davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Radius Global Solutions LLC (NC)

Radius Global Solutions, LLC, Account # XXXX, refuses request for VALIDATION pursuant to 15 USC 1692g Sec. 809 of the FDCPA. In addition, Title 15 USC Chapter 41 Consumer Credit Protection Subchapter V Debt Collection Practices Section 1692 is an act of Congress designed to protect natural persons ( 1692a says that the term consumer means any natural person obligated or allegedly obligated to pay any debt ) from abusive collection agency practices. I have requested them to provide the following : Agreement with you grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims made by the any creditor regarding this account. Any judgement obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this allege debt became payable. Date of original charge off or delinquency. Verification that this debt was assignable or sold to collector. Complete accounting of alleged debt. Commissions for debt collector if collections are successful. They have not provided any requested data. 

This was previously and successfully disputed with XXXX and XXXX Credit Bureaus. 

Now they are accessing my XXXX credit bureau without permission through the form of a soft inquiry. I have asked Radius Global Solutions, LLC stop all forms of communication with me and obtaining my information about me for any debt purposes through a Affidavit of Truth.
Consumer complaint received 2024-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY (NY)

1. On XX/XX/XXXX, I requested cancellation of PMI. Wells Fargo sent an XXXX page letter detailing four options for me. Option # XXXX was waiting until the scheduled cancellation date of XX/XX/XXXX, which was the date I was scheduled to reach 80 % LTV based on making regular payments. 

XXXX. After XX/XX/XXXX, Wells Fargo continued charging me PMI of XXXX per month. 

XXXX. On XX/XX/XXXX, I called Wells Fargo regarding why I was still being charged PMI and asked about an XX/XX/XXXX, letter sent from their Remediation Department which stated, " during a review of the mortgage account, we identified that a mortgage insurance cancellation request may not have been processed in a timely manner. '' XXXX from Wells Fargo PMI Department informed me that since I have not called in to cancel the PMI, Wells Fargo continued charging me PMI, even though Wells Fargo was aware my mortgage was eligible for cancellation since XX/XX/XXXX. XXXX said Wells Fargo sent me emails between XXXX asking me to call them to get PMI cancelled. Those emails did not reach my inbox and instead wound up in my Spam folder. Regardless, the fact Wells Fargo was sending emails clearly indicates they were fully aware I should no longer be making PMI payments, yet they continued overcharging me for ten months until today.

Wells Fargo institutes an internal procedure requiring consumer 's to proactively call to cancel PMI all while knowing that the consumer has qualified for cancellation. This is totally unreasonable, and a scam to squeeze ill-gotten gains out of unsuspecting consumers. I requested a refund of the overpayment of {$670.00} made to Wells Fargo for XXXX PMI. XXXX informed me that, " higher eschelon '' members of the PMI Department would have to make that decision. He assigned a work order to my case under case number XXXX.
Consumer complaint received 2024-11-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I sold a truck ( XXXX XXXX XXXX ) to someone back @ XXXX. He never titled the vehicle in his name and has contacted me saying he needed the release of lien since the company still has the lien active.

I contacted the company for him since they would not help him. They told me they found my old account and could send me the release of lien on the vehicle. This was in early XXXX. They said they could send it to me via USPS. I waited 10 days or so and called again. They said it takes some time to get it sent out and just wait a little longer. Still did not get it 20 days later. I called again. They tried to say they would send it through the mail again. Again, it did not show. I called them in early XXXX and asked them if they could fax it to me. They said yes and it would take 1-2 days to do that. I did not receive it after 8 days now. I will be calling them back again but I'm running out of options and need to get this vehicle out of my name and the new owner needs to sell it himself but can't because of this lien.
Consumer complaint received 2020-09-20
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

Newrez, acting as a mortgage service company, erroneously placed Lender Placed Insurance ( LPI ) on my home mortgage loan, and in so doing attempted to force me to pay an additional {$340.00} monthly fee to cover the cost of the escrow they established to pay for the LPI. 

During my previous complaint against this company regarding this issue, they made numerous false statements, specifically producing letters they alleged were written and mailed to my XXXX XXXX insurance agent and myself, forewarning us of their intent to implement LPI. However none of these letters were ever received by my agent or myself. 

They continued their response to my CFPB complaint by saying they did not receive proof of insurance until XX/XX/year>, which was the excuse that was used to establish the LPI to begin with. After reading their response, I contacted the Newrez Insurance Compliance Department on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX and spoke with an insurance representative on a recorded line ( see document attached ) that stated that Newrez received proof of insurance for this loan on ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. He also confirmed that the earlier proof of insurance that was mailed to the Newrez Texas address instead of the Michigan location, had also been received. So with this information, it became clear that Newrez had no reason to ever place LPI. 

Now as I continue to make my regular monthly payment in full and on time, Newrez shifted from charging me a monthly LPI escrow fee, to now applying late fees every single month. This is a result of my not paying their inflated monthly payment to cover the LPI escrow, which again should never have been created. So they are basically attempting to penalize me for not paying their inaccurate statement amounts. 

To compound the damages they have already caused by making me expend dozens of hours writing letters and filing complaints, they are now reporting false information to all three Credit Reporting Agencies by showing an inflated Past Due making it appear as if I am over 30 days delinquent even though they continue to cash my checks every month. This has caused my XXXX XXXX XXXX to plummet XXXX XXXX XXXX in one month, from a perfect previous score in XXXX XXXX XXXX. There is only one derogatory item on any of my three of my credit reports, and it is Newrezs false reporting in gross violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (AZ)

A little less than a year ago I went into XXXX and was offered a job for which a background check would be ran. As required by law I did not disclose information greater than 7 years old. The background check company used information greater than 7 years, claimed I lied about having a XXXX, which I didn't report because I didn't legally have to. Even though the XXXX is mine it is not legally required to be reported if it's over 7 years old in XXXX county, They claimed they found it and I didn't report it which ultimately cost me the job. 
I live in XXXX, Arizona. The XXXX is located in XXXX County which has rules against this .... 
This is the second time I am reporting this, You denied me the first time saying " The XXXX  was accurate '', but of course it isn't because its outside of the legal 7 years ... I can't find the final denial letter you sent me the first time and you don't seem to have a copy yourself to send me so I am refiling this a second time ... I hope we can get this resolved.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-10-17
Product: Credit reporting 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. (FL)

I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action. 

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.
Consumer complaint received 2024-11-02
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bounce AI, Inc. (NY)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to maximum accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item specifically the contract note or other instrument bearing my signature. 

1-iDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> THIS IS NOT MINE
Consumer complaint received 2015-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: First Credit Services Inc. (NY)

I pulled a credit report and noticed a collection account. It is an amount of 120 dollars. I reached out via certified mail in an attempt to verify debt and even settle since it was a small amount. First Credit Services will not answer me with any information about debt and unfortunately I can barely understand their customer service when speaking over the phone with them. 

Back in XX/XX/XXXX spoke numerous times to trainer XXXX. Informed me only XXXX could help me. So after numerous attempts in XX/XX/XXXX turned my key fob in to XXXX as I was unable to reach XXXX.I have been charged up until XX/XX/XXXX. Even XXXX called me to get my new card security info, XXXX numbers on back of card, which I never gave out but they worked around that as I never gave consent to debit my new credit card. 
Emailed XX/XX/XXXX via online " email my club '' link asking for membership and contract info identifying myself. That email wentunanswered. 

XX/XX/XXXX called XXXX spoke with XXXX who tried to call the XXXX branch but like usual no one was in. XXXX said she would call me back when she heard back but would not give me her extension or direct line to reach her. She never called me back. Several calls later all with no answers I had to cancel credit/debit cards and get new account. Since then it appear as if penalty fees have been assessed. 
The cancellation letter and the amount to collect do not even match.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (TN)

I have been denied a credit card from Barclay 's via email after a hard inquiry on my credit account. I would have never even known about you or this XXXX XXXX XXXX XXXX had it not been for the stewardess aboard our flight to XXXX  DC. The alure of the XXXX flight miles was very convincing. 

However, things have not gone well. I got the email and it referred me to a link to a different site. The statement of denial was seen, but the site has a grayed-out XXXX  is not able to be opened which is supposed to explain the decision. The print option is also inoperable. The page functionality is useless to me. 

Since these options were not available, I did ask for the rationale for denial to be sent to me. But, there is no return email address and the phone number given basically puts you into a loop requiring you to go to the app. However, because I was denied, I don't have access to the app. 

My credit report cites a XXXX value with no missed payments for the last 6 years and yet you chose to deny me for no known valid reason. Now, with a hard inquiry, my score will fall temporarily with no known valid reason. 

Professionally, XXXX XXXX XXXX, MD
Consumer complaint received 2020-09-19
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: TD BANK US HOLDING COMPANY (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

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.
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MN)

On XX/XX/2020 I went to the store and purchased some materials. I had a {$500.00} gift card to the store and was saving that for a different project and decided to use my store credit card. I had made a payment on XX/XX/2020. My credit limit was still the {$5000.00} it was originally. I have never had any late payments on any accounts. I am ahead on all accounts. I also paid off many of my other cards in full in the past week. When I tried to use the store card, my card was declined. I Checked my account later that night to find my credit limit had decreased to {$3900.00}. I messaged the company as I had not received any notice to a decrease in credit limit. I messaged the company and shortly received a letter dated XX/XX/2020 stating that my credit limit is now decreased to {$3900.00}. I didnt receive notice prior to the decrease and the amount was decreased before I was notified. The letter only showed after I inquired with the company. Very frustrating considering my good credit history and profile.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (GA)

I notices negative accounts on my report that I don't recognize XXXX {$3000.00} contacted on XX/XX/year> XXXXXXXX XXXX {$10000.00} contacted on XX/XX/year> XXXX XXXX XXXX {$570.00} contacted on XX/XX/year> XXXX XXXX {$2400.00} contacted on XX/XX/year> XXXX XXXX {$1800.00} contacted on XX/XX/year> XXXX {$1100.00} contacted on XX/XX/year> XXXX {$3500.00} contacted on XX/XX/year>
Consumer complaint received 2024-10-29
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

SYNCB/XXXX Account # XXXX. received letter from creditor saying that all late payment history has been deleted and there are no delinquencies being reported but when I looked at my current reports All 3 reports do not match. Also there are late payments being delinquently reported in the status of XXXX and XXXX. this is in violation of 15 us code 1681e ( b ) I demand immediate removal of delinquencies and correction of report status.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
Clerical Error at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXXXXXX XXXX  acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX  reported varying posting dates to different credit bureaus. This inconsistency between TransUnion, XXXX, and XXXX indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ever since the state of Florida went on lockdown from the Corona Virus, approximately XX/XX/2020, while most consumers may have been focused on their job and finances, I have been focused on addressing the errors on my credit report and trying to improve my credit. I'm aware that the bureaus have 30 days to respond to a complaint. This is required by law. I'm sorry that they may be affected by the pandemic, but this is how the law reads and I'm a consumer that still needs help. I have submitted several disputes since XX/XX/2020 and have received no response through the US Mail. I tried to file a complete through this platform, a while back, but they just told me they are ''still working on my file. '' I'm assuming the Consumer Finance department is getting overwhelmed with complaints. I have  waited patiently the 30 days each time I have submitted disputes with each of the 3 bureaus, but have not received any response, communication of delay, or even explanation as to why they are no longer helping consumers with their credit concerns. I am considering taking further action to get this resolved. I have rights also as an American citizen.