davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
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)

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Consumer complaint received 2024-06-07
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 2023-05-17
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ). 15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose. Remove this late payments and update the accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm always on time with my bills, that's a certainty. I'm not sure why this company says that in the last few months, I haven't been paying my bills. In accordance with USC 1666b, any mistake in the payment of a bill should be corrected and recorded as paid on schedule.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX, I transferred XXXX other credit card balances to Bank of America for a total of {$8300.00} because they offered 0 % interest until XX/XX/XXXX. Four days later, on XXXX XXXX XXXX Bank of America somehow used an auto-pay feature that they themselves set up, to auto-draft all {$8300.00} from my checking account. I had just payed 3 % transfer fees to transfer these balances to Bank of America until XX/XX/XXXX, and also, I do not have {$8300.00} in my checking account. I did not authorize Bank of America to do this. ( Even I set up auto-pay, which I didnt, it couldnt be used to pay a balance that was posted 4 days before the auto-pay. That should be on the next months statement/auto-pay ( ie, XX/XX/XXXX, whereby I would have time to contact Bank of America to set it to auto-pay just the minimum balance or a set amount until XX/XX/XXXX. Fyi, end-users like me can not set up auto-pay on the app or online. Bank of America employees must do it themselves via phone, and this is where I believe the problem lies. )
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

1. I refinanced my old loan issued by Nationstar with a new loan from XXXX XXXX NA. The settlement of refinancing was done on XXXX XXXX, 2015 with a settlement company named XXXX XXXX XXXX XXXX ( " XXXX '' ). 

2. The new loan was issued by XXXX XXXX on XXXX XXXX, 2015 ( see Exhibit1 ). 

3. On XXXX XXXX, 2015, XXXX XXXX ( apparently using XXXX XXXX XXXX ' account ) wire transferred {$240000.00} through the XXXX XXXX ( which is XXXX ) to XXXX XXXX XXXX ( which is Nationstar 's bank ) as instructed in the payoff quotation issued by Nationstar on XXXX XXXX, 2015 ( see Exhibit 2 ). 

4. On XXXX XXXX, 2015, XXXX XXXX received a request for information from XXXX XXXX demanding information about me ( date of birth, place of birth, and so forth ) ( see Exhibit 2 ). On the same date, XXXX XXXX sent the requested information about me to XXXX XXXX Bank by email ( see Exhibit 2 and for the attachment to the email, see Exhibit 3 ). 

5. On XXXX XXXX, 2015, XXXX XXXX XXXX released the funds to Nationstar ( see Exhibit XXXX ). And on the same date, XXXX XXXX demanded Nationstar to pay off the old loan as of XXXX XXXX, 2015 since it was the date on which Nationstar 's bank received the payoff amount ( see Exhibit2 ). 

6. On XXXX XXXX, 2015, Nationstar told me that the wired fund was short of {$170.00} to pay off the old loan, and the loan was still pending and would keep accruing interest of {$39.00} a day ( see Exhibit 4 ). Nationstar explained to me that it did not apply the funds to pay off the old loan because the old pay-off quote was valid only until XXXX XXXX, 2015 ( see the Payoff Quote in Exhibit 2 ). 

7. On XXXX XXXX, 2015, Nationstar called me again and demanded additional interest amount of {$470.00} to pay off the old loan ( see Exhibit XXXX ). XXXX XXXX wire transferred the shortage amount to Nationstar 's bank ( XXXX XXXX XXXX ) ( see Exhibit 7 ) on the condition that I reimburse XXXX XXXX 's additional cost ( see Exhibit 6 ). On the same date, I sent out a check of {$470.00} to XXXX XXXX ( see Exhibit 8 ).
Consumer complaint received 2021-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

I refinanced from XX/XX/XXXX to XXXX in XX/XX/XXXX. I was told my next payment would be due in XX/XX/XXXX. 

In XXXX I received a letter from XXXX indicating my mortgage had been transferred to Mr. Cooper and that I would hear from them. The XXXX website indicated to pay the XXXX payment, which I did. 

In XXXX I spoke to XX/XX/XXXXand they advised I make the XXXX payment to Mr. Cooper after they contacted me, and that no late fees or penalties could be charged for up to 60 days after the last payment made. 

On XX/XX/XXXX I received my first communication from Mr. Cooper stating the payment was due XX/XX/XXXX, and that no penalty would be due if received by XX/XX/XXXX. Since both those dates had already passed, I used the secure messaging system in my online Mr. Cooper account to inquire/confirm I would not be charged fees/penalties for this payment. I received an immediate automated response that someone would be in touch with me. 

I made my XXXX payment as normal, on time. 

As of today, XX/XX/XXXX, I have received no further response in any form. They have not answered my question about avoiding late fees or penalties. They have completely ghosted me. 

I am going to make the XXXX payment but am frustrated that I am at risk for penalties and fees through no fault of my own, and have been unsuccessful in receiving any assistance whatsoever from the company. It is not just that I am forced to do business with a company that provides zero service. I should have the right to refuse to do business with them and to have my loan transferred elsewhere.
Consumer complaint received 2024-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

On XX/XX/XXXX I submitted an application for consolidation through XXXX. All of my student loans are direct federal loans and I have been working toward public service forgiveness for XXXX years now. My consolidation was processed and MOHELA, who has been my servicer since XXXX stopped, switched their platforms. My newly consolidated loans were there correctly but I was on the standard repayment plan, even though I requested to be on SAVE as a part of the consolidation ( I was on SAVE prior to the consolidation as well ). On XX/XX/XXXX I submitted a message to MOHELA asking if my application was in process. They responded asking me to call them, and after holding for an extremely long time I was told to resubmit my application for XXXX and MOHELA would choose which XXXX plan Id be on. I resubmitted my application for IDR XX/XX/XXXX and its still listed as in review, just like the first application.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I had water damage to my property and the insurance company sent me a check for repairs which had to be endorsed by Nationstar and myself. I mailed the check to them immediately and did not receive it back until almost 2 weeks later. they claimed the check was mailed on XX/XX/XXXX when the envelope states XX/XX/XXXX. then they stated in a letter to me ( see all attachments ) that if I did not return the certification document and copy of insurance adjuster 's report within 15 days they would put all additional funds into a restricted escrow account when I do n't even have an escrow account with them. Both documents were faxed to them twice and when I called they claimed they did not receive them. I have a receipt from the fax that they were received by Nationstar.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MI)

I did not authorized credit application from Chase Bank this is the second fraud that I have received a hard inquiry again with this company and they stated it will take 90 days to remedy. The first breach is on XX/XX/XXXX and the second is on XX/XX/XXXX. I'm told by chase fraud this is a chase freedom account.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-07-19
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 — Investigation took more than 30 days
Company: Southwest Credit Systems, L.P. (TX)

Southwest Credit XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/2023 Re : Account Number XXXX To Whom It May Concern, I am writing this in response to your recent correspondence related to account number XXXX. I accept no responsibility for ownership of this debt ; however, XXXX willing to compromise. I can offer a settlement amount in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt in full ( once you receive the agreed-upon amount ). 

You agree to not list this debt as a paid collection or settled account. 

You agree to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ) that you have reported to and validated this account. 

I am willing to pay {$350.00} as settlement for this debt in exchange for your agreement to the above terms within fifteen calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. 

Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay {$350.00} in a cashiers check/money order. 

If I do not receive your response to this offer within fifteen calendar days, I will rescind this offer and it will no longer be valid. 
I look forward to resolving this matter quickly. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-07
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. (WA)

I am requesting proof of the previous investigation. Please send me your method of investigation, along with all records of who you spoke with, their business address, name, and phone number, as well as documentation that proves this account was late. If you can not provide me with this information in 15 days, please update the account to PAID/NEVER late and send me a copy of my updated credit report.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NY)

Hello, so I have made my mortgage payment on XX/XX/XXXX I sent them a check through USPS and I sent them proof that I sent the check. I sent them a copy of the check and the USPS dated stamp confirming that they have received the mail on XX/XX/XXXX. Somehow Mr Cooper claims that they have received my check until XXXX, which either it got lost in the mail or someone misplaced my check in the company and forgot to deposit it.. because I mailed this out XX/XX/XXXX with proof, When I saw in XXXX that it did not post in my account I immediately made two online payments for XXXX to be on the safe side... Seeing that they don't receive my checks.. 

I sent them in proof with everything and they have not done anything all they say is that I made payment on XXXX even though they have received my checks and confirmed they have received it and they have confirmed they have seen the dates and the USPS confirmation for XX/XX/XXXX but they still have failed to remove that from my credit report and update the credit bureau companies that I'm up to date with payments and I was never late.
Consumer complaint received 2024-06-07
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX -XXXX/2024 :
Consumer complaint received 2015-05-01
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (IN)

I am XXXX XXXX XXXX writing this complaint. I am a resident of XXXX, CA and have my residence at XXXX XXXX, XXXX, CA XXXX. I had purchased this property from a company called XXXX XXXX XXXX in XXXX. This company got closed and was shut down due to Bankrutpcy. Later, various banks such as XXXX XXXX XXXX, XXXX Bank, XXXX XXXX and The XXXX started sending me letters on the property claiming Illegal and Fraudulent Ownership on my home in XXXX, CA. In the year XXXX, my then attorney, sent legal notices to these various banks and also filed complaint with The California XXXX Department XXXX XXXX XXXX and The XXXX Office XXXX Controller of Currencies and filed serious complaints against these banks. Recently, on or about XXXX XXXX, XXXX, The XXXX Mortgage XXXX and XXXX XXXX XXXX illegally and fraudulently claimed ownership on my home and they allegedly sold my property through illegal auction sale and sent some people of their own in my home criminally trespassing my home, and taking unlawfull possession of my home, all my personal belongings and other property. I never had any Truth in Lending Agreement signed between myself, or my exwife XXXX XXXX and between any of these banks, and/or specifically with The XXXX Mortgage XXXX and XXXX XXXX XXXX. I believe that The XXXX Mortgage XXXX and XXXX XXXX XXXX is barred by the State and Federal Statutes to enter into another TILA with me and/or with my ex wife, XXXX XXXX. The XXXX Mortgage XXXX and XXXX XXXX XXXX were previously on Notice throuth The California XXXX Department XXXX XXXX XXXX and the XXXX Office of Controller XXXX Currencies on this matter. The XXXX Mortgage XXXX and XXXX XXXX XXXX have unlawfully entered into my home, occupied it unlawfully as Constructive Trust and as Adverse Possession without the Color of Title and without the Color of Law and Authority. Criminal charges must be filed against the officials of the XXXX Mortgage XXXX and XXXX XXXX XXXX immediately. I am gravely hurt and I need justice. This complaint is an Administrative Lawsuit against The XXXX Mortgage XXXX and XXXX XXXX XXXX. I seek the assistance of the XXXX Consumer Finanical Protection Bureau in this matter at the earliest. Respectfully Submitted, XXXX XXXX.
Consumer complaint received 2024-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX  XXXX {$2100.00} XXXX XXXXXXXX {$1300.00} XXXX XXXXXXXX {$1100.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$660.00} XXXX  XXXX {$540.00} XXXX XXXXXXXX {$140.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX XXXX XXXX XXXX {$0.00} INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
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. (IL)

I am from XXXX, IL. I am currently in the XXXX XXXX. I received an email that there is a hard inquiry from XXXX XXXX, made on XX/XX/year>, on my TransUnion credit report. I have not applied for any credit cards while here in the XXXX XXXX I want this hard inquiry pulled. I want a fraud alert placed on my report. I do not want any credit card issued in my name.
Consumer complaint received 2024-06-07
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. (MN)

Transunion is illegally reporting wrong birthdate information on my credit report even after filing a compliant with your company. 

They are also in direct violation of 15 USC 1692 c ( c ) XXXX XXXX XXXX XXXX They have put information on my credit report without my consent or proper investigation direct violation : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

They have repeatedly ignored my request and sent stall letters. This is for tracking purposes for my attorney as I have everything I need to proceed with their incompetence.