davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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. 

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 violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

After researching the reputation of Mr Cooper, I can see I 'm not the only one who they can not seem to 'service ' properly. They were happy to buy my mortgage from a big bank and _claim_ they 've paid the homeowner 's insurance as required by the mortgage but, like so many others, the check just does n't seem to get there. And without homeowner 's insurance they want to modify the terms of the mortgage? This is a predatory lending practice ... they should not benefit from failing to adhere to the terms of the mortgage ... I PAID into the escrow all year ; they are REQUIRED to pay those monies on behalf of both of us to protect BOTH party 's interests. Clearly there is a pattern and rudimentary research on consumer complaint boards and XXXX show there are internal problems with this company 's desire to do the right thing by consumers who have no choice but to do business with them. 
This mortgage company should be MADE to make it right with all consumers by providing proof of payment ( just like I would have to do showing a franked/processed check & the account it went through ) or they should have to pay penalties and make it right with the insurance companies who are cancelling policies because premium checks do n't arrive or bounce. What can a consumer do? I did n't choose this mortgage company. I am no longer in a position to modify or refi with another lender as I was when I took out the loan decades ago ... I just want to continue to pay as I always have, pay off the note, and keep my home for my children 's sake. Clearly this is all just a money game to them while consumers lives are toyed with while they work hard to keep their homes.
Consumer complaint received 2018-08-10
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. (GA)

On XX/XX/2018 I notified XXXX that there were inaccurate and/or erroneous items listed on my credit report. I received a computer generated response on XX/XX/2018 headed " Important Information ''. Moreover, the responds letter never answered my complaint or inquiry. 

I sent a second request on XX/XX/2018 restating my complaint or inquiry of the inaccurate and/or erroneous items. On XX/XX/2018 I received a response heading again " Important Information ''. In addition, to being nonresponsive to my complaint of inaccurate and/or erroneous items listed on my credit report. XXXX mailed me a " dispute results '' letter stating all companies have responded and they have verified the accuracy plus they have updated their files. 

In retaliation for filing the complaint I've received numerous collection letters from collection agencies, stating they own the debt and are demanding the inaccurate or erroneous debt that I never had with them or whom they bought the debt from. I believe these retaliatory actions to be criminal and a direct threat to the laws as they are written for consumers called the Fair Credit Reporting Act. 

XXXX has not done their due diligence with regards to my credit profile and it has cost me employment harm, financial harm and emotional stress.
Consumer complaint received 2024-10-23
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. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2018-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

I filed a complaint with my bank about fraud on my card on XX/XX/2018, there were 50 charges totaling {$2000.00}. I was informed by my bank today that they could not prove the charges were fraud. And that they look at the charges as a whole and if they think one is not fraud then they refuse to refund on all the charges. In this case 45 of the charges were out of state or internet games and 5 of the 50 charges were in my state but hundreds of miles from where I live. 

When I asked what steps the bank took to prove these disputed charges were not fraud they told me they could not tell me because it was bank secrets. 

Wells Fargo Claims # XXXX
Consumer complaint received 2018-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accounts Management, Inc (SD)

reference : XXXX The company AMI ( Account Management Inc ) did send me the validation of debt as I requested back in 2016. I went online at the hospitals website ( XXXX ) and paid off all the bills and amounts that they listed. This was a judgment, and since paying it on XX/XX/2016, the judgment remains as active with the clerk of courts even though the amount they sent was paid in full. I am closing on a house in 14 days, and this needs to be showing as satisfied asap. It was removed from my credit reports years ago, so I thought it was gone and had no idea until now that the title was ordered, that it was still showing active.
Consumer complaint received 2024-08-30
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)

My information is being misused by the company per 15 U.S. Code 1681e my consumer report is not reflecting maximum possible accuracy. They are still reporting a debt that is no longer outstanding after I have informed them about it. I even submitted proof that the alleged debt is no longer outstanding with the proper legal documentation. They have failed to grant my request as a federally protected consumer. Now I am suffering from having inaccurate information reporting on my credit report and this is causing me financial hardship.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian retaliated againgst me for reporting them. Fraudulently stated I recently reported identity theft which I did not. Multiple disputes used the cover that I reported identity theft to avoid handling my legitimate disputes with XXXX XXXX, XXXX and XXXX. Experian should be investigated today the lowered my credit score 68 points because of XXXX XXXX a company that failed to advised what happen to my return and what they are ruining my credit over. Experian should be fined for manipulating my credit score showing as if XXXX XXXX is a recent legitimate debt. Without showing debt or proof of debt.
Consumer complaint received 2018-08-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (OR)

Original loan is for {$900.00}. Payback amount is {$4100.00}. I feel that this is in violation of Usury laws in the state of Oregon. They are also not licensed to loan in Oregon.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I would like these items removed from my credit reports because I am a victim of identity theft.I noticed several inquires on my credit report that I did not authorize. 

Inquiry # 1 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 2 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 3 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 4 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 5 XXXX  DATE : XX/XX/XXXX Inquiry # 6 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 7 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 8 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 9 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 10 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 11 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 12 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 13 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 14 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 15 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 16 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 17 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 18 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 19 XXXX DATE : XX/XX/XXXX Inquiry # 20 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 21 XXXX XXXX   DATE : XX/XX/XXXX INQUIRY # 22 XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-23
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. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2018 I notified Experian that there were inaccurate and/or erroneous items listed on my credit report. I received a computer generated response on XX/XX/2018 headed " Important Information ''. Moreover, the responds letter never answered my complaint or inquiry. 

I sent a second request on XX/XX/2018 restating my complaint or inquiry of the inaccurate and/or erroneous items. On XX/XX/2018 I received a response heading again " Important Information ''. In addition, to being nonresponsive to my complaint of inaccurate and/or erroneous items listed on my credit report. Experian mailed me a " dispute results '' letter stating all companies have responded and they have verified the accuracy plus they have updated their files. 

In retaliation for filing the complaint I've received numerous collection letters from collection agencies, stating they own the debt and are demanding the inaccurate or erroneous debt that I never had with them or whom they bought the debt from. I believe these retaliatory actions to be criminal and a direct threat to the laws as they are written for consumers called the Fair Credit Reporting Act. 

Experian has not done their due diligence with regards to my credit profile and it has cost me employment harm, financial harm and emotional stress.
Consumer complaint received 2018-08-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

I have repeatedly asked for a validation of the amount which was reported to all credit agencies, but they keep sending me old statements from different periods from the previous creditor, each contain different amounts, one for {$21.00} and another for {$50.00}. The statements are not validation per se. They claim I owe {$240.00} which I do not believe I owe. I then asked for validation of the amount but all they send me are copies of past statements with different amounts, as stated above, amounts which I do believe I have paid off in the past. They need to prove how they came up with {$240.00} but have not been able to do so.

The collector and all credit agencies only respond to me by stating they have already answered my questions and will not respond anymore. I can not afford a lawyer at this time.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

I have sent numerous letters requesting that unauthorized inquiries be removed from my credit report. I sent one this month as well as last month the month before and they refused to remove inquiries they were not authorized by me and it's causing negative impact on my credit report.
Consumer complaint received 2018-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (GA)

Complaint against Franklin American Mortgage. 

A payment of {$800.00} was sent to them through Bill pay for {$800.00} on XX/XX/XXXX for XX/XX/XXXX payment. The payment cleared the bank on XX/XX/XXXX. 

Another payment of {$800.00} was sent to them through Bill pay for {$800.00} on XX/XX/XXXX for the XX/XX/XXXX payment. The payment cleared the same day. 

XXXX XXXX XXXX applied the payments to the wrong account. 

When I received a letter stating my mortgage was past due, I called. I faxed proof of the payments on XX/XX/XXXX. This proof - which was straight out of the checking account with reference numbers was not enough. Bill pay had to get involved. They called me at work and informed me of a past due balance - without every reading the notes on my account that two payments were being researched. Every time I called to check the status, they were unable to locate information or had not found the payments. The payments and past due amounts were finally applied to my account after I faxed the proof of payment 6 different times to their  company. I called today to make sure they were updating the credit bureau, they reported the mortgage delinquent two months in a row. I had already requested this in writing, but nothing was being done. She said it would take a minimum of 30 days. I explained to her that it literally takes a minute for her to fax a letter to the credit bureau stating it was reported in error.

This company is unprofessional. They are worried about receiving their money but are not concerned with helping you when they have misapplied the payments. They also are not interested in correcting their mistake with the credit bureau.

I DO NOT RECOMMEND EVERY HAVING A MORTGAGE WITH THIS COMPANY
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have contacted Capital One multiple times between the weeks of XX/XX/18 through XX/XX/18. I am unable to make an account online to be able to pay my future bills. I keep being told that I had an old profile and that they have to delete my profile in order for me to recreate an account. I was told I would be called back. Eventually I was called back was told they were still having issues with this problem. I was then hung up on. When I called back, I was told that it would be another 10 days to fix the issue. I need to be able to pay my bill online and Capital One is not following through on me being able to create my account that I am having issues with.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I applied for credit check services with Transunion, in about XXXX or XX/XX/2018. They had advertised it as " free credit checking '', and from then on, at least once a month, was charged a recurring {$19.00}. These charges have been taken out of my account for several months, without my knowing, and I never thought to check my bank statements, as I never knew they would be charging me in the first place. My bank won't help with disputing charges, so I need to come to CFPB. 

I have called Transunion, and of course they ask me all of my personal information just to get into my account. They couldn't help me since I initially filed online. They gave me an online account referencing phone number, but was able to cancel my subscription online. I have submitted here to the CFPB a screenshot of the email I received this morning from TransUnion, acknowledging my cancellation request.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (KY)

I had tickets for an event which happened on XX/XX/2017, two days before my XXXX family members became sick and were not able to travel and attend that event. I have submitted a claim for {$970.00} under my Citi Card Benefits and it was assigned the Request # XXXX on XX/XX/2017. I have provided all requested documentation to support my claim, including doctor notes. I have contacted the Citi Benefits about this claim 4 times, and every time they made me resubmit the same documents all over again. Last time the Citi CSR requested a proof of tickets cancellation, which can not be possibly obtained since those tickets were non-refundable and non-returnable, therefore no a way to get any cancellation proof.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (MN)

I received a charge for annual fee and within 30 days of charge appearing on statement requested in writing to cancel the card and reverse the annual fee. Bank refused saying previous month 's statement informed me that I would be charged for the annual fee. I had not seen this on the prior month 's bill, as it wasn't actually a charge, and would have cancelled the card a few weeks earlier if I had. I'm attaching the bill where I received this " notice '' so that you can see it is not something that would jump out at the ordinary person paying bills. I have not used the card and do not intend to use the card and asked for the bank to cancel the card.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is reporting a late payment on XXXX/XXXX XXXX card XXXX I have called XXXX XXXX and this is not accurate the account has never been late ever. How can Equifax report such inaccurate data? I need some help
Consumer complaint received 2024-10-23
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. (MS)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.