davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX SOC SEC # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : All Dear Sir or Madam : This is not a dispute. I am a victim of Identity theft. Please do not act in violation of the FCRA 605b. As the consumer I have done my part in reporting this to all necessary authorities including the FTC & Local Police ( Reports are included in this package ). My signature on the FTC & Police reports serve as my sworn statement. 

The information listed below appears on my credit report, but I did not make or approve of these transactions. 

Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX Please delete the following employer : XXXX XXXX  The following accounts are a result of Identity theft : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$34000.00} XXXX  {$36000.00} XXXX - {$36000.00} XXXX XXXX XXXX XXXX CHARGE OFF EF History : XX/XX/XXXX ; -- -- -- -- -- -- -- XXXX -- Late Dates : XXXX, XXXX XXXX XXXX XXXX XXXX CHARGED OFF ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$32000.00} XXXX  {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX CHARGE OFF EF Late Dates : LAST LATE DATE XX/XX/XXXX CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS ; CHARGED OFF ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$51000.00} INST {$51000.00} XXXX - {$51000.00} XXXX XXXX XXXX XXXX CHARGE OFF EF Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to also promptly notify the businesses that sent you that information I have enclosed a copy of my credit report and circled the fraudulent items on the report. I have also enclosed a copy of my Identity Theft Report, a copy of my Police report and proof of my identity. I appreciate your prompt attention to this matter. 

My XXXX XXXX ( Please include on fraud alert ) Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 

XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

Evrything tarted back on XXXX of XXXX  I had decided to open a saving account with XXXX XXXX  on line yes they were many popupd so I activaded the adblocked and a black screen came up on my computer quicly compuyrt comprimised and I Disconected it and then after XXXX minutes turned the pc on and it worked normally after XXXX minutes it came back again and large blue screen I was doing something and my account from XXXX XXXX was comprimised that day I called geeks on site to remove the blue screen they did and when the computer came back it was on XXXX XXXX on line account the balance read XXXX dollars I lost that day XXXX I had to pay the card up and asked XXXX XXXX to un report once it got payed up and they did but some time later XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never had any account with these creditors as i know as there intrest rate and services are bad news
Consumer complaint received 2024-10-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NEXA Mortgage, LLC (IN)

My Info was sent to Nexa mortgage, I was told that I was approved. I submitted an offer on a home and paid for an appraisal all alone the way asking for a copy of the approval letter from Nexa. I asked the loan officer and the two realtors I was working with, no luck. I then called the person on the contract offer for the home XXXX XXXX after many calls I was finally able to speak with him. He ( XXXX XXXX told me it was not approved. I asked him to send me that in writing that was XX/XX/year> despite many phone calls and emails I still haven't received the letter.
Consumer complaint received 2024-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (OK)

The reported late payment is affecting my credit profile and does not accurately reflect the circumstances surrounding the account activity. 

The late payment reported occurred under exceptional conditions, and I believe it may have been recorded in error. I have always aimed to maintain a positive payment history with Commerce Bank, and I kindly request that you investigate this matter for possible correction
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Consumer complaint received 2024-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (OH)

Ive always paid on my mortgage every other week for 16-17 years. Now mortgage company has misapplied payments to other places outside my monthly mortgage payment ; charged late fees; threatened to report to credit bureau agencies; charged me for condo insurance which Ive already supplied them with. No audit review ; Nothing. Ive even faxed them a list of all payments made to them since the beginning of the year. I am more than happy to forward the faxes sent
Consumer complaint received 2024-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AL)

I have a Citibank AAdvantage credit card that had XXXX fraudulent charges totaling XXXX ( from XX/XX/XXXX, XXXX XXXX, 2024 ) in XXXX, TN. I never use this credit card. I have never been to TN. I don't know anyone in TN. I have not made any purchases using this card. I just happened to check the account XXXX XXXX  and noticed those fraudulent charges. I never received any notification from Citibank. The first time I contacted Citibank, I was told they will mail a letter with reference # ; at that time I provided my home address. Weeks went by, no letter -- I contacted Citi again & I was asked to verify my address -- I was told that was not what they had in their system ( even though I had provided that information the first time I called ). I believe whoever made those charges, changed my contact information. According to Citi, they are unable to update my contact information, access my account, address this issue or verify my ID any other way ( although I have provided my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -I have to wait for a correspondence letter with a reference number. It's been over a month and I have yet to receive this letter. I called Citi again on XXXX XXXX and was told they will reissue the letter. I am still waiting on this letter.
Consumer complaint received 2024-09-28
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)

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.

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 2024-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (LA)

My complaint involves the XXXX XXXX XXXX XXXX by US Bank not applying the appropriate rewards for transactions. This card should apply XXXX  % cash back rewards for insurance purchases up to {$XXXX} per year. 

In XXXX of XXXX, I paid my XXXX XXXX XXXX XXXX policy with the XXXX XXXX XXXX XXXX card. The bill was around {$XXXX}. The statement that month accurately reflects a XXXX   % reward. In XX/XX/year>, I paid my XXXX XXXX XXXX XXXX policy with the same card. The bill was around {$XXXX}. The statement only showed a XXXX % reward for this transaction. No other purchases were made on this card in XXXX. 

On or around XX/XX/XXXX, I called US Bank customer service to report this issue. They took notes of the issue and said I would be contacted by mail in XXXX weeks. On or around XX/XX/XXXX, US bank contacted me by mail to say that they were still investigating the issue. I have received no further updates and the rewards balance has still not been corrected as of XX/XX/XXXX.
Consumer complaint received 2024-11-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rubin & Rothman, LLC (NY)

To Whom It May Concern : I am filing a formal complaint against Rubin & Rothman , LLC, regarding their alleged unfair and unlawful collection practices, as well as potential violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This complaint specifically addresses Rubin & Rothman, LLCs ( the collector ) attempts to collect on a debt purportedly owed to XXXX XXXX, and XXXX alleged issuance of a 1099-C form to the IRS without notifying me. 

1. Failure to Provide 1099-C Notification : XXXX XXXX . appears to have filed a 1099-C form with the IRS in relation to this debt. Under IRS rules, creditors who issue a 1099-C form must provide the debtor with a copy. However, I never received such notice, leaving me unaware of any potential cancellation of debt income reported to the IRS. This oversight may affect the legal status of the alleged debt and my credit report, which under the FCRA must accurately reflect all pertinent information related to a debt. 
2. Violation of Fair Credit Reporting Act ( FCRA ) : Rubin & Rothman, LLCs actions may be in violation of the FCRA, specifically : Inaccurate Reporting of Debt : The FCRA mandates that credit information must be accurate and complete ( 15 U.S.C. 1681e ( b ) ). Due to XXXX apparent filing of a 1099-C, Rubin & Rothman , LLC may be reporting a debt that has been discharged or forgiven, leading to a potentially inaccurate credit report entry. 
Failure to Provide Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am entitled to a validation of the debt. However, despite my request, Rubin & Rothman , LLC has failed to provide me with a debt validation letter, creating further uncertainty about the legitimacy of this debt. 
3. Improper Venue and Lack of Jurisdiction to Sue in New York : Rubin & Rothman , LLC has filed a lawsuit against me in the state of New York, despite the fact that I am a resident of Ohio. This filing is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692i, which requires debt collectors to bring legal action either in the district where the consumer resides or where the contract was signed. Since I do not reside in New York and did not sign the contract in New York, this lawsuit constitutes an improper venue and is thus unlawful. 
4. Lack of Authorization to Collect in New York : Rubin & Rothman , LLC has yet to provide evidence of their authorization to collect this debt in New York, where they have initiated litigation. Under the FDCPA, debt collectors are required to prove their authority to collect, especially when jurisdiction is in question. I request that they produce documentation establishing their right to pursue this debt collection in New York, in compliance with applicable state laws.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Pa XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Dispute of Billing Error 15 U.S.C. 1666b I am writing to formally dispute a billing error on my credit card account, as provided for under the Fair Credit Billing Act, specifically 15 U.S.C. 1666b. My account number is XXXX Upon reviewing my recent billing statement dated [ Date of Statement ], I noticed the following discrepancies : : This charge of an inaccurate late payment dated [ XX/XX/XXXX ] was not authorized or is inaccurate because [ provide details about why the charge is incorrect, e.g., it was a duplicate charge, an incorrect amount, or an unauthorized transaction ]. 
I have enclosed copies of relevant documentation to support my claim, including [ list any documents you are including, such as previous statements, receipts, or correspondence ]. 

According to 15 U.S.C. 1666b, I am requesting that you investigate this matter and correct my account accordingly. I kindly ask that you provide a written response within the timeframe stipulated by law. 

Thank you for your attention to this matter. I look forward to your prompt response to resolve this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC (TX)

For over 18 months we have attempted multiple times to have PMI removed from our mortgage. We owe XXXX and recent XXXX  and appraisals show values around XXXX XXXX dollars. Roundpoint has refused the request multiple times and today refused to give the company who has our PMi but finally gave it after I refused to get off the phone. XXXX was very kind but said that all requests must come from roundpoint. My complaint is against Roundpoint mortgage for deceptive and illegal business practices.
Consumer complaint received 2024-09-28
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. (TX)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Today 's Date XX/XX/XXXX DOB- XX/XX/XXXX SSN- XXXX ( FTC XXXX ) - XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject XXXX Identity Theft Dispute under FCRA 605B To Whom It May Concern, I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. Between the year XXXX very important documents that verified my immigration status were lost. Included in those documents were my XXXX XXXX, Social Security, XXXX ID, and files that noted down any important detail about my life. It took me a very long time to replace most of those documents. I decided for the first time to create an account on these credit bureaus and have seen that there is a lot of false information attached to my credit profile. I truly believe these accounts were opened by a 3rd party who found my lost information but never turned them in.

As an immigrant I was unaware of how easy it was for people to steal your identity. I am hoping for the best results regarding the following accounts below.

The accounts listed below do not belong to me and were fraudulently opened using my personal information.

I have attached a copy of my Identity Theft Report, as well as supporting documents, including a government-issued ID and proof of address. Pursuant to 605B of the FCRA, I request that you immediately block the fraudulent information from my credit report and take the necessary steps to prevent it from being reinserted in the future. 


The fraudulent accounts in question are as follows : 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 I demand that these accounts be blocked from my credit report immediately and that any and all inquiries related to these fraudulent accounts be removed as well.

Under 605B ( c ) of the FCRA, you are required to block the fraudulent information within four business days of receipt of this valid identity theft report. Failure to comply will result in further legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal recourse. 

Please send me written confirmation that these accounts have been blocked and removed from my credit report within the required time frame. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CT)

I paid my student loan off in full to MOHELA in XXXX. I overpaid them {$120.00}. After I paid them they transferred my loan to XXXX. MOHELA never sent them all the payments that I made so I showed proof to EdFinancial to show them that I overpaid MOHELA {$120.00} and need a refund. Neither companys willing to be accountable and point the blame to the other to deal with it. No one has been able to help me with this.
Consumer complaint received 2024-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

MOHELA failure to process XXXX application MOHELA failure to process XXXX IDR application in timely manner. MOHELA failure to place on interest-free processing forbearance, as instructed by the US Department of Education , after XXXX ( and not processing the XXXX IDR Application within 60 days ). Incorrect account balance due to loan accruing interest in error after XXXX due to MOHELA 's failure to process IDR application within 60 days. US Education Secretary XXXX has indicated these IDR applications should be processed within 4 weeks. This IDR application should have been processed in XX/XX/year>2024. Loan should be placed into processing forbearance XXXX due to MOHELA failing to process IDR application within 60 days. Loan balance needs to be corrected as should have not been accruing interest since XXXX. Any and all responses aside " Processing forbearance has been placed on loan as of XXXX, processing of loan in Save IDR, account & interest balances has been corrected '' will be rejected. A MOHELA response of " This will be escalated '' will be rejected ( MOHELA likes to reply " We will escalate '' ... .but actually does nothing ). Many attempts have been made the past 8 months to resolve. MOHELA has continually lied and deceived myself and borrowers over & over again with their call deflections, made up timelines and phony escalations where they proceed to do nothing.
Consumer complaint received 2024-11-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

Discharged Debt : A discharged debt typically means that the debtor is no longer legally obligated to pay it. In bankruptcy, the discharge is granted by the bankruptcy court under 11 U.S.C. 727 ( in XXXX  XXXX bankruptcy ) or other relevant provisions. If the debt is discharged in bankruptcy, creditors, including third-party debt collectors, can not continue collection efforts unless the discharge order is violated.

3. Proof of Debt and the Wet Signature : A wet signature refers to a traditional signature on a paper document, often used in contracts. In the case of debt collection, it is not always required to prove ownership of a debt, especially if the debt has been sold. However, the third-party debt collector must provide sufficient evidence that they have standing to collect the debt, which may include proving the assignment of the debt from the original creditor.

Under FDCPA, if a debt collector is attempting to collect on a debt, they must be able to validate the debt if disputed by the consumer ( 15 U.S.C. 1692g ). This can include showing documentation, though it may not require a wet signature on a contract. However, if no agreement or assignment exists ( i.e., the third party can not prove they legally own the debt ), they may not have standing to collect.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Bankruptcy Code : 11 U.S.C. 524 ( Discharge injunction ) and 11 U.S.C. 727 ( Discharge in XXXX  XXXX ). 
State laws may also provide additional protections, such as requiring more specific documentation or disclosures when debts are sold or transferred.

In summary, if the debt has been discharged through bankruptcy, a third-party collector can not pursue the debt, regardless of whether they have a wet signature or other documentation. If the debt has not been discharged but the collector can not prove ownership or provide appropriate documentation, they may not have the right to collect. Consumers should be vigilant in requesting validation and seeking legal counsel if they believe their rights are being violated.