davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXrequested on XX/XX/2022 XXXX ( hard inquiry, adverse information ) in violation of section 5 ( a ) of the FTC ACT,15 USC 45 ( a ) Prohibits unfair or deceptive acts or practices under GLB ACT. OPTOUT /privacy NOTICE IS REQUIRED 160.4 ( a ) ( 2 ) deceptive omission of material fact.in violation of section 501 ( b ) of the GLB ACT,15 USC 6801 ( b ) Safeguard rules : to protect the security, confidentiality, integrity and privacy of the consumer NON PUBLIC PERSONAL INFORMATION from unforeseeable internal and external risk.Ive suffered and will continue to suffer substantial financial injury as a result of XXXX XXXX XXXX violation of the FTC ACT and GLB ACTXXXX XXXXXXXX XXXX has been unjustly enriched as a result of its unlawful acts or practices, it likely to continue to injure reap unjustment and harm the public interest in commerce .Please remove all adverse information.section 5 ( m ) ( 1 ) ( B ) of the FTC ACT 15USC 45 ( m ) ( 1 ) ( B ) fined is XXXXdeceptive acts or practices
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MS)

My credit report shows a collection from CREDENCE RESOURCE MANAGE I dont recall applying or consenting to agreement from this company. I have yet to receive any proof of validation that this is my account. Please remove this negative account from my credit report. It shows a {$1600.00} balance that is owed. This account doesnt belong to me.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
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: AMERICAN EXPRESS COMPANY (TX)

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

15 U.S.C 1681 section 602A. 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 consume 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 ) ( a ) 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. 


Delete the accounts below XXXX XXXX XX/XX/XXXX XXXX AMEX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AMEX XX/XX/XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Trident Asset Management, L.L.C. (TX)

The company has accessed and misused personal information and attempted to collect a debt. According to the Nationwide Multistate Licensing System / Nationwide Mortgage Licensing System and Registry ) Trident Asset Management is not licensed in the state of Texas as a valid entity. Therefore, In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 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 2023-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (MD)

On XX/XX/2023, Rushmore Loan Management Servicing LLC was paid for the months of XXXX, XXXX, XXXX, and XX/XX/2023 Mortgage payments with the grant of {$12000.00} ( Maryland Homeowner 's Assistance Fund ). The XX/XX/2023 mortgage statement indicated the amount total amount due was {$11000.00}, which includes {$260.00} late fees. The Maryland HAF grant of {$12000.00} paid for the past due mortgages for XXXX, XXXX, and XX/XX/2023 including late fees, as well as paid in advance XX/XX/2023 mortgage payment. ( RLMS Loan # XXXX ) On XX/XX/2023, the loan was transferred to new servicing XXXX XXXX XXXX XXXX Rushmore Servicing with new loan XXXX XXXX. The new XXXX XXXX is charging additional late fees totally {$340.00}, which were already collected prior to transferring the loan, but were not adjusted /credited by the prior servicing. The new loan setup documented transaction history indicates that the escrow balance of {$9100.00} was sent as transaction no. 11 and the surplus collected last fees was sent as transaction 12 in the amount of {$340.00}. The prior servicing told me that the surplus of {$540.00} was being sent with the escrow balance for the new servicer to make the adjustment ( {$12000.00} minus XXXX = {$540.00} surplus ). The escrow analysis has been completed and they are refunding me {$150.00} ; however, they are still not acknowledging the the former loan servicer transferred the {$340.00} late fees paid. Also note that they are illegally assessing a late fee for the month XX/XX/2023 mortgage which was paid and received in advance in XX/XX/2023. The grace period on my loan for late fee is after the XXXX of the month. XXXX was received prior to the month of XXXX and prior to the grace period deadline ; however, both the Rushmore Servicing will not make the adjustment to my account. The entire late fees for XXXX, XXXX and XX/XX/2023 were paid with the signed agreement between Maryland Homeowner 's Assistant Fund and Rushmore Loan Management Servcing LLC. The new Rushmore Servicing has employeed the former employees of prior servicing has been provided all of the document sent via at mailed XXXX XXXX XXXX, XXXX, TX XXXX. I am dealing with the same employees in the dispute department because the former and new servicing are the same personnel who will not take action to correct the late fees charges on my mortgage loan. I am current on my mortgage and the next payment due is XX/XX/2023, with the grace period for late fee applied by the XXXX of XXXX.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account : XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, a merchant in the XXXX XXXX ( XXXX ) issued a credit in the amount of {$280.00} via PayPal to my XXXX XXXX credit card ending in XXXX, which I had originally used for a purchase in XX/XX/XXXX. XXXX initiated this refund because one of the items in the order turned out to be defective and it was still under warranty. PayPal received the refund from XXXX on XX/XX/XXXX. PayPal claims that the issuer ( XXXX ) received the refund on XX/XX/XXXX. Unfortunately, I never received the money. 

For months I worked with both XXXX and PayPal to sort out this situation. PayPal insisted that the refund had been successful and that the problem was with the issuer. At the same time, XXXX equally insisted that they did not receive the money from PayPal. 

The attached information contains the following : Screenshots from my PayPal account showing the refund Three different emails on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in which PayPal provided the trace number XXXX and laid all responsibility on the issuer Letter sent by XXXX on XX/XX/XXXX stating that they were unable to locate the refund. 

Given that I was unclear on where the issue laid ( did PayPal not send the money? Did XXXX not receive it? ), and the only universal irrefutable truth was that my money was missing, on XX/XX/XXXX, I opened complaint XXXX against XXXX with the CFPB. 

On XX/XX/XXXX XXXX provided this official response to the CFPB : Thank you for your patience while we reviewed your account. We have no record of receiving a credit for {$280.00} from XXXX. Due to the time that has passed since the original charge took place, we are unable to assist you further with this matter. The charge is now past timeframe to dispute {$280.00} of the {$350.00} purchase with XXXX from XX/XX/XXXX. We confirmed that when you initially contacted us about this matter earlier this year the charge was past the dispute timeframe at that time as well. We encourage you to work with PayPal, the merchant or seek other options outside the dispute process to obtain a credit. You may want to request that they issue the refund to you by a different method such as a check. Thank you for your feedback. We have forwarded your feedback about your experience in contacting us about this matter to the appropriate parties for further review. 

Given that now XXXX confirmed definitely that refund with trace number XXXX was never received, it is proven that PayPal is the entity at fault. As a result, I demand that PayPal funds my PayPal account XXXX with a balance equal to the missing refund : {$280.00} or mails me a check for this amount.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (TN)

I have been trying to get the late off of my credit report for months. I have sent in disputes and nothing has changed. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I noticed hard inquiries on my credit reports that I did not make. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX and XX/XX/XXXX. These were all unauthorized. Theres also a credit like with capitol one appearing on my XXXX XXXX report I also did not make.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America will not work with me. My account is 6 months past due. However, they are saying it's only 2 months past due. What they are doing is charging fees and late charges again for month 1 and month 2. They advised they have to reset the account back to 1 month past due in XXXX. because they thought I had died. The account, had gone to estate back in XXXX. I never died. All I want to do is resolve this. I am not going to pay {$220.00} month in late fees and late charges. For some reason they called the wrong number to get the wrong info.
Consumer complaint received 2021-08-24
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: TRANSWORLD SYSTEMS INC (DE)

I've been disputing an account with XXXX XXXXXXXX XXXX, TRANSWORLD SYSTEMS INC Account # : XXXX, which is a paid medical account that has been disputed. There is a law that prohibits such reporting called XXXX, and I believe the CFPB is the proper arbiter of such cases. XXXX has repeatedly violated my consumer rights granted under XXXX, and you should make them pay for their infraction!
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

In XXXX  my wallet was stolen. I contacted the credit card companies and informed them of the thief. I asked for my account to be frozen and to not allow transactions. Most of the card companies complied and where very helpful, however for what ever reason a couple of the cards allowed transactions and placed me in debt. I tried to work with them and bent over backwards trying to keep the accounts paid until they could fix my account. I asked for a fraud investigation on the transactions and nothing was done. I was forced to work with a Debt Consolidation Company to try ad salvage my credit. The accounts discussed have been paid as agreed. XXXX XXXX  has kept an amount on my credit which has been paid through consolidation even though they caused the balance by not freezing my account when my property was stolen. 

They received and agreed amount and with this they agreed to report paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. 

Wells Fargo shows the account as paid, however they should be reporting paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. Wells Fargo let several transactions through before they froze the card as well. 

XXXX XXXX corrected the account however the reporting is incorrect. They need to update the account to paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance paid as agreed. They are still in the process of trying to give me back the settlement amount paid as it was due to thief.
Consumer complaint received 2021-01-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (PA)

1. we financed an investment property through Sprout mortgage. 

2. XXXX we closed on the property : {$1400.00} monthly principal & interest {$280.00} monthly escrow ( this is for flood insurance only ) {$1600.00} is our total monthly payment *hazard insurance and taxes are not included in the mortgage payment 3. XXXX a letter was sent from Planet Home Lending stating they have bought our mortgage from XXXX. 
4. when the letter was received I created an account for Planet Home Lending and saw they are charging us {$2700.00} per month. 
5. XXXX the mortgage invoice was sent from Planet Home Lending showing our amount due XXXX is now {$2700.00} ( XXXX for home owner insurance + XXXX for taxes= these are NOT in escrow we are paying them out of pocket ) + XXXX for flood insurance ( this is in escrow ) 6. XXXX the annual escrow account disclosure statement was also sent now stating we have a shortage of {$2000.00} in the escrow account. That we owe an additional {$280.00} per month for the escrow shortage. 

THE HOME OWNER INSURANCE AND TAXES ARE NOT IN ESCROW AS STATED IN OUR CLOSING DISCLOSURE Contacts with Planet Home Lending : XXXX sent an email to Planet Home Lending asking them to correct the error on our mortgage. 
XXXX spoke to XXXX who transferred me to the tax division of the company XXXX spoke to the tax division when transferred me back to customer service where I was on old for over 15 min and had to hang up because no one ever came on the line. 
XXXX spoke to XXXX in customer service who advised me not to make a payment she sent the account over for review. 
XXXX mailed a letter to Planet Home Lending showing our closing disclosure stating that only the FLOOD INSURANCE IS TO BE IN ESCROW XXXX spoke to XXXX in customer service who advised me there are notes in my file about the account being under review. He told me to call back. 
XXXX received an email from Plant Home Lending stating that analysis was done and we owe more money due to an escrow shortage. 
XXXX sent another email again to Planet Home Lending stating that XXXX + XXXX for taxes and homeowners insurance are NOT TO BE INCLUDED IN ESCROW. 
XXXX received an email back that Planet Home lending that my complaint was received and would be responded back to by RESPA guidelines. 

I NEED TO SEND A MORTGAGE PAYMENT FOR THE CORRECT AMOUNT THAT WE SIGNED THE CONTRACT FOR WHEN WE PURCHASED THE HOME OF {$1600.00} PER MONTH. NOT THE FRADULANT AMOUNT PLANET HOME LENDING IS TRYING TO CHARGE US.