davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-23
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. (TX)

This complaint is NOT A DUPLICATE COMPLAINT but a complaint because I do not receive explanations of refusal or denials for my complaints and requests from XXXX XXXX, Transunion, and XXXX. Nothing. No letters of explanations, no phone calls, no reasoning, no positions ; nothing. I do receive letters from the Credit Reporting Agencies stating that they have forwarded to XXXX XXXX who claim that adhere to the Fair Credit Reporting Act ( FCRA ), by reviewing the accuracy and completeness of any disputed item. But they do not do this and simply rely upon XXXX XXXX who explains nothing. They do not explain reason why they did fraud investigation after charging off the account, then reducing the amount due, and leaving me responsible for a sum I could not afford to pay. Most if not all of my complaints and requests are either deleted by simply labeling the requests as duplicate, or stating facts, but never any explanations of why. THE PRIVILEGE OF RESPONDING IS TAKEN AWAY FROM ME WHEN THEY LABEL AS DUPLICATE. I sent sheriffs reports, IRS fraud affidavit, information on the felon who did this but XXXX XXXX refuses to explain and the credit reporting agencies feel they fulfill their obligation by pointing at another and sending form letters.
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Specialized Loan Servicing LLC will not mail a full mortgage statement without verbally being instructed to do so *every* month. This requires a consumer to sit on the phone for 5-10 minutes dealing with an automatic operator system just to then to be able to speak with a representative for another 5-10 minutes to ask for a paper copy of a statement *every* month. 

When asked why one can't just receive a paper copy every month, as had been received previously from the same company, their response was " oh, it was a business decision, we don't have the infrastructure anymore to do that '' when they clearly do because they will mail a paper copy of a statement after I have to call them to request it *every* month. 

The XXXX section does not specify that a consumer must contact the mortgage servicer every billing cycle to receive a full copy of a mortgage statement, only that a consumer must consent to the method of receipt : in person, verbally, written, or otherwise electronically. No specification exists that a consumer must communicate to the servicer that they wish to receive a full statement repeatedly for every billing cycle if the servicer decides to send a " coupon book ''. 

Specialized Loan Servicing LLC won't provide a consumer with a paper copy of the mortgage statement unless the consumer repeatedly calls them to request one *every* month.
Consumer complaint received 2023-03-23
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)

I have been unsuccessful disputing this information with the company directly so I am seeking your assistance in this matter. 
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 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 XXXXXXXX DUPLICATE The above accounts have violated my rights according to 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. This needs to be removed immediately.
Consumer complaint received 2022-10-08
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: ALLY FINANCIAL INC. (OR)

I went to XXXX XXXX XXXX in Oregon to finance a vehicle on XX/XX/XXXX and only gave them authorization to run my credit one time to see what I qualified for. But instead they ran my credit 10 times with multiple banks. This reflects on my XXXX, XXXX and XXXX reports and would like this corrected. This was not approved and now I can not get this removed from my credit file. 

I also financed an XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX and this dealership did the exact same thing leaving me with 5 inquiries which i can't removed from my report. This is also reflected on my XXXX, XXXX and XXXX reports. 

Also on XX/XX/XXXX I went into a dealership which was XXXX of XXXX and they turned around and did the exact same thing again. But they stopped after I yelled at them and told them Id report them for fraud. This dealership hit me with 4 inquiries. Below will be a list of all the hard inquiries for 3 separate dealerships on 4 different occasions. 

the fourth time where my credit was shot guned without my approval was one XX/XX/XXXX once again by another dealership. This time it was sent out 8 times. 

This is a total of 27 inquiries when i only own 2 vehicles. 

XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL ( DUPLICATE ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( THIS IS THE DEALERSHIP I USED ) XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANICIAL XX/XX/XXXX XXXX XXXX ( DUPLICATE XXXX XX/XX/XXXX ALLY FINANCIAL ( DUPLICATE ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX
Consumer complaint received 2021-01-23
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. (TX)

This complaint is NOT A DUPLICATE COMPLAINT but a complaint because I do not receive explanations of refusal or denials for my complaints and requests from XX/XX/XXXX Transunion, and XX/XX/XXXX. Nothing. No letters of explanations, no phone calls, no reasoning, no positions ; nothing. I do receive letters from the Credit Reporting Agencies stating that they have forwarded to XXXX XXXX XXXX XXXX who claim that adhere to the Fair Credit Reporting Act ( FCRA ), by reviewing the accuracy and completeness of any disputed item. But they do not do this but simply rely upon XXXX XXXX XXXX XXXX who ignores and deletes all complaints and requests. I have made many complaints against XXXX XXXX XXXX XXXX regarding permissible permission to access my private information that led to a forged loan in XX/XX/2017. However EVERY ONE of my complaints and requests are deleted by simply labeling the requests as duplicate. THE PRIVILEGE OF RESPONDING IS EVEN TAKEN AWAY FROM ME WHEN THEY LABEL AS DUPLICATE. XX/XX/XXXX did send a copy of a forged BUT undated and incomplete application that I guess is their proof of permissible permission that clearly states at the top that incomplete applications are not to be processed. But they do not explain if this application was their proof of permissible permission and why they believe it is valid. Nothing. One of the Credit Reporting Agencies have claimed permissible permission is not required if the results were a loan that benefited me. I had to quickly point out that I received NOTHING from the loan that was a forgery plus I sent sheriffs reports, IRS fraud affidavit, information on the felon who did this but XXXX XXXX XX/XX/XXXXdeletes and the credit reporting agencies feel they fulfill their obligation by sending form letters. XX/XX/XXXX will without a doubt delete this complaint because they are a very big company that doesn't have to follow the laws.
Consumer complaint received 2024-10-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX I sold my house. BofA held a lien with a HELOC loan. My closing attorney requested the payoff and received what was described as a FULL payoff amount using words like total. They even showed how they acquire this number. 
The attorney paid the full amount as required and that was the end of my communication with the bank. There were no delays or changes. The payoff letter was dated XX/XX/XXXX and the payoff check cleared XX/XX/XXXX. 
My online and mobile app said I had a XXXX XXXX balance. 

I think everything is fine. Then in XXXX, I receive a letter stating that I have to show proof of insurance because I still owe the home with the lien. This is false. I sold the home. I had multiple requests for insurance information from BofA. So it appears the lien was not released. 
It is now almost XXXX and after at least XXXX attempts of staying on hold for nearly an hour. I finally got through to someone. They said that this is the early closure fee. I asked why this was not included in the payoff and they stated thats just how it is. So I never received a bill. This amount was not in the payoff and there was never any correspondence that I owed this amount. 
Today, XX/XX/XXXX, they told me the account was still open and they had no intentions of telling me this. They told me one day I would figure it out when I saw my XXXX score because of open credit. 
So my argument is, why was I never told I owed this money and why was this not included in my payoff? If this was owed, why was I not told. The only reason I know this is because I requested another payoff XX/XX/year> and the second payoff shows the closure fee of {$450.00}. 
This begs the question if this is a second payoff then is there still a lien on the property? Either way XXXX dont feel I owe the {$450.00}. It shouldve been included in the payoff because per the truth and lending act. I am owed an accurate and honest figure.. 
This is deceptive to the consumer. Unless I checked my XXXX score I would not know it exists. This is wrong.
Consumer complaint received 2022-09-26
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 

XXXX  # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, 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 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 2024-09-25
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: Bread Financial Holdings, Inc. (TX)

On XX/XX/year> my ex wife used a credit card to purchase a computer without my knowledge and in my account for Dell Preferred. I had asked the court for her to return the computer to the company but she refused stating ( it was a gift from family ). Furthermore, it was then ordered for her to turn the computer over to myself to return which she refused to do so.
Consumer complaint received 2024-11-13
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. (TN)

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding this late payment, and they have approved updating the accounts to " closed or open /never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-02-02
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: AMERICAN EXPRESS COMPANY (FL)

On my reports there is a closed account with huge amount of missed payments. AMERICAN EXPRESS XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the AMERICAN EXPRESS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (OK)

XXXX XXXX XXXX XXXX, SC XXXX Dear Resurgent Capital Services This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ) that you immediately cease and desist from any and all communication with me regarding the alleged debt associated with any account you claim I owe. 

It has come to my attention that you have engaged in repeated and harassing phone calls, sending threatening letters. These actions are causing significant distress and are not in compliance with the FDCPA, which prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct. 

You are hereby required to immediately cease and desist from all further communication with me in relation to the aforementioned account ( XXXX ). This includes, but is not limited to, phone calls, letters, emails, and any other form of contact. 

If you believe I owe this debt, I request that you provide me with validation of the debt as required by law. However, under no circumstances are you to continue to contact me directly. 

Please be advised that nothing in this letter constitutes a waiver of any rights or remedies that I may have under the law. If you fail to comply with this demand, I am prepared to pursue all available legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please confirm in writing by XX/XX/year> that you have complied with this demand and have ceased all communication regarding this matter. Your failure to comply with this request will be considered a violation of the FDCPA, and I will take further action to protect my rights.
Consumer complaint received 2020-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

We noticed a charge that was not authorized on our account we immediately contacted our bank an asked they began their process to address the issue. We were told no claims against a charge that was only pending on our account can be made. We would need to wait unit it hard posted So after waiting a few days our account continued to have our normal recurring charges hit the bank. Which the bank used their own discretion to pay these items and charge us a {$36.00} overdraft fee. After waiting until the hard post, we made the claim on phone. Its been almost a week now and the merchant charges again, no stop payment was placed on the account and the merchant has yet to stop these charges. Please help me and son or both on XXXX this has been an extreme hardship our monthly payments will be deposited from the Social security administration soon and were afraid its going to just be offset by all these bank fees which are a direct resulted from a fraudulent charge that the bank refuses to address as it was reported immediately
Consumer complaint received 2024-09-23
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: CREDIT ACCEPTANCE CORPORATION (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CREDITACPT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state laws pertaining to identity theft and consumer protection.

It has unequivocally come to my attention that CREDITACPT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law provides protection against identity theft and unauthorized use of personal information, including the misuse of credit reporting data. Missouris Identity Theft Law ( RSMo 570.223 ) criminalizes the unauthorized use of personal identifying information, and failure to comply with such protections may also be considered a violation of the Missouri Merchandising Practices Act ( RSMo 407 ), which addresses unfair and deceptive business practices.

I assert with unwavering certainty that I have not provided consent for CREDITACPT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for both federal and state laws.

I demand that CREDITACPT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouris Identity Theft Law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouris statutes on identity theft and consumer fraud. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDITACPT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2021-02-20
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: Monarch Recovery Holdings, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Shore Financial Services, LLC (FL)

I would like to report a potential case of mortgage fraud to the Federal Trade Commission. I believe that United wholesale mortgage securitized my promissory note and sold my personal information without my consent to another bank/servicer and/or the credit bureaus. I am concerned that this may be a case of mortgage fraud and would like to alert the FTC for further investigation. ''