davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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. (OH)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ( XXXX ) Account # 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 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Mr Cooper has requested insurance coverage proof several times and each time I send them proof. This was done in XXXX of 2022 and again in XXXX of 2022. This time they purchased a policy without my approval, even though I already have one and they are paying for it out of my escrow. This type of forced insurance is illegal.
Consumer complaint received 2023-02-21
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: WELLS FARGO & COMPANY (NJ)

I XXXX XXXX paid off the mortgage account, and it's still show late payments not consistent with the other bureaus. The status of accounts has not been up dated to show correct information. It is illegal to show late payments on a consumer credit plan as late for any reason. The accounts are still not showing paid as agreed. Not to show paid as agreed with late status, is illegal under the fair credit reporting act. In accordance with statue 15 usc 1681 section 8602, I have a right to privacy. I gave wells fargo home mortgage a chance to do the right thing. Please delete the account.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Experian are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Consumer complaint received 2019-05-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (FL)

Hello, My name is XXXX XXXX and Im a victim of a company called Blue Trust Loans. They initially deposited {$1400.00} into my account and I told them I can pay it off in three payments. After the third payment I noticed they were still debiting my account twice for XXXX, then I immediately contacted XXXX of XXXX and they placed a temporary block and temporarily placed the funds back into my account. On XX/XX/XXXX, XXXX XXXX XXXX claims my information did not arrive in a timely matter ; however, my letter was fax to XXXX   XXXX XXXX on XX/XX/2019 with a OK confirmation. So Blue Trust Loans is using the old bait and switch deception to think you signed documents for 6 payments, but I clearly was shown my 3 payments : # 1 XXXX. # 2 XXXX and the final payment was for {$250.00}. Please investigate this company Im a XXXX Veteran who lives on a fixed income and cant afford to lose any money. I requested to see the contract I signed to no avail. They told me it could take up to 45 days for them to receive those documents, and as of today I have not received anything from this predictory lender. 

Thanks in advance
Consumer complaint received 2023-02-21
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. (GA)

On XX/XX/2022 I filed a complaint with CFPB for identity theft with all three credit bureaus. ( see attachment ) and then sent a handwritten dispute on XX/XX/2022 to all three credit bureaus stating the same. After their investigation, XXXX deleted XXXX XXXX ( account number XXXX ) however, XXXX and Experian XXXX to leave it on my credit file. ( PLEASE DELETE THE ACCOUNT ) They stated that it was verified as accurate. How did Experian and XXXX verify the account as accurate? First and foremost I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Secondly, if all three bureaus did their due diligence in investigating the dispute they would have deleted all the accounts in question. XXXX stated that XXXX XXXX XXXX ( account number XXXX amount {$6500.00} ), ( account number XXXX amount {$1700.00} ), and ( account number XXXX amount {$250.00} ) were verified as accurate. How so when the date of the last payment doesn't match with XXXX 's reports ( see attachment ) whom also stated the accounts were accurate and verified. The Information reporting has to be 100 % accurate. So if an investigation was completed then all credit bureaus should be reporting the same information but they are not! After XXXX 's investigation, they stated that the accounts XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX were verified as accurate and modified. If the investigation took place why are there discrepancies in my credit file? XXXX has also reported that payments were made in the last XXXX  months on the charged-off accounts. ( SEE ATTACHMENTS ) This is unacceptable. All three bureaus are in violation of my consumer rights and I just wish they'd do what's fair and equitable to me as the consumer by deleting the items. It's their obligation to make sure that the information reporting is accurate and relevant and they've failed to do so.
Consumer complaint received 2023-02-21
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. (GA)

On XX/XX/2022 I filed a complaint with CFPB for identity theft with all three credit bureaus. ( see attachment ) and then sent a handwritten dispute on XX/XX/2022 to all three credit bureaus stating the same. After their investigation, XXXX deleted XXXX XXXX ( account number XXXX ) however, Equifax and XXXX XXXX to leave it on my credit file. ( PLEASE DELETE THE ACCOUNT ) They stated that it was verified as accurate. How did XXXX and Equifax verify the account as accurate? First and foremost I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Secondly, if all three bureaus did their due diligence in investigating the dispute they would have deleted all the accounts in question. XXXX stated that XXXX XXXX XXXX ( account number XXXX amount {$6500.00} ), ( account number XXXX amount {$1700.00} ), and ( account number XXXX amount {$250.00} ) were verified as accurate. How so when the date of the last payment doesn't match with Equifax 's reports ( see attachment ) whom also stated the accounts were accurate and verified. The Information reporting has to be 100 % accurate. So if an investigation was completed then all credit bureaus should be reporting the same information but they are not! After Equifax 's investigation, they stated that the accounts XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX were verified as accurate and modified. If the investigation took place why are there discrepancies in my credit file? Equifax has also reported that payments were made in the last XXXX  months on the charged-off accounts. ( SEE ATTACHMENTS ) This is unacceptable. All three bureaus are in violation of my consumer rights and I just wish they'd do what's fair and equitable to me as the consumer by deleting the items. It's their obligation to make sure that the information reporting is accurate and relevant and they've failed to do so.
Consumer complaint received 2023-02-21
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. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX, account number XXXX, which has a late payment on record. 
Arkansas XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which is in collections. 
XXXX XXXX, account number XXXX, which is in collections. 
XXXX XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXX XXXX. 
XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXX Bank XXXX 
XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXXl XXXX Bank XXXX XXXX XXXX XXXX 
XXXX XXXX, account number XXXX, which has been charged off. 
I believe that these accounts XXXX contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the late payment on my XXXX account may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Below is a list of charges that was withdraw from my checking account without my consent and without warning from CHASE BANK. These transactions were unauthorized and against my will and it took over a month for CHASE BANK to alert me of these transactions going on. Yet after this and after I went through the proper procedure and " investigation '' with CHASE BANK they refuse to return my money. I have not spent almost a year searching for a way to get my money back which leads to today XX/XX/XXXX. 

-- Transactions list -- XX/XX/XXXXXXXX XXXX XXXX {$81.00} XX/XX/XXXX XXXX- {$30.00} XX/XX/XXXX XXXX- {$42.00} XX/XX/XXXX XXXX- {$100.00} XX/XX/XXXX XXXX- {$45.00} XX/XX/XXXX XXXX- {$91.00} XXXX XXXX- {$500.00} XXXX XXXX XXXX XXXX- {$2.00} XX/XX/XXXX XXXX- {$100.00} XXXX XXXX- {$1000.00} XXXX  XXXX XXXX XXXX- {$2.00} XXXX {$39.00} XXXX- {$610.00} XXXX  XXXX  XXXX- {$9.00} XXXX XXXX  XXXX XXXX- {$620.00} XXXX- {$640.00} XXXX XXXX- {$110.00} XXXX- {$2.00} XXXX XXXX- {$2.00} XX/XX/XXXX XXXX XXXX {$530.00} XXXX XXXX- {$75.00} XXXX XXXX {$19.00} XXXX XXXX XXXX- {$170.00} XXXX  XXXX- {$800.00} XXXX XXXX- {$7.00} XXXX XXXX- {$4.00} XXXX {$1100.00} XXXX- {$590.00} XXXX- {$7.00} XXXX- {$160.00} XXXX  XXXX XXXX XXXX XXXX- {$6.00} XXXX- {$88.00} XX/XX/XXXX ( when I was finally alerted ) XXXX XXXX XXXX- {$26.00} XXXX  XXXX  XXXX- {$100.00} XXXX XXXX XXXX- {$200.00}
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CO)

Barclays has locked my Frontier Airlines XXXX account behind a series of security questions to which I never setup answers. I was unable to login to schedule a payment until I called their support team to have my account unlocked. My account was locked because I could not log in with my username and password without answering security questions that I never setup. After regaining access to my account on a single computer, there is no way to reset these security questions, which I never setup in the first place. There appear to be 3 questions : XXXX. What was the house number of the home I grew up in? XXXX. What was the name of my hometown newspaper? XXXX. What was the name of your highschool. I have only had this card for a few months, and at no point during any registration process was I prompted to provide my answers to any of these 3 questions. I am still unable to access my account on more than one device becuase I am still prompted for these security questions that I do not have the answer to, never setup, and have no means to change. 

After speaking with their terrible offshore support and going through a process that I firmly believe 80 % of US consumers would be unable to successfully complete, I regained access to my account after performing a password reset. I paid the balance 1 day late due to this issue, but not before they charged me a {$29.00} late fee. I believe that they are likely doing this to swarms of users to make it more difficult for customers to schedule on-time payments.
Consumer complaint received 2019-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (CA)

XXXX LN XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX Short Sale was started with XXXX on XX/XX/19. On XX/XX/XXXX we called in and were told it was being assigned and we would be called back that day.

Now today, XX/XX/19, we are being told nothing has been done on this file and nothing will be done on this file. There is no SPOC assigned. XXXX is refusing to escalate this. Management is refusing to work on it. 

Aside from gross violation of their servicing guidelines, XXXX is at this point committing LOAN FRAUD, due to their acceptance of servicing funds without actually servicing the file. *******Additionally, this is a VA BORROWER. Apparently XXXX doesnt care about our military personnel. XXXX doesnt care it is in violation of Federal and State Laws. XXXX doesnt care it is in violation of their Servicing Guidelines. XXXX doesnt care about CFPB guidelines. 

Instead, XXXX is blaming this on XXXX/XXXX, claiming they are the subservicer and as such it is their responsibility, not XXXX, for this file. 

****we are having issues on EVERY SINGLE ONE OF OUR XXXX FILES. XXXX has no capacity to service the files for which they are being paid servicing fees. This needs to STOP IMMEDIATELY. 

I want this file opened immediately as a short sale. I want a SPOC and negotiator assigned. I want the documents we have submitted to be worked on.
Consumer complaint received 2023-02-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CT)

Can not determine if the loan is federal or private because its a scam. 

Receiving constant fraudulent mailers seeking to collect a non-existent loan. Alleges I co-signed a loan for a fictional XXXX XXXX XXXX. The mailer lists my name as XXXX XXXX XXXX, which is not my correct middle initial or last name. Never heard of this person who probably doesnt exist. Tried calling the telephone number provided on all the fraudulent mailers and it just goes to a disconnected line. Either XXXX is a fraudster, incompetent, or someone is running a scam in their name. Either way, this is nonsense and these harassing fraudulent mailers need to stop.
Consumer complaint received 2023-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Securus J Holdings, LLC (VA)

I set up a reoccuring monthly transfer on JPay for a family memory on XXXX XX/XX/2023. 

When I initially set it up a confirmation screen came up that confirmed {$33.00} would be charged to my account. This is this is the usual fee for this amount. Sadly I did not grab a screen capture of that confirmation and am now wishing I had. 

Now a day later when the actual charge came through the amount is {$36.00}. That is an an additional {$2.00} for this {$30.00} payment, which was set up as reoccuring. That is the only difference between this payment and all others I have sent. 

This is clearly over the stated rate of {$3.00}. After talking to the JPay customer service it turns out that EVERY reoccuring payment will have this additional fee and for what? Solely because the payment is reoccuring. The agent said it was in the terms and conditions. Well I went through the T 's & C 's and there is nothing in there about the additional cost. The site clearly states the fee for money transfers is {$3.00}.
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (VA)

Fraudulent hard inquiries on my credit report that I did not authorize. I have already contacted the companies and the credit bureaus. 
XX/XX/2021XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Equifax Mortgage Services XX/XX/2021, 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 2023-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

I received a letter dated XX/XX/2023 from the National Credit Systems , Inc . The letter is requesting that I resolve an out standing debt of {$820.00} for the client : XXXX XXXX XXXX XXXX XXXX XXXX. I have never been associated with this client nor do I have any outstanding debts in the amount of {$820.00}.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am a XXXX  XXXX that has never been late. The government shutdown on XX/XX/XXXX and was closed for 35 days. I called my auto finance company XXXX XXXX XXXX and was granted a car payment extension from XX/XX/XXXX thru XX/XX/XXXX. I receive a letter from them saying approved and granted extension. On XX/XX/XXXX I received a alert from my credit report stating I was reported delinquent 30 60 90 days. This is a shame and a disgrace. I need this delinquent remark removed from my credit I am not late. My payment is due on XX/XX/XXXX. I want this cleared up ASAP.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

On XX/XX/XXXX, I received a text message stating that my mortgage payment for XXXX had been returned. I concurrently received a notification from my credit monitoring services that I was assessed a 30-day late mortgage payment. In response, I called and sent proof to Carrington Mortgage of that claims fallacy. I paid my XXXX mortgage on XX/XX/XXXX. At no point between XX/XX/XXXX and XX/XX/XXXX was my account insufficient for the debit of my mortgage. Additionally, there were no NSF fees or notice of a returned payment. Further, I called Carrington Mortgage on XX/XX/XXXX at XXXX Central to tell the customer service representative that my payment was made on XX/XX/XXXX, but it hadnt been withdrawn. I asked her if she saw anything in her system that indicated an error. She said no. It was an 18-minute call. Similarly, I called on XX/XX/XXXX after receiving a text message falsely stating my payment had been returned. The customer service representative told me she saw that it had been returned, but that there was no explanation as to why. She said that payments are returned for 2 reasons and insufficient funds is one of the reasons, but she didnt state the other reason. It was a 12 minute call. I called XXXX on XX/XX/XXXX and, upon their research, they confirmed that no such attempt at an ACH was initiated and no fees associated to the {$2800.00} payment was found. I want an instant removal of the 30-day late credit reporting and a reversal of any fees associated to the returned payment claim. Ive attached bank records showing daily balances between XX/XX/XXXX and XX/XX/XXXX, as well as proof that there were no NSF fees in XXXX, and that the 2 NSF fees ever assessed were in XXXX for non-Carrington Mortgage transactions. 

I filed a complaint with the XXXX  and Carrington responded by further affirming that the payment had been returned. They did not attach proof of a returned payment and, instead, shared materials that they asserted they sent me to assist those who were having mortgage payment issues. I've sent the required information showing Carrington 's error and want this resolved immediately.