davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
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. (NY)

Over the last two years I have disputed the validity of student loans and a car loan that was placed on my credit report fraudulently. The credit bureaus respond to my dispute stating the debt has been validated, but according to 15 USC 1681 ( a ) ( e ) upon investigation i the consumer along with my family, associates, and neighbors have to be interviewed and this interview never took place so how can the debt be verified. Also according to 15USC 1602 I am an administered agent my social security card belongs to the social security administration therefore I do not own the social security number nor any debt attached to it. According to 15USC 1681 ( b ) ( a ) ( 2 ) the credit bureaus need my written consent which I NEVER gave them to furnish a consumer report. According to 15 USC 1692 ( g ) the 5 requirements for validation were never fulfilled. These are numerous violations of the law being made by these bureaus that is impacting my quality of life egregiously.
Consumer complaint received 2024-08-11
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. (GA)

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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2019-04-29
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. (PA)

I XXXX XXXX am FED UP! These fraudulent accounts do not belong to me, yet they continue to report. I am filing a civil suit against transunion, XXXX and XXXX  as of XX/XX/XXXX. I opted out over 3 months ago so Im no longer subject myself to Transunion, XXXX and XXXX   arbitration bylaws .Transunion , XXXX and XXXX   removed accounts and readded them back on my credit report and due to the FCRA , I am supposed to be notified in writing before this takes place. I WAS NOT!!!!!! I, as a consumer have the right to know how these accounts were verified, because they do not belong to me but yet they are still reporting! I am sure that Transuinion, XXXX and XXXX did not go to the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that Transunion, XXXX  and XXXX  reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As transunion, XXXX  and XXXX has violated the  FCRA..Transunion, XXXX and XXXX  has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XX/XX/XXXX {$5700.00} XXXX XXXX XXXX {$520.00} XXXX XXXX  XXXX XXXX XXXX   XXXX {$110.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX {$6000.00} XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX XXXX XXXX Customer Service Manager at XXXX XXXX XXXX Email : XXXX XXXX XXXX Operations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compliance Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and Chief Client XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chief Compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX VP/Sr XXXX of Regulation and XXXX XXXX XXXX XXXX XXXX XXXX Senior Vice President XXXX XXXX Theft XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vice president chief legal XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX and XXXX Transunion XXXX XXXX XXXX XXXX XXXX Vice President Transunion XXXX XXXX XXXX XXXX XXXX Fraud and XXXX XXXX Transunion XXXX XXXX XXXX XXXX Senior analyst consumer experiences Transunion XXXX XXXX XXXX XXXX Director-Transunion Consumer Interactive Servicing Transunion XXXX XXXX XXXX
Consumer complaint received 2019-10-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

The debt collection agency that I'm dealing with is Midland Credit Management ( Midland Funding LLC ). The company has first attempted to contact me on XX/XX/2019 at XXXX and I accepted the call, but got no response from the other end. Since then, I have been receiving up to three calls a day or every other day over the period of four weeks. Sometimes they spam my phone with the same number, other times the company will use a different number. 

On XX/XX/2019 at XXXX, I mailed a debt validation letter to Midland Credit Management instructing them to inform me of the debt that I supposedly owe them and the same debt they are calling me about. I also clarified in the letter that I am not to receive any more phone calls from them and that communication would only be done through traditional mailing. The only response I have gotten is more phone calls from the company spamming my phone and total disregard of my debt validation letter. 

To this day, I still have not received any mail from them pertaining to what debt I owe them, my account information for their website to see the debt to make payments on ( account number, login information, etc. ) or where they have purchased the debt from.
Consumer complaint received 2022-12-28
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. (TN)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX TN ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TN ) XXXX Balance : {$2500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-02
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. (CA)

In accordance with the Fair Credit Reporting act XXXXt Account # XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX 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 XXXXXXXX, 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 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

To Whom It May Concern : Enclosed are copies of supporting letters, bank statements, etc. showing proof of all required payments/escrow payments made to Mr Copper, loan # XXXXXXXXXX. This loan was transferred from XXXX XXXX Mortgage to Mr Cooper beginning XX/XX/XXXX. Our bank statements prove they received bi-monthly payments in the amount of {$520.00} which equals the required monthly payment in the amount of {$1000.00}. Every payment has been made through our XXXX XXXX XXXX XXXX bank as shown on statements has been on time/not late as shown & cleared to Mr Cooper as you will find enclosed, statements dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. They have failed to correct their discrepancies which has caused me severe XXXX  and adding insult to injury they have ruined our credit with wrongfully reporting late payments to all three credit bureaus. When the inception of this loan was transferred to them they received an escrow credit of {$380.00} which should have been posted to our escrow account which they failed to do. Instead they posted it to additional principal.. I immediately notified them on XX/XX/XXXX, XXXX XXXX # XXXXXXXXXX. When the accounting department reversed the escrow credit {$380.00} from additional principal they also reversed one of my payments of {$520.00} which they lost both payments and for the past XXXX months have not found the money and credited our account. They responded on XX/XX/XXXX stating they forwarded my inquiry to their Account Service Department to locate & apply our payments. To this day, no response, no help, nothing from them. I have made more than 40-50 plus calls to Mr Cooper for the past four months just getting the runaround. The few people that did promise to make this right, fix the errors & told me not to worry about getting reported to the credit bureau because it was their discrepancies did not come through. They told me everything would get reversed & if there were negative issues they would fix everything. The people I dealt with the most was XXXX XXXX XXXX XXXX Team ( Supervisor ), Deandria/Manager for XXXX XXXX Resolution Team, Donyea/CSR, XXXX XXXX XXXX XXXX XXXX etc XXXX Please review all enclosed documents and kindly remove the late and/or late payments on this account & also balance our mortgage/escrow account which was current at the inception of this transfer all payments to date as current & return our escrow credit you received in the amount of {$380.00} from XXXX XXXX Mortgage back to our escrow account. Please remove incorrect late reporting to all three credit bureaus asap! If you have any questions or need additional documentation, etc, please feel free to call me at XXX.XXX.XXXX ( c ). 


Sincerely, XXXX XXXX
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (TX)

this card was bought as a gift to a family member, thwy used it to purchase virtual items such as video games, within a couple of weeks we noticed the first fradulent transaction. The first amount was {$18.00} on XX/XX/XXXX. Then there was multiple transactions to wish for an amount of {$9.00} on XX/XX/XXXX. I see two transactions to wich but there is also some pending, but its hard to read how much was stolen. After this we thought we had lost the money with nothing to be done, but we believe we deserve better and decided to give ourself a chance to get the money back.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I've disputed 3 times already to Experian to correct my personal information, my current address & date of birth, also 2 credit card accounts, but they have not corrected this yet. I've sent you sceenshots of my credit reports as of XX/XX/year> highlighting my discrepancies. Only Experian is displaying this information incorrectly & inaccurately. Please get my personal info corrected & those 2 unknown credit card accounts deleted from my profile. Thank you very much.
Consumer complaint received 2019-08-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (AZ)

Hello there, I am trying to work with Quicken Loans, its 3 days before closing, and Quicken has informed me I must come up with an additional 5 % down to get this loan. They have stated that the HOA on the condo is short .03 % in reserves and therefore I must come up with another {$12000.00} in 3 days to close the loan. I have had ALL my documents in ON TIME and signed mortgage disclosure, locked in the rate, and all other requirements to satisfy the loan. They DID NOT do the proper due diligence on their side in a timely matter to close this on time ( XX/XX/2019 ), the whole while saying I could sign on XX/XX/2019 and close on XX/XX/2019. They came up with several last minute problems to cover their lack of timely due diligence. Also, my current home has a loan with Quicken Loans and has a tenant moving in 5 days. Therefore, I will have to stay in a hotel and move my personal belongings into a storage unit. 

1. They sent an appraiser out to my current address, on Sunday morning prior to close, and never communicated this to me and he could not get access to the property through the guard gate. He never left a card and I could not contact anyone at Quicken loans to clarify this matter or even call him back. 

2. They came up with the HOA shortage 3 days before close even though they had contacted the HOA several weeks beforehand. 

All in all its costing me twice as much in down payment and closing costs to get this done and 24 before I was supposed to sign documents and 72 before close of escrow. 
That said this is a major financial, emotional and physical constraint for me at this time while undergoing XXXX.
Consumer complaint received 2019-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

I received notification of an increase in my mortgage payment effective XX/XX/2019. According to the statement I received, my monthly payment would increase from {$590.00} to {$640.00} unless I chose to pay a lump sum of {$480.00} to cover an escrow shortage by XX/XX/19. I sent in a check for {$490.00} along with the statement slip to cover the escrow shortage mortgage coupon as directed. My check included " Escrow Shortage '' and the acct number on the memo line. My monthly payment for XXXX was sent to Lakeview through my bank auto pay in the amount of {$610.00}. Lakeview processed the escrow payment on XX/XX/2019 which should have changed my monthly payment amount to {$600.00}. However, my statements since XXXX have shown {$640.00} as the amount due. When I looked at my payment history online, I found Lakeview had applied the {$490.00} as a partial monthly payment for the following month ( XXXX ) instead of an escrow shortage payment. When my XXXX payment was automatically sent at the end of XXXX, Lakeview posted it as a Principal Curtailment rather than my monthly payment. I emailed Lakeview customer service on XX/XX/XXXX after submitting an inquiry to Customer Service via their website and not receiving a response. No response to my email either. 
I mailed a letter to Lakeview in mid-XXXX asking them to properly credit the {$490.00} posted on XX/XX/2019 as an escrow shortage payment and correct the XXXX and XXXX payments to reflect the {$610.00} as monthly payments of {$600.00} with an additional {$3.00} as a principal curtailment. No response. 
On XX/XX/XXXX, I emailed customer service again including an explanation and a copy of the letter I had mailed the month before. Finally, on XX/XX/XXXX, I received an email response stating that Lakeview 's Payment Processing Team would be reviewing my account. Online, it shows misapplication reversals were entered on my account one of  which removed the escrow entered as a short payment then applied it on XX/XX/XXXX as an escrow payment due on XX/XX/19 ( originally due XX/XX/19 ). An escrow advance for {$330.00} was entered on XX/XX/XXXX with a due date of XX/XX/19. However, there are also 4 misapplication reversals made on XX/XX/XXXX for my monthly payments for XXXX, XXXX, XXXX and XXXX which were never reapplied correctly. There have been no other transactions since XX/XX/XXXX despite the email I sent 2 days ago telling them it now appears I am 4 mortgage payments behind.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TN)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Professional Debt Mediation for committing identity theft. I have never given Professional Debt Mediation any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from Professional Debt Mediation before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Professional Debt Mediation can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Professional Debt Mediation can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Professional Debt Mediation continues its collection efforts, I will file for litigation for actual damages caused and Professional Debt Mediation will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Professional Debt Mediation is attempting to collect a debt that is not owed by me. I did not lease this apartment nor sign a lease. I was an occupant, not a leasee
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

There was an arbitration awarded in favor of me the Defendant ( XXXX XXXX XXXX ) against the Plaintiff ( Capital One ) on XX/XX/2019. As of ; XX/XX/2019, Capital One continues to indicate that I am 30 days late on my Credit report. I have disputed with XXXX on 3 different occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) ; they instructed to me that Capital One continues to state that I owe the amount. I informed Capital One and their Lawyer 's and they continue to ignore the courts decision. File number XXXX ; please see attached. 

Thank you in advance.
Consumer complaint received 2019-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NC)

I've done two disputes for XXXX and XXXX since XXXX. Saying this was not my debt I have no knowledge of this account this account isnt mine. And initially it came off my credit report all the way in XXXX or XXXX. It should not be back they are old debts. That now XXXX wants to put back on my credit as new debt and it's not it's been off my credit for years. And for them to add it back in XXXX is a disgrace knowing that it has been removed and you update the information to make a new account or debt is wrong. Please go back and investigate that these are the same debts previous that came off and should remain off.