davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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. (TX)

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number. XXXX. Date opened. XX/XX/XXXX XXXX XXXX XXXXT Account number. XXXX. Date opened. XXXX XXXX, XXXX XXXX Account number. XXXX. Date opened. XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

I changed my homeowner 's insurance around XX/XX/XXXX. My Mortgage company ( Mr. Cooper ) sent my new payment to my new insurance company on XX/XX/XXXX for the amount of {$770.00}. However they sent the payment to the wrong account number. On XX/XX/XXXX my insurance company cancelled my coverage due to lack of payment. When I discovered this I contacted Mr. Cooper in an attempt to resolve this. After going back and forth I finally just created a new policy on XX/XX/XXXX and asked Mr. Cooper to get my {$770.00} back from XXXX XXXX. 

Mr. Cooper then sent me a note stating that since I did not have coverage from XX/XX/XXXX to XX/XX/XXXX they would purchase a more expensive policy for me to cover the lapse. I called them and stated that since the mistake was not my fault, that I should not pay for the insurance. The representative told me that when the payment was taken out of my escrow account I should call back and dispute the payment. On XX/XX/XXXX and additional {$680.00} was taken out of my account to pay for this insurance lapse. I called Mr. Cooper and they said they would refer this matter to their " research department '' and that it would take 7 to 10 days to resolve. It has now been 10 days with contact or resolution to the issue. 

I have called several times and have had to explain this scenario to a new customer service representative each time. I was finally put in touch with an escrow supervisor who stated that this was an insurance matter and I would have to speak to an insurance supervisor. I was put on hold for several minutes and then my phone call was abruptly disconnected. I called back and was told that a supervisor was not available. The customer service representative left a message stating that a supervisor would call me back in 24-48 hours.

At this point {$1400.00} of my escrow money ( the {$770.00} payment to the wrong policy and the {$680.00} for the lapse in coverage policy ) has been misappropriated from my account. I have called numerous times only to be told to wait another 7-10 days with no resolution.
Consumer complaint received 2022-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CO)

Someone used my information to apply for credit card. I didnt receive any information about that credit. Then they used that credit to shopping something in XXXX while i am living in XXXX. I am trying to disputing but it doesnt work!
Consumer complaint received 2023-03-09
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 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 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 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

With Experian - XXXX. XXXX spelled incorrectly. XXXX XXXX XXXX is the spelling of my name. 
XXXX. Incorrect past addresses. XXXX XXXX XXXX, XXXX, SC XXXX nor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX was never addresses of mine. 
XXXX. Incorrect past phone number XXXX was never my number. 
XXXX. Late payment history from collection agencies- which should not be on my credit report, because they are collection agencies ( XXXX XXXX is XXXX ). 
XXXX. My XXXXXXXX XXXX XXXX XXXX  is not up to date. 

With Equifax - XXXX. XXXX should not be on my report. 
XXXX. The home that was sold should not have been reported on XX/XX/2022. 
XXXX. XXXX XXXX was not a charge off, and also have duplicate account info I only had XXXX account with them. It was paid through debt consolidation. 
XXXX. There are XXXX reportings of late payments for XXXX XXXX which should have been deleted. The car was totaled and paid off. 
XXXX. XXXX XXXX is a collection agency and should not be reporting delinquencies. 
XXXX. My name is spelled wrong under XXXX name used XXXX XXXX. 
XXXX. XXXX XXXX XXXX is not my current address. 
XXXX. XXXX XXXX XXXX is a collection agency and should not be reporting any delinquencies. 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

With XXXX - XXXX. My current address is not XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 
XXXX. There are XXXX XXXX postings and XXXX state as current. The only XXXX correct is the one that is closed. 
XXXX. The XXXX account should not be on my credit report. 
XXXX. Late payment history from collection agencies- which should not be on my credit report, because they are collection agencies ( XXXX XXXX is XXXX ). 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

They do not have my car loan accurately reported between them all.
Consumer complaint received 2021-09-07
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: EQUIFAX, INC. (TX)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IN)

Lakeview XXXX XXXX XXXX Lakeview XXXX XXXX XXXX bought my mortgage on XX/XX/XXXX from XXXX XXXX  / XXXX  I did not receive any notification and XXXX  XXXX  auto drafted XXXX and XXXX payments. 

I received a certified letter from Lakeview / XXXX XXXX  that my mortgage is in default and will start foreclosure process on Late XXXX and that is when I realized my mortgage was transferred. 

I then called XXXX XXXX and they told me this is a common practice and both of my payments, XXXX and XXXX had already forwarded to Lakeview / XXXX XXXX. 

I called loan care and they acknowledged the problem and they said it will be fixed within 24 hrs to 48 hrs. I was also told that I will receive a phone call from them.

They again and again failed to notify me. Each time they give me different deadlines when I call back. First was XXXX. Then now XX/XX/XXXX. 

They acknowledged that they didnt meet the time requirment. 

XXXX payment was due XXXX with a grace period of 15 days. They now want XXXX payment. I was going to make a payment but then they told me it will apply to XXXX payment. Basically they want all 3 months payments in order to apply XXXX payment. 

I feel like they are in breach of contract for not timely transferring the mortgage within 60 days and also not accurately posting my payments. 

Meanwhile my credit scores dived. I was planning on buying a new car this is not happening.
Consumer complaint received 2020-08-28
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. (NE)

All three of the credit bureaus appear to be sending out very negative information, possibly unsolicited, to credit card companies. This caused my credit limit to be lowered. I have never missed nor been late with a payment and had been making good headway into the debt. The credit limit was lowered on a XXXX XXXX XXXX card causing the utilization to shoot up to 94 %. This is going to negatively affect other cards. I feel this is being done maliciously and with intent to hurt minorities during Covid. I have never missed nor been late with a payment.
Consumer complaint received 2020-07-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Immediate Credit Recovery (FL)

After several disputes finally received letter from XXXX XXXX without definition clear and lawful definition of payment in dissatisfaction. 

Disputed liability of alleged obligations as 15 U.S. Code 1692a3 natural consumer and 15 U.S. Code 1692a ( 4 ) original creditor having extended my 12 CFR 1002.2 ( j ) credit via 15 USC 1602 ( l ) social security 12 CFR 1002.2 ( a ) account number compelled against 42 U.S.C. 408a8 and Public law 93-579. ssn belongs to the SSA and anything obtained with the identifier number is a obligation of the United States 18 U.S.C. 8, UCC 9-307 ( h ). Anyone attempting to collect a debt from me obstructing commerce and in violation of The False Claims Act ( FCA ), 31 U.S.C. 3729 - 3733. 

XXXX XXXX, Department of Education, XXXX XXXX has 18 U.S.C. 241 ; 242 conspired to deprived me my right to credit and denied me satisfaction and accord of obligations per 18 U.S.C. 8 obligation of the United States, for satisfaction and accord and per 15 U.S.C. 1 illegal restraint of trade debt collectors refused to restore credit to good standing and has impaired my right to open-end credit. 

Art. 1 Sec. 10, No State shall enter into any Treaty, Alliance, or Confederation shall make any Thing but gold and silver Coin a Tender in Payment of Debts ...

All parties have said they will accept anything except lawful money, gold and silver for payment of debts, and all have neglected via 15 U.S. Code 1692e. false or misleading representations their fiduciary duty in the acts of Misfeasance, nonfeasance and malfeasance to settle the obligations for full acquittance and discharge without liability per 50 USC 4305b2 and has restraint my right of trade and is in breach of trust per 15 U.S.C. 1 whereby alleged obligations are rendered an obligation of the United States as per the supremacy clause- any Thing in the Constitution or Laws of any state to the Contrary notwithstanding.

I have disputed obligations several times with credit reporting bureaus, Experian, Equifax and Transunion who has conspired also to invalidate title 18 U.S.C. 8 obligation of the United States and hold my person liable for the obligations.

My credit has been discriminated and I have been impaired from getting a home. This injury has been nerve wrecking and emotionally distressing without remedy.

As original creditor/grantor/lessor of personal data, I reserve all rights to proceeds, titles, interest where my personal data valued at XXXX XXXX  per entity, per year for misuse and negligence to settle obligations.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 XXXXXXXX
Consumer complaint received 2020-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stern Recovery Services, Inc. (GA)

In XXXX XXXX  leaked the data of 143 million Americans, I was also one of those 143 million. My personal information was used to open several accounts in my name, as a result I have become a victim of identity theft, my overall credit score as well as mental health has suffered greatly.

The following accounts should be removed from my credit file. Stern Recovery is currently reporting three accounts to my credit file that should not be there.

Stern Recovery Service {$110.00} Stern Recovery Service {$1000.00} Stern Recovery Service {$360.00} I have disputed this account twice ; this company has not verified this account as belonging to me. The Fair Credit Reporting act requires you to remove this account from my credit file as soon as possible. Under the " Fair Debt Collection Protection Act '', by law, your company should have sent me the following information.

1. An explanation of what this alleged account balance is for.

2.A calculation of the balance, including the complete payment history.

3.Documentation that shows I have agreed to pay this debt.

4.The agreement that grants you authority to collect on this alleged debt.

5.A copy of your state license, including lic
ense number.

Your company has failed to provide me with this information, my lawyer has advised me that we will move forward in court in exactly 4 business days if this information is not removed today. 
In the event that you do not remove this account from my credit file, I will move forward with the necessary steps to sue you for actual damages and declaratory relief. According to the FCRA regulations, I may sue you in qualified state or federal court, including small claims court in my area.
Consumer complaint received 2023-08-11
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. (NJ)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've reached out to Transunion on multiple occasions regarding a collection account on my credit report that does not belong to me. 

They're still reporting it on my credit report.
Consumer complaint received 2022-10-12
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. (WA)

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that XXXX working with a third party or credit clinic. Lets get the record straight!!! XXXX the one whos disputing this information. The information XXXX disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (TX)

Im submitting this follow up complaint to the Experian, XXXX and XXXX Credit Bureaus today to remind them to remove the fraudulent inquiries in my report and along with this was my identity theft report that I filed through FEDERAL TRADE COMMISION and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking and removing of the erroneous information which was being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission, that needed the Bureaus immediate attention : EXPERIAN : 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 2020-07-03
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONAL ASSET MORTGAGE, LLC (IL)

XX/XX/XXXX, I signed a contract for deed with XXXX XXXX, and XXXX XXXX XXXX, which now calls itself National Asset Mortgage. I was excited to get into my own home, so much so that I didn't read the fine print. Well after becoming late during a medical catastrophe, I came home out of the hospital on more than 1 occasion, to a big note taped to my door for all to see, that read I had to vacate property within 11 days for being late on my payment. That should have been my first sign. So after digging into my contract I signed with them, I found they were charging me 10 percent interest on my " mortgage ''. After years of dealing with them, and a few notes taped to my door ( which was done by a management company of some sorts ) not by a law enforcement agency, it was greatly stressful, and quite honestly embarrassing considering I was going thru medical issues, and always got caught back up. I had been approved for the goverment program called hardest hit fund, which was willing to pay the house off, and at the time, nam refused to work with them, because they said they weren't a mortgage company and couldn't accept their payment. Fast forward to know, and I have been divorced from my ex-wife for some time now, and my ex-wife who was not on the contract was awarded the house. And was to handle all transferring of said house. Well needless to say, she hasn't, i have tried everything possible to work with them to get this done, so it can be removed off of my credit and they will not. So not only did they publicly shame me for a medical issue and being out of work, deny working with a place that would have paid the house off, gave me an astronomical interest rate ( is that even legal ), reported to one of the bureaus one thing, and another thing to the other 2, including that the loan was only for 30 months. When it was supposed to be 30 years, but now they refuse to help me by removing it.. it has caused me and my family a great deal if distress and has prevented me from getting into a new home ... please help with this predatory loan place, and there threatening collections tactics so others don't ever have to go thru that embarrassment The company just had a judgment against them by this bureau on XX/XX/XXXX for somethine else as well. 
They are listed as XXXX, NAM out of south Carolina.