davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

I saw on my credit report that a charge from Usaa was showing as a charge off on my account. I did not open this fraudulent account with Usaa. Ive reached out to them several times and was informed they can not assist with this inaccurate fraudulent information showing and they apologize. This has been on reporting fraudulently since 2017 and I have been going back and forth with Usaa and the credit bureau to get this handled. A police report was filed for this identity theft
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I submitted a letter to XXXX and TransUnion on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 

XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXXXXXX Balance : {$2800.00}
Consumer complaint received 2024-05-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX different names as XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also they havein different collections agencies XXXX  that l don't owe request same exact money info the original documents printed l summit information l don't owe these companies has effect my credit scores l have l provide driver license XXXX XXXX XXXX XXXX. On the XXXX corps XXXX XXXX has ( XXXX XXXX XXXX XXXX ) isn't no name shown on the ordinal bill documents XXXX to other collections now to companies called XXXX XXXX
Consumer complaint received 2024-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (VA)

1 ) Selene perjured itself in its previous response. It had not and has not been sending correspondence ( including monthly statements ) to our lawyer. Selene only sent three pieces of correspondence after we posted our complaint with CFPB on XX/XX/24. That correspondence included only the same XXXX items that we received : the updated escrow analysis we requested, and XXXX erroneous statements that both indicated that we are behind on our mortgage by XXXX payment ( See Attached XXXX XX/XX/XXXX for XX/XX/XXXX bill ). We are still not receiving monthly statements ; this is a violation of federal law. We would like Selene to send our monthly statements directly to our residence XXXX ) We overpaid our mortgage payments for the first XXXX months of the year by {$110.00} because Selene failed to inform us of the new lower payment that took effect at the beginning of the year. We would like to know how Selene applied those additional funds ; we would, of course, like those funds to be applied to our principal balance. 

3 ) Selene has not responded to our qualified written request for information about our account. We sent this request via certified mail ( see attached Letter to SeleneXXXX XXXX ) on XX/XX/XXXX to Selenes recommended address for customer service inquiries ; however, Selene did not sign for the letter until XX/XX/XXXX. Furthermore, Selene has not sent a response to this qualified written request. At this point, we have been waiting for answers to our questions for more than 90 days, which is a violation of federal law. The principal purpose of this letter was to request a complete list of all fees and additional charges ( aside from interest ) that have been charged to our account since Selene started servicing our loan ( including an explanation for every fee and additional charge ). We request that Selene send us this requested information about our account. 

4 ) The most recent statement that we received from Selene indicates that they have lost or misapplied XXXX of our mortgage payments. Although we included this same information in our CFPB complaint of XX/XX/24, Selene has failed to resolve this issue as far as we are aware. The result is added confusion about charges, payments, etc. Selenes long history of this behavior makes it appear that it is intentionally causing confusion to its customers in an attempt to collect extra fees or force its customers into delinquency. 

XXXX ) If you are the Selene employee reading this letter, you can anonymously report any suspected criminal activity by Selene at XXXX or you may contact the office of the Attorney General of the XXXX of Virginia at ( XXXX ) XXXX.
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (NY)

I asked Experian to investigate the XXXX account with XXXX XXXX and provide a copy of a contract that I agreed to do business personally with them but they have failed XXXX to provide such information. 
They have not responded provided any details of their investigation and they just update the credit information. 
This is causing me tremendous harm as I am not able to get a XXXX loan which is much needed at this time.
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Carrington Mortgage Service, LLC notified us of a surplus in our escrow and sent us a {$7000.00} check. In the same letter they notified us that our payment was going up by $ XXXX - roughly {$2200.00} over 12-months. 

I call spoke to a customer service rep and ask if I could send back {$2200.00} of the surplus to keep my payment the same. ( Note, I own a number of properties and do this with all escrow increases. Also, my wife is a former bank examiner for the Federal Reserve ). The customer service rep confirmed the amount I should send in and gave the Escrow dept address. 

A check was mailed in for {$2200.00}. Today I receive the check back stating " Escrow surplus ''. And another letter saying my payment was still increasing. Called Carrington again and spoke with two representatives who said there system would not allow a payment and I had to pay the month increase even though I have a surplus.?

From my understanding, RESPA does not explicitly provide a right to pay off an increase in escrow to maintain the same monthly payment, but mortgage servicers often allow such payments as a customer service practice. How do I go about keeping my payment the same? Regards.
Consumer complaint received 2023-12-29
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C (OH)

On XX/XX/XXXX, Stenger & Stenger P.C. sent me a XXXX XXXX ( they wrote it on XX/XX/XXXX ) to collect an alleged debt on behalf of XXXXXXXX XXXX XXXXXXXX I responded with a request for them to validate the alleged debt. I sent this letter to Stenger & Stenger P.C. on XX/XX/XXXX via XXXX XXXX XXXX Mail ( XXXX. No. : XXXX ), Return Receipt Requested ( XXXX XXXX. : XXXX ). The Return Receipt shows that XXXX XXXX signed and accepted the letter I sent on XX/XX/XXXX. Instead of validating the debt, Stenger & Stenger P.C. filed a lawsuit against me on behalf of XXXX in the XXXX XXXXXXXX XXXX  XXXX XXXX Court, Case No. : XXXX  XXXX on XX/XX/XXXX. The suit alleges that I owe a debt to XXXX, and also claims Unjust XXXX. 

In XXXX, the XXXX Supreme Court already ruled decades ago that claims for Unjust XXXX are unavailable when an express contract covers the same subject matter. see, XXXX v. XXXX, XXXX XXXX XXXX ( XXXX ). The XXXX Supreme Court also already established that " Credit Card agreements are contract thereby whereby the issuance and use of a credit card creates a legally binding agreement. '' see, XXXX v. XXXX XXXX XXXX XXXX et al, XXXX XXXX XXXX, XXXX ( XXXX ). In XXXX, the XXXX XXXX Cir. XXXX XXXX XXXX held that " ... bringing a claim against a party under circumstances where the state supreme court has explicitly held the party can not be held liable is a violation of the FDCPA. '' see, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

XXXX XXXX XXXX XXXX  is a law firm whose main business is the collection of debts and are based out of XXXX ( within the XXXX Cir. ), and they have an office located in XXXX They have constructive and actual knowledge of XXXX and XXXX Cir. Jurisprudence and have engaged in this conduct anyway. I submitted a Motion to Dismiss to the XXXX and Stenger & Stenger XXXX, and I also recently sent Stenger & Stenger P.C. an Agreed XXXX Decision for them to sign and send back to me through email.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am reaching out to inform you that my credit report includes an entry from your agency, specifically regarding accounts with no monthly historical data. According to the compliance protocol outlined in 15 U.S. Code 1681i, it is required to promptly remove these entries.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Account name XXXX XXXX XXXX account has been reporting as late payments since XXXX of 2023 i have been reporting and disputing these late payments to be removed from my credit file. They have not been removed. No reason in which account is reporting late when its auto pay out my checking out. When spoken to rep at XXXX i was told my payment changed to a differemt amount without my knowledge. This is problem which has caused me financial issues with my credit which been reportin like for over XXXX, Now account isn't reporting correct on file
Consumer complaint received 2024-07-22
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 (VA)

a random debit of {$640.00} was taken from my account by XXXX XXXX on XX/XX/year>. 

this transaction was not authorized by me its a fraudulent transaction. 


the other transaction where I did authorize a purchase from XXXX XXXX for XXXX on XX/XX/year> for a gaming console that never arrived in the mail. 

XXXX XXXX was uncooperative in helping me with that stolen package Ultimately I had to dispute those charges with Truist and they also where not helpful im am out of {$1100.00} this is ridiculous its about to be 3 months since I initially filed these disputes
Consumer complaint received 2023-12-29
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)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2023-07-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

on the date of XX/XX/23 i sent a letter to equifax to request the method of verification that the used to verify this account ; XXXX XXXX XXXX Balance {$970.00} Act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX | ( XXXX ) XXXX It has been over 30 days and the have responded to my resquest. Please delete this account since they did not honored my request within the time allowed by the law.
Consumer complaint received 2023-08-22
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. (CA)

Violation of my rights. 
XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX. 

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 an 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 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

COMPANY REFUSED TO SENT ME ANY CONTRACT MY MAIL THEY ONLY CALL ME MANY MANY TIME. I BEEN DISPUTING THIS ACOUNT FOR OVER 90 DAYS THEY ARE NOT ANSWER TO ME AND KEPT THE NEGATIVE ACCOUNT IN MY CREDIT FILE.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$240.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am writing to express my deep dissatisfaction with the handling of a fraudulent charge on my Capital One credit card account. I have been a loyal Capital One customer for many years and have always maintained my account responsibly. 

Recently, I discovered a fraudulent charge of {$500.00} on my credit card. I promptly reported this unauthorized transaction, and Capital One provided a provisional credit for the amount. However, to my dismay, this provisional credit was subsequently revoked without adequate explanation. 

Adding to my frustration, I have been in contact with the merchant associated with the charge, and they have confirmed that they are on my side, recognizing the charge as fraudulent. Despite this support from the merchant, Capital One has failed to permanently credit my account for the disputed amount. 

I find it unacceptable that Capital One is the only issuer among my credit card providers that has given me issues with resolving fraudulent charges. This experience has caused me considerable inconvenience and distress, and it is not reflective of the level of service I expect from a reputable financial institution. 

Thank you for your attention to this matter. I look forward to a swift and favorable resolution.
Consumer complaint received 2023-05-19
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. (CA)

Upon reviewing my credit report, I observed inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and its presence is significantly impacting my life. I kindly request your assistance in addressing this matter.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Creditor Name : Bank of America Account Number : N/A I have discovered that Bank of America has incorrectly reported this account as a charge-off. This information is inaccurate and does not reflect the true status of the account. Furthermore, this item had previously been deleted from my credit report, yet it has been reinserted without proper notification as required by law.

According to 15 U.S. Code 1681e, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The failure to do so in this case is a violation of the Fair Credit Reporting Act ( FCRA ). Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), if a disputed item is reinserted into a consumer 's credit file, the consumer reporting agency must notify the consumer within 5 business days of the reinsertion. I did not receive such notification, which further violates my rights under the FCRA. 

I request that you promptly conduct a thorough investigation into the reporting of the payment status of this account and take immediate and decisive action to rectify these inaccuracies and ensure that the incorrect charge-off status is removed from my credit report. A fair resolution to this matter would entail marking the account as " Paid as Agreed '' or " OK '' to accurately reflect the true payment status.
Consumer complaint received 2024-08-08
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. (VA)

I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

15 U.S.. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than four business days after the date of receipt. It has been 30 days and this company is in violation of this law because I'm a victim of identity theft. Please delete these items as soon as possible : 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 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
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2018-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

ONXX/XX/XXXX, DIVERSIFIED CONSULTANT INC RESPONDED TO YOUR DEPT ( CFPB. ) ON CASE # XXXX THAT THEY SENT A DELETION ORDER TO THE CREDIT REPORTING AGENCYS, THERE LETTER WAS DATED XX/XX/XXXX TO YOUR DEPT. 
AS OF XX/XX/XXXX XXXX IS STILL REPORTING THIS COLLECTION WHICH IS DAMAGING MY CREDIT. I ASK THE CONSUMER FINANCIAL PROTECTION BUREAU TO HAVE XXXX XXXX XXXX,  TO IMMEIDIATLY REMOVE THIS COLLECTION AS THERE LETTER OF XX/XX/XXXX TO YOUR DEPARTMENT STATED. 
I REQUEST THAT DIVERSIFIED CONSULTANT INC,  PROVIDE A COPY OF THE DELETION LETTER THEY STATE WAS SENT TO THE CREDIT REPORTING AGENCYS TO ME FOR RECORD FILLING. 

THE REFFERENCE ACCOUNT THAT NEEDS TO BE DELETED IS XXXX XXXX XXXX. BALANCE {$3700.00}. 

THANK YOU