davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-10-03
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: LEXISNEXIS (GA)

This company is violating my consumer rights. I submitted a dispute regarding an inaccurate bankruptcy for which is being reported to the credit bureaus. The company failed to provide documentation stating where they received their information from. Rather, they claimed unable to authenticate dispute initiated on behalf of consumer which is also inaccurate. The company continues to fail to remove the negative false information pertaining to a bankruptcy from my report. In addition, the courts verified that they do not submit consumer information to third parties. Therefore this company is gathering information and inaccurately/illegally reporting it. Public records, specifically ones that are inaccurate, do not belong on credit reports. My rights are being violated. According to the FCRA law 15 U.S.C. 1681-1681x, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. This company is doing illegal activity, harming my credit worthiness in the process.
Consumer complaint received 2022-10-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I believe that TransUnion is incorrectly reporting my debt to income ratio, and when I called them to understand how they were calculating that number ( because I never once gave them my income earnings ) they avoided the question and hung up on me. I called them at XXXX Eastern time on XX/XX/2022 if you would like to review the call.
Consumer complaint received 2023-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (HI)

We purchased a vacant lot and later learned that the Wells Fargo loan was structured as a residential loan. We paid every monthly payment and always on time. When the note was sent that the title was clear and released to us, I simply said that we still had a balance and continued to make timely payments. As we returned to our previous state of residence our renters gave us a letter from Wells Fargo stating they were foreclosing on our property. We had purchased our current residence with WF and our address was known to them as we monthly sent our payment. It was necessary to pay an attorney to represent us to WF and we were charged over {$17000.00} for representation. We have documentation for all above. I protested but did not receive any explanation. Can you please help with this? We are both seniors and my husband is veteran. Thank you for helping us.
Consumer complaint received 2023-01-15
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: EQUIFAX, INC. (CA)

Texas attorney general is reporting inaccurate information on My consumer report as the attached files prove my claim by law with this inaccurate information this should be deleted. They are reporting that I only pay {$240.00} as my evidence show I pay way over {$3000.00}
Consumer complaint received 2023-01-15
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. (TX)

The following inquires, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 












XXXX XX/XX/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
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (GA)

Dear Ally, Consumer Financial Protection Bureau, CFPB, AND 3 Credit Bureaus ( XXXX, XXXX, and XXXX ) : I HAVE CONTACTED ALLY BANK SEVERAL TIMES OVER THE PHONE TO NO AVAIL, AND THE 3 CREDIT BUREAUS. MAKE THE CORRECTIONS OR YOU WILL NOT RECEIVE XX/XX/2019 NOR XX/XX/2019 Payment. I have included WOES for you to execute. Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2023-01-14
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. (FL)

According to FCRA my rights have been VIOLATED.

15 USC 1681 602a section 4 says I have a right to privacy.

15 USC 604a section 2 says to furnish consumer reports in accord with written instructions of the consumer XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXXl XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

Dear Midland Credit Mgt ; XXXX XXXX ; cfpb ; 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.
Consumer complaint received 2022-10-03
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. (SD)

In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. In 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-03
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. (SD)

In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. In 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Awhile ago, I suspected someone or maybe more than one individual having access to my account at USAA, withdrawing/embezzling money from my account. I contacted USAA regarding and asked them to do a total review of my account given that. Additionally, the NSF fees were, at times, being applied erroneously in which USAA corrected. USAA was fined, not long ago, for fee issues and the like. Over the past year, I have large deposits into my checking account from EEO/discrimination cases with the Federal Government ( i.e. {$78000.00}, {$49000.00} and {$27000.00} ). I know that I have expenses and bills, but I also receive deposits per retirement from the VA and OPM. I suspect that my money is being mishandled or removed from my account by someone who is dishonest in their efforts. I want to ensure that this is not, in fact, the case given the fines USAA has faced. I have been a member of USAA Federal Savings Bank for 22 years and I am sure that this request ( total review of my checking account ending in XXXX ) can be done to ensure money is not being stolen. While I value USAA as a business entity, as a XXXX veteran and a single parent, I must look out for myself, as the money deposited has gotten missing quite fast and I just want to ensure that it is nothing illegal occurring.
Consumer complaint received 2023-01-14
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)

According to FCRA my rights have been VIOLATED. 

15 USC 1681 602a section 4 I have a right to privacy.

15 USC 1681 604a section 2 says to furnish consumer reports i accord with written instructions of the consumeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I have a mortgage with " PHH '' that was transferred to them from " Ocwen '' in  XXXX of this year. ( XXXX ) I have paid my mortgage on time every time with both parties. 

In XX/XX/XXXX, I received a bill with an additional amount of {$1600.00} included in a field called " Assessed Expenses ''. My online account through PHH has NEVER reflected this amount and I never received any formal notice on why or how this amount was simply added into bill. Naturally, I called the company about it and I was informed that it was an error. I was told that I was not behind on any payments and that I should just send in my " regular '' mortgage payment amount. 

The same thing has happened with my bill for each month since then. Today I wasted an hour of my time on the phone between two representatives that where both trying to convince me that the charge came from a loan modification that took place 7 years ago in XXXX. Not only that ; but that the previous company " Ocwen '' randomly just decided to bill them for it this year in XXXX of XXXX. 

I asked some very simple questions that should have been simple to answer for any party requesting payment from someone. 

1 ) Why in XXXX am I just getting a charge for something that was fully executed in XXXX? 
2 ) What " fees '' exactly added up to this amount of {$1600.00}? 
3 ) How could a modification get completed without all of the fees for services required to complete being paid? 
4 ) Do you ( or " Ocwen '' ) have proof to show that I did not cover something that I was responsible for? 
5 ) If I had paid my mortgage off by now ; who would you have billed for this? 
6 ) Why did I not receive any additional form of communication explaining why this was being added to my bill and how I am now responsible for it? 

I did not receive a straight answer ( when they actually attempted to answer ) for any of these questions. As of today, my online account still only has my regular payment amount showing as due. Something is definitely off here. 

Please help me resolve this.
Consumer complaint received 2023-01-14
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. (FL)

Submitted my disputes to be reviewed and receive notification that I did not submit. I provided my identification and billing proof. The accounts listed were need proof of validation File Number XXXX
Consumer complaint received 2023-01-14
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: SANTANDER HOLDINGS USA, INC. (FL)

Santander XXXX XXXX XXXX is reporting a charge off and and account with my name and when i wrote a certified letter to validate the debt the company ignored my letter and has not verified the debt and continues report the bad debt. This is a violation of the FCRA. The account doe not belong to me and is fraud.
Consumer complaint received 2019-10-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (IL)

I am involved in a loan where draws are administered through a loan consultant. The builder has created a change order that was not practical in his services. I informed the loan consultant, XXXX XXXX, that the builder is requesting more funds for his services because he reduced his bid upon closing. XXXX XXXX said he is not aware of anything going on. He accepted the change order and submitted it to the loan for payment processing. I do not feel his action were ethic in his practicing profession. 

Loan Consultant involved in this case. 

XXXX XXXX Federally Certified XXXX & Fannie Mae Consultant XXXX XXXX, XXXX. 
XXXX
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Dear XXXX  XXXX XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher. 

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
Consumer complaint received 2023-01-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I registered a XXXX account through Bank of America ( BOA ) using my email address, and received notification that my account was successfully registered today. I would like to add my phone number to my XXXX account. BOA 's online portal says I can not register my phone number to my XXXX account because this phone number violates the terms of service. Neither the website nor the XXXX BOA representatives I spoke with provided me with a reason why my phone number was in violation. 

I also called XXXX app customer service today and they said that the blocking of the phone number is on Bank of America 's end. 

BOA has registered my phone number for all other uses except XXXX and uses it often, including to send me security codes. 

I believe the problem is that a couple of years ago I attempted to register with XXXX XXXX also through BOA ), not realizing that it was a violation of terms to register a phone number that was ported through XXXX XXXX. My phone number is no longer ported through XXXX XXXX. I transferred it to a regular XXXX XXXX  account XXXX years ago. 

I believe XXXX should XXXX required to re-evaluate phone numbers that have been found not to comply with their terms. It is not fair or productive to block phone numbers forever, when the problem with the phone number has already been solved. 

Consumers have many reasons for wanting to keep their phone numbers for the long term. 

Thank you.
Consumer complaint received 2023-01-14
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: EQUIFAX, INC. (MA)

Dear XXXX  XXXX XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it.

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
Consumer complaint received 2023-01-14
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. (GA)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). Account Names has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No account number listed? ) XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Accounts above illegally obtained personal and private information and sold it to other reporting agencies, including XXXX and XXXX. I did not grant XXXX XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. As the consumer and natural person, I am invoking a specified remedy and making the following demands : -Cease and desist reporting of the account filings above. 
-Remove reporting of the account name filings above from all consumer reporting agencies you may be sharing too. 
-Attached is a CFPB Complaint with XXXX showing them deleting most of these accounts. 
-Attached is my FTC report since this is also fraud and is against the law since I have no Knowledge of these accounts. 
-Attached is my XXXX report showing most of these accounts were deleted/blocked Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA