davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-03
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)

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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

I had XXXX. XXXX unlimited. XXXX base. XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. XXXX. They cancelled all my cards. A lowered my scores. XXXX. Had. Almost XXXX. They only put what owed. Not my. High number on credit. Lowered my. Ratio. Becouse. I disputed airline ticket they didnt help with. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Bunch. But XXXX destroyed. My numbers. I have fair. Never missed. Payment. Ever. No negatives. Ever. 4 houses. Rhode Island. Maine. XXXX XXXX XXXX XXXX. XXXX. XXXX vehicles. I got this. Fair. People lose there houses. Cars get repo. They get better scores than me. I very disappointed. I hired lawyers. And. XXXX XXXX XXXXXXXX Credit. Im upset. Alwsys pay bills on time hole life XXXX XXXX. They made XXXX out my credit. No negatives ever. Thank you
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I made a purchase for {$28.00} on a Synchrony credit card in late XX/XX/XXXX. They never sent me a bill to my address or email. On XX/XX/XXXX I received a cellphone alert that I have a {$100.00}. balance on my credit card. This was the first notice about owing them money. I called concerned my information had been compromised and someone was using my card. I contacted them and was finally notified about the charge and learned the additional {$70.00} was interest and late fees on the original purchase. I asked them when they sent me the billing for XX/XX/XXXX and or XX/XX/XXXX and they could not provide the information. So we agreed today XX/XX/XXXX on a phone call with customer service that they would waive the late fees and penalties if I would make a payment today. which I did through my bank. Now I have received an email indicating that I have a past due balance on my credit report from this incident even though it was paid as soon as I knew anything about it. So in effect this company failed to send me a bill for two months and then reported me for their failure.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

I submitted a fraud Claim to Truist bank claim number XXXX The claim is for 13 payments from my checking account with truit to an unknown recipient. Truist has denied the claim stating that these checks were authorized and that there is more than one so that means it is authorized. The issue is the following. All 13 checks were not authorized. The checks are not signed by myself or the joint account holder. The checks are electronically signed claiming previous authorization to do so. The checks have been validated that the checks are not generated by Bill Pay. The checks themselves appear to be suspicious as they come from Suntrust and the address on the Check for that Bank is no longer or perhaps never was valid. 

I have spent many hours trying to get Truist to agree that these checks are Fradulent. The checks were not approved by myself of the XXXX XXXX XXXX and the Checks are not signed or authorized to be signed by myself or the joint account holder. Truist is asking for proof I dont know what other proof to provide. I do not know who the recipient an XXXX XXXX is. The checks are small amounts. and occur as best we can tell every two months starting in XXXX of XXXX. I need help working with Truist as when you call there service number you get unresponsive people in a call center in the XXXX. The Bank if refusing to agree it is fraud and is cashing checks with no authorization and no signature from either account holder
Consumer complaint received 2024-02-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (NE)

I received a phone call that left a message saying theyre attempting to resolve a personal matter. I saved the message and I called the number that called me which was different from the number that was in the message. The gentleman said that my old bank account from XXXX years ago US Bank, I left them abruptly with owing them money around {$350.00} and now XXXX years later its run up to {$800000.00} or more and that theyve been hired to collect this money for that US Bank. I did have a US Bank account along time ago. The gentleman also had my Social Security number, my address and my phone number. He said they sent multiple letters to my address. I never received a single letter. He threatened to take me to court sees my property, but leans on my XXXX payments, which I live off of. I told him to send me a letter of verification and he said it doesnt work that way he wants to collect the money now and I said I dont do these things over the phone because theres so many scammers out there and he got angry, and started talking in an elevated voice. Dated that their name is XXXXXXXX XXXX XXXX out of XXXX, Iowa. I XXXX  XXXX XXXX XXXX in XXXX IA and there isnt one. Him having my Social Security number address bank account he didnt give me an account number it worries me but Im pretty sure its a scam and they were good. A woman called and left a message. There was electronic voice for the reply, phone numbers, and then I called and it was a gentleman, I havent given them anything. All I said was I want their verification letter in the mail and once I can prove that they are legitimate Ill get a hold of US Bank and will work it out and he hung up on me after that.
Consumer complaint received 2024-05-30
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: TRANSWORLD SYSTEMS INC (MD)

My credit report shows a collection from Transworld Systems Inc. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I request validation of the debt. Therefore, the company should have provided me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of their state license, including license number.

Transworld Systems Inc FAILED to provide several items on that list. They did NOT provide documentation that shows I agreed to pay this debt. They also did not provide the Agreement that grants them the authority to collect on this alleged debt. They also did not provide a copy of my state license, including license number. They did not send me all five items. They can not send me some of those documents without falsifying them because they do not exist. 

I have attached the one, and only document the company sent me, that does not show where I am obligated to Transworld Systems Inc in any way. I am disputing the account stated below. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to verify that this is indeed my debt. 

Account name : Transworld Systems Inc Account number : XXXX The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. I look forward to a swift and amicable resolution to this matter.
Consumer complaint received 2024-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TN)

I have an extra account under my credit from a company called MRSBPO that I've never associated with or paid. My credit score has gone down XXXX XXXX this month because of this company and many other people have said it's a scam company as well. I would just like to get this company removed from my account as soon as possible so no further damage is done to my credit.
Consumer complaint received 2024-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (OH)

I first became aware of XXXX XXXX around XXXX XXXX XXXX XXXX, likely when I returned home briefly from college. Upon leaving home, I proactively contacted the bank while en route to my college campus, diligently explaining that the charges in question were not authorized by me. I underwent a comprehensive information-sharing process during that initial call. Following that interaction, there was a prolonged period of silence from the bank until around XXXX, when my grandmother informed me about a paper sent to our house regarding the same charges. Subsequently, I wrote a detailed letter to the company, reiterating the circumstances surrounding the unauthorized charges. 

Throughout the past year, I encountered several calls from debt collection agencies inquiring about the same charges. In each instance, I consistently provided them with the same explanation. Additionally, I received another letter later in the year, prompting me to respond in writing in XXXX. Despite these efforts, there was no substantial progress until a few weeks ago when a representative finally contacted me about the debt and sent a letter by mail to facilitate resolution. It is this recent development that has prompted me to file a formal report. Please consider the timeline, actions taken, and persistent efforts made on my part to rectify this situation when communicating with the involved companies.
Consumer complaint received 2023-08-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I began the process of applying for a home equity line of credit with Chase Bank on a condo residence in a building on ( XXXX ). After completing the pre-approval process and providing all the documentation requested by the lender, I was advised that I was preliminarily approved for a line of credit and that the property met their criteria for the loan product I was applying for. The lender immediately requested that I submit {$500.00} they deemed as good faith funds in order to proceed with the loan. I paid the {$500.00} on XX/XX/XXXX and continued to provide the requested documentation and maintain on-going updates on the progress of the loan. Shortly thereafter the lender indicated other residences in the same building had previously been declined for a loan due to the building not qualifying for the loan requirements. 

I attempted to reach out to my points of contact with the bank ( XX/XX/XXXX & XX/XX/XXXX ) to seek alternative measures to either progress the loan or obtain financing using another product but was not able to get a respond back once the underwriting department deemed the property not eligible for financing. I continued to seek a response ( on XX/XX/XXXX, XX/XX/XXXX & XXXX ) on how to resolve the problems and got no response. After some time I requested they return the good faith funds as they had determined that the property did not meet the requirements and that was not disclosed until after the fees were collected. Eventually the agent agreed to request a refund but failed to actually go through with the refund.
Consumer complaint received 2023-11-07
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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, has violated my rights. 

I have already disputed these items with the bureaus but they did nit remove them, nor prove validation under Sec. 609 FCRA.

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
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

My mortgage is non-escrowed. I pay my own taxes and insurance. However, in XXXX of XXXX around the same time Mr Cooper was experiencing a data breach my homeowner insurance canceled my policy and therefore I had to shop for my own insurance. I called Mr. Cooper to let them know that I needed to purchase new insurance, and they advised me to submit documents once the insurance was purchased. I did not get my own coverage until XXXX XXXX, XXXX so there was a lapse in insurance, but was told to at I could call and request the escrow be removed as soon as the insurance I purchased was updated and proof with new policy submitted to their website online. I have been calling to request the removal of escrow account since my insurance is now updated. However, they have not refunded the negative escrow account and customer service representatives refusing to let me speak to a supervisor to try and resolve this situation. Instead, they are changing my monthly payment to a much higher payment to offset the negative escrow that they purchased insurance for between XXXX XXXX XXXX XXXXXXXX. Thats approximately 3 months of lapse in coverage. I understand their policy, but I never agreed to change the loan to require a escrow account. I pay my own taxes and insurance every year. I have never sent any late payments. I dont understand what they arent willing to work with me and remove the escrow since I did my part and purchased my own insurance per the request of this mortgage lender. I have complied with all their rules, policies, and made on time payments. I am asking for the removal of the escrow account and to be refunded the difference of the insurance from the lender purchased insurance and the policy I purchased, which proper explanation of the escrow cant be removed. Originally this loan was not setup to have an escrow account. Now, Im being told something different, with no help from the customer service in the escrow or lender insurance department. I was told by their representative the only way to remove the lender placed escrow account is to refinance this loan. They can remove it, but are choosing not to. I will seek legal counsel and also I was a victim to their recent data breach, which caused me to not be able to get homeowner insurance and was denied insurance by several major companies. I was not offered any assistance by Mr. Cooper to be able to purchase my own insurance between XX/XX/XXXX XXXX XXXX, XXXX. Most companies did not want to do dealings with Mr. Cooper being my mortgage lender. I, the customer suffered great loss from the recent data breach cyber attack and am trying to fix my credit report on my own. Mr .

Cooper is unwilling to do anything to help me or try to work something out.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (TX)

The company harass me everyday calling multiple times a day everyday after being ask to stop.Debt collectors call and are very aggressive and has been calling multiple time a day starting morning and will not stop. Debt collector call from numerous numbers and will not respond but hang up.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (PA)

I sent the follow letter XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 15 USC 6802 and 16 CFR 313.7 XXXX XXXX I am also requesting the following companies stop reporting to any consumer reporting agencies on my behalf immediately : XXXX XXXX XXXX XXXX CB Indigo XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Capital one closed my account because I was victim of fraud in my back account. And I did not informed them that I switch the bank account from where the funds will be withdraw for my credit card payment. Then capital one report that the amount owe is {$650.00}, which is not that account is paid.
Consumer complaint received 2024-01-29
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. (MD)

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. XXXX  XXXX dated XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.

I reviewed my credit profile and noticed inaccurate and/or incomplete information, and accounts. Fair Credit Reporting Act Sec 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate and incomplete.

It is also my understanding the FCRA 15 U.S.C. & 1681 every single one even each any or unproven non compliant untrue incorrect aspects of alleged derogatory accounts must be promptly deleted.

The following derogatory account allegations are either untrue, incorrect, incomplete untimely not my responsibility or otherwise not proven compliant to regulartory federal reporting laws and or standards and MUST be removed immediately.

The infraction are as follows : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX along with the XXXX  XXXX credit inquiry Also Ive notice two different dates of last activity along with two different last payment, two different dates of last payments, two different dates of opening account. Which are inaccurate information according to FCRA.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is reporting incomplete and inaccurate information on my credit report. I have attached the proof and a letter describing each piece of inaccurate and or incomplete information. Under the FCRA I have a right to know what is in my credit file and I have a right to 100 % accuracy and complete credit reporting. Equifax has not provided this information. This give cause for concern regarding identity theft issues having incorrect personal information and accounts that have not been verified. I never gave Equifax permission to put anything in my credit report. I have the right to direct whether or not I want information about a transaction to be reported. My right to privacy has been violated and I do not appreciate that. Investigations of disputed data require sources of interviews of family and friends, and CAN NOT contain factual information. These are my RIGHTS under the FCRA that Equifax has on their own website. I take my right to 100 % complete and accurate data on my report seriously. I take my rights under the FCRA seriously. Please make sure to not report any transactions on my credit report. I did not give equifax or anyone else my written permission. Under the FCRA it says " reported info can not be ONLY transactions and experiences between the consumer and a company. '' All data on my report are transactions between I the consumer and a company.