davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act convergent account # XXXX, # XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights.

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

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-01-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (PA)

To Whom It May Concern : I have nowhere else to turn. My current mortgage lender ( Mr. Cooper ) has me over a barrel. Ive been trying to refinance for the past 2+ years, but every time I try, Mr. Cooper puts up a road block. 

What happened most recently, I make weekly payments for my mortgage, but in the month of XX/XX/XXXX I had one weekly payment reversed which resulted in a partial payment for XX/XX/XXXX and thus triggered a 30 day late status. 

Mr. Cooper did send a letter about the reversed payment, but I was unaware of the letter because I spent 3.5 weeks traveling in XX/XX/XXXX. Also, the letter that I received from Mr. Cooper was dated XX/XX/XXXX ; well past 30 days late and didn't give me an opportunity to rectify the payment issue. I was unaware the check was returned until I received/saw the letter. As soon as I came home, I saw the letter and made the payment right away. The payment was made on XX/XX/XXXX and that was for the balance of the XX/XX/XXXX payment ( the other weekly XX/XX/XXXX payments went through ).

I made a good faith effort in paying on time for XX/XX/XXXX, but due to Mr.Cooper notifying me after the fact, it made me miss the full XX/XX/XXXX payment by a few days. 

I can't seem to talk directly to the department within Mr. Cooper that investigates and reports to the credit bureaus in order to explain what happened. I keep getting the run around when I try to call in.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am slowly falling XXXX XXXX XXXX XXXX. Could've given up on my credit report despite the amount of times I've been ignored but I will try again and hopefully this time somebody from this company cares enough to save me from my credit disapprovals.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

My XXXX branded credit card was bought out by Barclay 's bank XXXX.

However, they failed to transfer the automatic payment. And give proper information.

Futhermore, all the Barclay 's mailer looked like a normal credit card offer or a potential phising scam since XXXX had my XXXX card since it was opened over 10 years ago. There communication therefore was securely shredded as precaution. I was not aware it change banks without my prior authorization either. 

Futhermore, when calling Barclay 's to setup automatic payment they failed to do so. Only manual payment seemed to work for awhile. This change and automatic payment issues resulted in Barclay 's marking the payment late on XXXX XXXXWhich resulted in another late payment marking on XXXX 2021. 

I called and had Barclay 's fix the issue. They stated they would make sure it doesn't show late payment on my credit card report. However, they also failed to do so.
Consumer complaint received 2020-03-17
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. (UT)

XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting the same debt to my credit report, this is a violation of the Fair Credit Reporting Act and they should not be double reporting. I need this removed off of my credit immediately.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX CT XXXX, GA XXXX TO WHOM IT MAY CONCERN, Re : Victim of identity theft this was not sent in error, and not a material misrepresentation To whom it may concern these items in my credit file are from unauthorized use of my social security number and card. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. 

Sincerely, XXXX XXXX Enclosures : Proof of identity, Affadavit of truth/identity theft report
Consumer complaint received 2023-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

-I refinanced my home in XXXX of 2022 with XXXXXXXX XXXX 
XXXX was subsequently sold to Mr. Cooper in XXXX. 
-Received a notice in late XXXX that my home insurance had not been paid ( escrow ). 
-Called insurer XXXX XXXX XXXX inform them that Mr. Cooper was the new mortgage company in case they didn't have that on file. I assumed everything would be straightened out. 
-Received a notice a couple of months later from Mr. Cooper that because I didn't have home insurance coverage they were assigning me a hazard insurance with a random company for {$1000.00} more than what I had previously paid per year ( and only covering fire damage ). 
-Called Mr. Cooper and they told me they had requested a bill from XXXX XXXX XXXX times to no response. 
-Called XXXX XXXX and they told me my policy of 9 years had been cancelled for non-payment in XXXX. 
-Mr. Cooper advised me to have XXXX XXXXXXXX XXXX a new policy and send it to them by fax so they could pay it and then cancel the new hazard policy they had assigned me against my will. 
-Called XXXX XXXX XXXX explained the situation to XXXX XXXX. and was told I'd receive a call in 2 days. 3 weeks passed without a call. 
-Called XXXX XXXX XX/XX/XXXX and was told they would not underwrite my policy because of " data for my location/neighborhood. '' -Called Mr. Cooper and they got a XXXX XXXX XXXX on the phone in a conference call. XXXX XXXX said they had been sending bills to XXXX XXXX ( prior mortgage company ) and Mr. Cooper said they had requested a bill multiple times through the portal process XXXX XXXX directed them to. 

At the end of the day, my escrow payment was not made in a timely manner, and it cost me my coverage with a company I have been covered with for 9 years, and I was assigned a new home insurance because of that error. That's illegal.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX City, State Zip Dob : XX/XX/XXXX SS # XX/XX/XXXX XXXX XXXX  Acct # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX Account Number : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/XXXX Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( 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.
Consumer complaint received 2023-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX tarnished my credit in spite of me paying off the loan. I have made numerous attempts to clear and dispute the error but have not received any response. I also disputed with credit bureaus all XXXX and they said to contact the creditor. I am attaching the letter XXXX sent me showing I paid off my loan. This has been affecting my credit since 2019 and recently when I applied for a new vehicle recently and they mentioned hundai!. It continues to come up on my credit report and I have evidence from XXXX document, see attached form. I sent that letter to credit bureaus and XXXX several times and nothing. 
Hope you can help. 

Thank you!
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (RI)

I opened a checking account with Citibank on XX/XX/year>. I deposited a check and set up my direct deposit with them on XX/XX/XXXX. On XX/XX/XXXX I logged in to check if my check was deposited and received an error to try again later. After several hours of trying to access the account I called Citibank to get help accessing. They told me I would have to wait XXXX hours or I could call the next day. I called the next day being Friday XX/XX/XXXX and was told my account was closed and they couldnt give me anymore information. They refused to give me an answer to why the account was closed or if they received my money. Afterwards I contacted my payroll department for help my employer explained that the direct deposit was completed and deposited to Citibank. XXXX suggested I call Citibank again and have them reverse the direct deposit. I called Citibank again that same day and was told they dont see the direct deposit yet and XXXX have to call back Saturday between XXXX and XXXX as they are open. I called back Saturday the XXXX at XXXX am and was told that department is not open on the weekends and XXXX have to wait for Monday to call. I called them Monday morning at XXXX for an update and was told the funds are still not showing in the account so theres nothing they can do. I was told now XXXX hours and weekends dont count so I need to check again tomorrow. I called today XX/XX/XXXX at XXXX to hopefully get this resolved. The representative told me the funds are available in the account as of yesterday the XXXX but due to the account being closed I wont receive a check of my funds for XXXX days. I explained what payroll told me to have them reverse the funds or transfer to my other account and refused to help in anyway. I finally asked to speak with a supervisor and she transferred me. Once I was speaking with the supervisor she told me that only my payroll department can reverse the direct deposit or I have to wait XXXX days. I told her that they said because Citibank accepted the deposit Citibank would have to reverse the funds. She finally offered another option to go into a local branch to get this resolved but theyre only located in XXXX  and I live in XXXX XXXX XXXX I was told again by the supervisor to have my employer reverse the deposit. I then talked to my employer and after getting payroll, rvp and head of hr involved they assured me that only Citibank can reverse the funds they accepted or transfer them to another account. Ive been stuck going in circles for almost a week with no help from Citibank. XXXX now in a financial hardship and unable to pay my bills as theyre set up to come out on my payday. I will continue to try and have Citibank send the money back to my employer but I dont see myself getting anywhere with them.
Consumer complaint received 2024-10-25
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. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (OR)

Response to Complaint ID XXXX Submitted XX/XX/XXXX Bank of New York response XX/XX/XXXX Can you please provide : Exact dollar amount : {$4100.00} Reference numbers : Bank of NY has a assigned no reference # to this case Transfer to : Bank of New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX. 
Routing # : XXXX Transfer from : XXXX  XXXX XXXX account of XXXX XXXX Account # : XXXX Tracing number : XXXX. Trace initiated by XXXX  XXXX XXXX XX/XX/XXXX Description of complaint below : I initiated an on-line transfer of {$4100.00} from my XXXX  XXXX XXXX account to Bank of New York . The full sum of the transfer was to be deposited into their client, XXXX XXXX account. The transfer was initiated XX/XX/XXXX. XXXX XXXX client, who was the intended final recipient of the transfer, manages vacation property and they reported to me that the funds were not received. To this day the property management company has not received the funds. XXXX  XXXX XXXX put a trace on the funds and Bank of New York responded they were unable to locate the funds. XXXX  XXXX XXXX dropped the claim. I personally called Bank of New York and spoke with the transfer department regarding the transfer that was to be deposited into their clients account. The transfer department confirmed the XXXX XXXX account number used was correct and that {$4100.00} had been deposited into the XXXX XXXX account on XX/XX/XXXX. I was told the money was a bank to bank transfer and therefore the funds can not be returned to me directly. I spoke with the manager of the transfer department and he confirmed record of deposit to the proper account and informed me XXXX  XXXX XXXX would need to submit a Letter of Indemnity to move the case forward. XXXX  XXXX XXXX escalated the case to their fraud department and I was informed by XXXX  XXXX XXXX that the case was once again declined due to Bank of New York not responded to their request to investigate. I have been advised by a financial attorney that I am entitled to a confirmation of deposit of the transferred funds from Bank for New York be sent to my XXXX  XXXX XXXX Branch Manager. I called Bank of New York again on XX/XX/XXXX and spoke with the manger of the transfer department, XXXX, a second time requesting a confirmation of deposit be sent to the XXXX branch manager where I have my account. XXXX laughed at me and XXXX laughed at me and stated he found this request highly unusual and that I have no right to any such documentation. I gave him the email of my XXXX  branch manager and requested he send documentation of transfer of funds. My branch manger has not received this confirmation as of this time.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (CT)

STELLAR RECOVERY INC Has place an account in collectection with XXXX, XXXX stating I Owe them {$400.00} dollars. I have never had a account with this company and only became aware of this debt when I received my credit report.
Consumer complaint received 2018-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MD)

On XX/XX/2017, I received a letter from a company named Midland Credit Management formally XXXX XXXX about a past credit card debt that was sold to them by XXXX XXXX Bank. After I couldn't come to an agreement with XXXX XXXX I wrote a letter on Febuary XXXX to Midland Credit Management along with a check stating that this was payment on my account to have it paid in full and upon them cashing the check they agreed to remove any negative remarks off of my credit reports with XXXX, XXXX, and XXXX, and mark this as paid in full and if this showed up on my credit report as a collection they would take the necessary steps to remove it. As of today this has showed up as a collection on my reports and should be removed immediately. I will be enclosing the copied letter that I wrote and the copy of the check that I wrote to them in which they cashed it. I'm writing to you today because I don't think it's right for this company to report this on my credit reports which the agreement was which I stated above and I would like for this company to remove this from my credit reports immediately due to the fact it's hurting my credit. Thank you for your time.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I have recently found a collection account on my consumer credit reports ( XXXX, XXXX, and Equifax ) from XXXX XXXX XXXX ( XXXX  ). This account is unknown to me as I have no contract with XXXX. Somehow, XXXX has gotten a hold of my non-public private information and is causing me harm by significantly reducing my credit score. Furthermore, XXXX  does not have my consent to disclose my information and I am informing them that I opt out of them sharing my information. XXXX has also violated the Privacy Act of 1974. 

Per the Fair Credit Reporting Act, as a federally protected consumer, I am now opting-out of any and all authorization I may have given you in any form whatsoever to share my private non-public information and it is my right to do so at any time per 16CFR313.7 ( f ).

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this sub-chapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non- affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called them several times to remove fraudulent inquiries I got on my credit report and they haven't done so, even tho they told me they were going to delete them within 24-48 hours. Here is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All XXXX credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, XXXX XXXX
Consumer complaint received 2024-10-25
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. (CA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The inquiries are fraudulent. The last XXXX XXXX inquiries are not mine. The FTC report is included in the first report. It just showed up again yesterday.