davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP (FL)

I have attempted to call and email and fill out a contact form for this company. They have put all the money in my bank account on hold. My bank account will not release anything until I get a letter of payment plan from this company that will not answer me.
Consumer complaint received 2024-11-03
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXXXXXX - account closed affecting credit report and not deleted off credit report XXXX XXXX XXXX account closed affect credit report and already deleted off credit report per transunion XXXX XXXX XXXX never opened account and XXXX be affecting credit score XXXX XXXX XXXX {$920.00} dollars reporting false information and affecting credit score
Consumer complaint received 2024-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

An initial request for cancelation of the PMI on our mortgage was made in XXXX. We submitted an appraisal from a local appraiser who had appraised this home twice before ( during the initial purchase and during a refinance ). The appraisal showed that the value of our home was {$560000.00} at that time. At that time our request was denied because the appraisal was not provided by the Lakeview Loan Service. 

This was later revisited in XXXX XXXX XXXX We authorized Lakeview to perform the appraisal. The new appraisal listed the home value at {$500000.00}. As a local XXXX, I'm well aware of home values in my region and the reported value did not align with my professional opinion. We became aware that the appraiser was not local and was unfamiliar with our local marketplace. We decided to dispute the decision. 

As part of our dispute, we paid for a third appraisal with another local appraiser and this appraisal reported the house value at {$550000.00}. At that time we had a mortgage value of {$400000.00}. This is 73 % of the value of the home and well under the threshold for requiring PMI. Our dispute was again denied. 

We made a last attempt to appeal the decision and provided Lakeview with evidence that they requested showing how our home compared to homes of similar value in our area. This was provided in detail and our appeal was again denied.
Consumer complaint received 2024-09-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-08-12
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-06-17
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. (TX)

My credit reports have all incorrect, Fraud, Items- 17 late payments, not correct I have proof XXXX  states I was late in XX/XX/XXXX, when payment was drafted from my account, I was never late on any of my Payments. I also have Status Bankruptcy Status for Ch XXXX, CH XXXX, I have documents to upload to support this. I also have a XXXX XXXX XXXX  XXXX, I have a signed Contract for XX/XX/XXXX, and they have a signed Contract for XX/XX/XXXX, not correct I have been harassed by them, as They failed to send me the Original Contract which includes 2yr Warranty, Gap, They have a Contract that does not have, OCCC investigated, which stated a 2yr Warranty Contract, After the OCCc investigation, I began to get delinquent emails, when I contacted them, they stated due date was Due on the XX/XX/XXXX of every Month instead of XXXX, I had no choice but to Pay on the XX/XX/XXXX, and I only was given 1yr, but charged for 2yr warranty. I was still being reported late even after paying on their terms. I submitted the Police report Fraud to XXXX   XXXX explaining I did not sign and not my signature, got Affidavit from Bank and Police Report and it was still denied. I had asked them to pick up the Vehicle as they never did. I am submitting proof of on time Payments and Legal Support Documents. I have made several Complaints, but have been unsucessful. A Repossesion, late payments, and a Bankruptcy is reading on my reports. I have had Monitoring Services for years, and it has not helped, as I have several unknown Inquires, I also asked for The Credit Bureas to Verify Negative Info with me, Prior to Placing. Just as they ask for proof of Identy to investigate they need to do the same for Third Parties. Please Have XXXX and Experian Fix these Errors. They have Continued to Report Items as Verified, which is Not Correct.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

Dear CFPB I wrote by mail to you in XX/XX/XXXX; explained below in detail. Please see summary ; On XX/XX/XXXX ; I was notified by other investors, customers and employees that my ( now ex ) business partner investor frauded the company, customers and all the funds sent by me, all the credit cards, loans since XX/XX/XXXX ; in amount exceeding XXXX XXXXXXXX. I also immediately contacted credit cards, credit score companies by phone ( hours spent ), loan companies, banks, and I was told this was " a civil matter '' to be brushed off and they didnt ask or go after the perpetrator who used XXXX XXXX XXXX to fraud me and others. All 11 banks and loan companies refused to help me. So I went on a search, this is not as they claim a civil matter. THIS IS A FEDERAL crime, and all the records will show that I begged pleaded with these companies, yet they continued and still continue to come after me. I then by email, mail contacted my senators, law enforcementand and law offices of XXXX XXXX in XXXX who handled XXXX XXXX case, to prosecute him. I am writing to inform you to inform all credit card companies, loan companies, credit score companies and reply to me that you received my letters. All the cards and loans in my name XXXX XXXX are used and my funds by this perpetrator, XXXX XXXX  and his accomplice XXXX XXXX I ask you to notify these banks as well. 

As the perpetrator committed a crime of fraud, false documentation, fraud invoices, investment scam, identity theft, tax fraud among many others, I thank you for your support in advance. You can also contact my attorney XXXX XXXX and direct these banks : XXXX XXXX He | Him | His Partner XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Kind Regards
Consumer complaint received 2024-09-03
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC (AZ)

The incident occurred on XX/XX/23. I, XXXX XXXX left to the store and my cousin XXXX XXXX had started cooking using oil and went to the restroom and by the time he came out the restroom he had seen flames so he proceeded to use water and it made the fire grow a tad bigger and was able to get the fire out by the time the fire department came the sprinklers had flooded the apartment. It was minimal damage done to the apartment. The microwave was damaged and there was a hole in the wall from the fire department. When I came back I helped clean and vacuum the water out of the carpet and the apartments also assisted with some heavy duty suction machines that had to be ran 24-7 for about two weeks.They served me an eviction notice to be on the XXXX of XXXX and I was out of the XXXX I am XXXX so my family helped me and I was able to get a lawyer to get my case dismissed. I was not home during the fire and I also have a statement from XXXX stating he is responsible for the charges. This was just put on my credit a year later which I dont understand why.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (KY)

XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. LVNV Funding llc acct # XXXX amount XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Last XXXX XXXX
Consumer complaint received 2024-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

My student loans entered repayment in an XX/XX/XXXX. I never received a billing statement from Mohela for the payment that was due on XX/XX/XXXX. I was previously set up for automatic payments and so the payment was automatically drafted from my account. I received a billing statement on XX/XX/XXXX for a payment that was due XX/XX/XXXX. I contacted Mohela about getting and administrative forbearance since I wasnt receiving timely billing statements and was advised that the statements were sent. Ive attached an email showing the date of the XXXX statement that I received. I dont have an email of the XXXX statement since so never received it. In XX/XX/XXXX, I received an email stating that I could request an administrative forbearance and refund for my XXXX payment. I emailed Mohela about this and receive a message in August stating that Im not eligible.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (MD)

I received a letter from XXXX dated XX/XX/year> that an ACH payment from a TD Bank account was returned for insufficent funds for {$19000.00}. Once I read the letter I called them to let them know one I don't have an account with XXXX XXXX and two I never had a TD Bank account. They couldn't do anything beacuse I had no account information for such account. Fast foward to today, I received a statement from TD Bank with an account number and the transaction that was returned for insufficent funds. I called TD Bank today to report this. They informed me that I should contact the Federal Trade Commission.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (TN)

Subject : Urgent Complaint Regarding Unjustified Locking of Funds by US bank I am writing to bring to your immediate attention a distressing situation I am facing as a customer of US bank. My account, holding a significant sum of {$87000.00}, has been locked for an unnecessary investigation without any valid explanation or timeline provided on XXXX of XXXXXXXX XXXX. 
This sudden and unjustifiable action has left me in a dire financial predicament. As a result of this freeze, I am unable to pay my bills, meet financial obligations, and crucially, my business operations have come to a halt. This situation has caused immense stress and uncertainty, jeopardizing both my personal finances and livelihood. 
I implore your urgent intervention in resolving this matter promptly and ensuring that US bank addresses this issue with the seriousness and urgency it demands. Your swift assistance in unlocking my funds and providing clarity on this unwarranted investigation would be greatly appreciated.
Consumer complaint received 2024-08-12
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. (FL)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

Received a call from a person identifying himself as a representative of JP Morgan Chase who asked about an attempted credit card purchase. We did not attempt this purchase. 

He said that someone had obtained my wifes XXXX and was using this in conjunction with the credit card to attempt purchases. 

He gave us a case number ( XXXX XXXXXXXX ), and said that the CFPB would have to lock down her SSN so that this fraudulent activity could not continue. He offered to transfer our call saying that we could not call directly! 

At that point, I hung up. I feared phishing. Ive never before received a call about fraudulent transactions. I assume that the CFPB does not know anything about this.
Consumer complaint received 2023-10-09
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have an account Mastercard with Navyist Rewards with XXXX. 
On XXXX or XXXX occasions at this point they have pulled credit report. It states that they have pulled it from Transunion. It says my XXXX XXXX is XXXX. That is a complete lie. My credit score is in the XXXX hundreds. They have lowered my credit limit each time they have pulled my report mind you without my permission each time. From XXXX to XXXX. Then it makes my credit go down.Then they look at my account with me while on the phone and they and my credit report and see that my score is NOT XXXX. IT IS IN THE XXXX HUNDREDS. Then they increase my credit back to XXXX as it was originally, which then impacts my credit score again.

This is absolutely insane. My credit is good. It is not seriously delinquent not do I have too few accounts currently paid as agreed. 

All my accounts are up to date and in excellent shape! I want this back and forth with they to stop! I want the information removed from my credit report immediately and I want my score fixed from the damaged that they have caused.
Consumer complaint received 2024-09-03
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (NH)

I went to use my Vanilla Visa GIft cards that expire on XX/XX/XXXX and XX/XX/XXXX and they had no funds available. The purchases were made in other states, I llive in NH and did not make these purchases. On appeal, I was denied because I did not appeal it soon enough. There should not be a timeframe to appeal these and there is an expectation that my accounts will be safe and there when I go to use them. This seems to be a recurring issue with Vanilla.If I save cards for a larger purchase I should not have to check the balance montly to make sure they have not been scammed. 

Card XXXX XXXX XXXX XXXX expires XX/XX/XXXX value {$75.00} used at a XXXX in California Vanilla/Incomm case number XXXX Card XXXX expires XX/XX/XXXX value {$75.00} used at XXXX XXXX XXXX  in Indiana Attached are the transaction printouts for both cards and the denial reason. Thanks for your time and assistance.
Consumer complaint received 2024-08-12
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. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I am writing to dispute the following information in my file, and have noted the relevant disputes. Upon a closer review, I found several accounts and credit inquiries that had been hit by my name aside from those which were unauthorized or unrecognized .XXXX the postings do not seem appropriate to my credit history ; but are incorrect account entries, or are accounts created due to identity theft. Due to the presence of these incorrect items, it has lowered my credit score and affected some personal finance. This has been a major worry as i have wrongful bad credit being attached to my file which in turn is not true history of how i use, spend or manage money.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After further review of my credit report and after requesting multiple investigations of the accuracy of the data. Transunion has continually allowed data furnishers to report data that is not compliant with the XXXX XXXX XXXX. The data deviates from the standard agreed upon by Transunion according to the XXXX agreement, adopted in accordance with 15 USC 1681. This deviation from the XXXX XXXX XXXX jeopardizes the integrity of the data, Transunion has verified that false data is being reported accurately.