVERCHARGE me! 

Please understand that I am a human being and you are INJURING ME IMMENSELY BY YOUR ACTIONS!
Consumer complaint received 2022-08-22
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)

FCRA Violations Not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. {$9800.00} written off. {$3100.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3500.00} XXXX Account charged off. {$2300.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX I Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Not MY Addresses XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Resident type XXXX family XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX family XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX family XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Apartment complex XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX type XXXX family XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Resident XXXX Apartment XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family NOT MY XXXX XXXXXXXX XXXX Not my Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my Inquiries XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-05-15
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. (FL)

For nearly a year I have been disputing with this credit bureau that XXXX XXXX XXXX account number XXXX is reporting inaccurately on my credit report and I have asked them to delete it and they have refused. On my experian credit report it says that the XXXX  XXXX XXXX account is paid in full and the date of that payment was on XX/XX/XXXX. On the credit report it also states that the account was in good standing in XX/XX/XXXX. So, how can it be that the account is paid in full and no balance is owed. The last payment was on XX/XX/XXXX and the account was in good standing in XX/XX/XXXX so how then can Experian be reporting that the account went into delinquency on XX/XX/XXXX. That makes no sense. Experian is reporting that this account has a XXXX balance owed and the account was paid in full on XX/XX/XXXX but yet they are reporting that the account went into a charged off status in XXXX of XXXX which is false and makes no sense. 
On the same credit report under the heading ''Scheduled Payment Amount '' its says that it has no data. Experian is therefore saying that they have no record of my payment and when I made it yet they are reporting that the last payment was made on XX/XX/XXXX. This makes no sense. This credit report is incomplete and inaccurate and under the Fair Credit Reporting Act when ever an account is incomplete and in accurate then such account should be deleted. 
On the same credit report under the heading, '' Actual Amount Paid '' it says that it has no data. So, Experian has no data on any payments made by me on this account but yet they are saying that the last payment on this account was made on XX/XX/XXXX. This makes no sense. 
The XXXX  XXXX XXXX account is incomplete and inaccurate and this account should be deleted from my credit report immediately. I got a dcument from XXXX  XXXX XXXX stating that this credit bureau never contacted them so as to verify this account. My lawyers are using document as a means to file a lawsuit against Experian should they refuse to delete XXXX  XXXX XXXX from my credit report.
Consumer complaint received 2022-05-15
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)

In accordance with the Fair Credit Reporting act XXXX accounts listed below. 

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 instructions.
Consumer complaint received 2022-02-24
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. (PA)

ion know who open these accounts I have to figure out who did this to me! I am sick to my stomach and I need your help outting these companies. they have messed up my reports and I'm ready to buy a house. My loan officer told me to make a report so here I am.
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the accuracy of the information reported on my credit report regarding the account listed below, which I believe is inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Account Information : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : Charge-Off According to the FCRA, you are required to ensure the accuracy and completeness of the information provided on credit reports. Specifically, Section 611 ( a ) ( 1 ) of the FCRA mandates that when a consumer disputes information on their credit report, the credit reporting agency must investigate the disputed information. 

I am requesting that you conduct a thorough investigation of this charge-off account to verify its accuracy. I believe that the information reported may be incorrect due to fraud and this account is not mine and need to be removed from my credit report In accordance with Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I request that you : Investigate the disputed charge-off account with XXXX XXXX XXXX XXXX XXXX 
Verify the accuracy of the reported information. 
Correct or remove any inaccuracies found during your investigation. 
Provide me with written confirmation of the results of your investigation.

Please complete this investigation within the 30-day period stipulated by the FCRA. If you determine that the information is inaccurate, I request that you promptly update my credit report to reflect the accurate information and send me a revised copy of my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.