davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I am writing to lodge a complaint against LexisNexis for violations of the Fair Credit Reporting Act ( FCRA ), under 15 USC 1681b and 15 USC 1681e. LexisNexis inaccurately reported my bankruptcy information, even though they do not have permissible purpose to do so and failing to follow procedures to ensure maximum possible accuracy. 

LexisNexis has reported that I have an active bankruptcy on my credit report, claiming that the information was verified through XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). But, this reporting is both inaccurate and unlawful because of the following reasons : They Violated 15 USC 1681b Permissible Purpose : LexisNexis does not have a lawful or permissible purpose to include my bankruptcy information in their reports. The bankruptcy court already stated that they do not supply individual bankruptcy case filing data to credit reporting agencies, this includes LexisNexis ( see attached ). Without permissible purpose, LexisNexiss access to my report and reporting my bankruptcy information is a violation of federal law. Who gave any one of them permission to report this? I didn't. Why are they reporting it then? I'm not understanding. I want it removed by law.

They Violated of 15 USC 1681e Procedures for Maximum Possible Accuracy : My bankruptcy was disputed with XXXX on XX/XX/2023 ( see attached ), and they removed it on XX/XX/2023 ( see attached ). The fact that LexisNexis keeps on reporting my bankruptcy while XXXX removed it is mind boggling to me. Clearly the information is not accurate. It must be the same across the board. So, again the inaccurate information ( the bankruptcy ) needs to be removed and any accounts attached to the bankruptcy removed ASAP. This is against the law. My rights are being violated. 


Thank you
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I did not have XXXX XXXXXXXX XXXX on my personal account at all. This account does not belong to me. Account number XXXX. Im asking to be removed and deleted off my credit report it is not reporting accurate information.
Consumer complaint received 2022-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PR)

I requested a refund a month ago for all the payments I made during covid emergency and they havent processed the request. I think is ridiculous how they have taken so long when other providers process everything under 30 days.
Consumer complaint received 2023-07-22
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Double Diamond-Delaware, Inc. (NJ)

This letter is to file a formal complaint against XXXX XXXX XXXX in PA and its affiliates Double Diamond XXXX  and United Equitable Mortgage Corporation. The complaint is for their refusal to cancel the land sales purchase and its associated loan I signed on Sunday XX/XX/2023. The request for cancellation stems upon the fact I was not given a copy of the property report of the land prior I signed on the loan for the land sales contract. According to real estate sales contract, buyers have the legal right to request the cancellation of the contract sale if the property report was not provided prior to signing on the contract. 

On Friday XX/XX/2023 I emailed XXXX XXXX XXXX, the sales staff at XXXX XXXX XXXX in PA along with XXXX XXXX XXXX, the referral staff at Double Diamond XXXX in Texas and XXXX XXXX XXXX, the mortgage consultant at United Equitable Mortgage Corporation to let them know I am requesting the cancellation of the land purchase. On Saturday XX/XX/2023, I sent a letter via certified mail to XXXX XXXX XXXX. As of this writing, I have yet to receive correspondence from the mortgage company. 

The land sales contract is for the Lot XXXX, XXXX Subdivision of XXXX XXXX XXXX, XXXX XXXX of XXXX Subdivision XXXX the township of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX of Pennsylvania. Its associated loan is serviced by United Equitable Mortgage Corporation. Please kindly note despite signing page XXXX of the attached document, I was not giving a hard copy of the property report. The company is using fraudulent tactics giving buyers a XXXX XXXX with no specific, accompanying information pertaining to property report nor giving access to a computer for the buyers to read the property report. 


I look forward to the Consumer Financial Protection Bureau to assist me with a resolution to this problem.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (VA)

XXXX XXXX XXXX - transferred {$300000.00} into Marcus from my external checking account. 
XXXX XXXX XXXX - wired {$250000.00} to XXXX XXXX  account from Marcus savings XXXX XXXX XXXX - I notice in my online personal finance app that there has been a ACH Withdrawal Reversal and the money has been removed from XXXX and is back in my Marcus account.l with a hold on it. 
( There was never any email communication from Marcus that there had been a problem with the transfer or communication explaining why it had been reversed. ) XXXX XXXX XXXX  - I make my first call to Marcus to find out what happened. Each time I verify my identity through security questions, each time I am transferred to a supervisor, and each time I am told that the hold on my funds is under review. At this point I communicate that I want all the funds in my account to be transferred to my external checking account and I want to close my Marcus account. 
XX/XX/year> - I make my second daily call to find out the status of the review. Again no definitive answer but am told within 1-3 days the wire to my external account with all {$300000.00} XX/XX/scrub>XXXX XXXX XXXX  - I call again to check on status and the 1-3 day timeline is still in play leading me to believe that my funds would be transferred by Friday, XXXX XXXX. 
XX/XX/year> - making my daily phone call to check on status I learn that there are some holds on my money. They are under review by the review team and no, they can not transfer me to the review team. The XXXX XXXX tells me she has removed the holds and the transfer should happen XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX  - I watch my account all day to see if the funds have been wired from Marcus and at XXXX EST I call Marcus again. I ask for a supervisor, she says she will look into it and mentions that she sees a XX/XX/year> transfer date. I am incredulous and ask for her supervisor. We are on the phone for another XXXX minutes and she is not able to make any progress other than saying I will receive communication when the holds on my account are lifted. ( Which Id been told were lifted on XX/XX/year>. )
Consumer complaint received 2024-08-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (TX)

Originally I owed Regional Acceptance Corporation for {$13000.00} fora loan they gave me in XXXX. I did go delinquent in XXXX and eventually my account was sent to collections with XXXX XXXX. I contacted them in XX/XX/XXXX, when I was offered a settlement of {$3200.00}. As I was in the process of purchasing a home, the mortgage company required that I settle the account. The money was provided to my mortgage company who paid the balance and cleared the debt. I followed up with XXXX XXXX on several occasions from XXXX XXXX and have spoken to several agents from XXXX. Their names are XXXX XXXX, XXXX XXXX, XXXX XXXX, and a supposed manger named XXXX, who assured me the account was settled and that they would send me a letter to prove I paid the amount to provide the original creditor and the credit bureaus, but that never happened.
Consumer complaint received 2024-08-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC (NC)

On XX/XX/XXXX, we signed a home improvement installment contract with a local fencing company. This was a " same as cash '' contract for {$9700.00} financed through Mariner Finance LLC -- if we paid an amount equal to the amount financed within 360 days after the work was completed, all finance charges were supposed to be waived. The work was completed in early XXXX, and we signed the completion certificate on XX/XX/XXXX. We made monthly payments of approximately $ XXXXmonth from XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX, we paid the remaining principal balance of approximately {$8000.00}, which should have brought our total to {$0.00}. We determined that this was the final amount due after speaking with the manager of Mariner Finance 's XXXX, VA, branch. All payments were made within 10 days of the due date, so we never defaulted on the loan, as per the contract and a conversation with a XXXX staff member after opening the loan. 

Initially, the final payment removed our account from our dashboard on the Mariner Finance page. However, when monitoring our credit in XX/XX/XXXX, we noticed a balance of approximately {$1500.00}, with a due date of XX/XX/XXXX, and the account was reverted to active status. This balance due is still showing up on our credit reports, and Mariner has not helped resolve the issue, saying the issue is with the local fencing company, with which our account is fully reconciled.
Consumer complaint received 2024-09-24
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. (MS)

I am contacting you regarding a dispute under Section 605B of the Fair Credit Reporting Act. I am a victim of identity theft, and I have filed a report with law enforcement. I request that you block all information on my credit report that is a result of this identity theft. Attached is my identity theft report and any relevant documentation. I appreciate your prompt attention to this matter. '' PLEASE READ THE ATTACHED FTC REPORT IN DETAIL
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this Affidavit to report 5 fraudulent account ( s ) appearing on my consumer FICO XXXX report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX  on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-07-09
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: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I do not recall taking out this loan and agreeing to these terms as listed on my credit report. I have disputed this multiple times and not only do the credit reporting agencies not appear to fully investigate, XXXX XXXX EVERY MONTH refreshes my date as if it's a new collection, thus negatively impacting my credit score. I have asked for properly validation of this debt and have not received any copies of signed contracts or agreements. I have only received screen print outs that do not provide validation that the debt belongs to me. I have attempted to resolve amicably so my mortgage would not have been denied and they refused. Every month, even when I have not actively disputed the account, XXXX XXXX FALSLY places an in dispute comment on my report which again caused my great difficulty and affeted me negatively in trying to obtain a mortgage. The last attempt at validation on or about XX/XX/19 that I tried and specifically asked for signed contracts or agreements, I was told they had it and would send, however I again received screen print outs which do not properly validate my debt.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (KY)

Circa 2008 I closed my USBank checking account after repeatedly having issues with transaction stacking and direct deposit delays. I filled out a customer request to close account, left enough money on hold in account for a small transaction that had not processed yet and was told the copier at the bank was not working so I couldnt get copy of the document. I thought that was the end of it. 
Several years later, after the bank was federally sued over stacking, I received contact from a company claiming USBank had filed suit against me over a account closing fee, claiming I abandoned the account so the bank charged some fee in my name. 
I believe it was Alliance Processing who had sent me a letter with a phone number to reply, I explained the situation and was told the bank needed to provide me with info, and when I tried getting it, the bank claimed they had no records of me ever being a customer, so there was no documentation to find I contacted Alliance with this fact and demanded copies of what USBank provided them, which they did not do. 
I was told the case was closed and my explanation was sufficient. 
Today, over 10 years later, I received calls from Alliance again making the same claim from USBank and alleged breach of contract and something else I missed hearing. Now they were demanding over {$2000.00}, and threatening me with court action on what was originally a situation where I owed nothing. 
The phone number they called from is XXXX and I spoke with XXXX who put me on hold until the line disconnected and XXXX who told me a case number of XXXX. 
Im XXXX and going thru the loss of my husband and forced property sale for his estate. I dont need these people harassing me in retaliation for closing my account over a decade ago.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (PR)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I received a mortgage modification with XXXX a few years back that was affordable to us with a PITI payment of {$1600.00}. It was sold to Nationstar late last year and it was a seemless transitgion Went online last night to make XX/XX/XXXX payment and the screen said the payment due was {$2300.00}!!! When I called they said that there was a negative escrow balance when XXXX sold it to them, which is not possible, as I hired an attorney to do the modification and everything was in order. I spoke with manager XXXX XXXX with Nationstar and he promised he would get back to me this morning after he did his research. He also told me he would email me the results. No phone call and no email. We ca n't afford this new payment and this reeks of fraud on the highest level. I have left a message for my attorney so hopefully this will get straightened out, but what I read online and all the complaints against this company leads me to believe that they are only in this to make money off unsuspecting consumers. I am also a XXXX so I think I know what fraud is when I see it.
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TN)

I formally demanded the purchase agreement for an alleged debt that Midland Credit ManagementXX/XX/XXXX has threatened to sue me for. The item in question pertains to an alleged debt ( account # XXXX ) that XX/XX/XXXXclaims to have the right to collect on. However, despite my repeated requests, the last being XX/XX/2024 via the cfpb portal, XXXX has failed to provide the necessary documentation, specifically the purchase agreement used to buy this debt that would substantiate their claim.
Consumer complaint received 2024-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (IN)

In or around XXXX  2024 I sent a formal dispute to Wakefield & Associates for an amount of {$1200.00}, requesting that they verify the debt according the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) that is competent evidence bearing my signature, showing that I have, or ever had some contractual obligation to pay them the alleged amount. Wakefield & Associates have failed to respond to any request and have failed to verify or show any proof of any contract I have or had with them, violating Federal Law. They have made a negative mark on my credit report ( s ) for a debt I do not owe, further violating the FDCPA and the FCRA. I sent a second letter in or around XXXX  2024 further informing Wakefield & Associates they have violated state and federal laws by not responding in a timely manner to validate the debt, further violating FDCPA and FCRA. Attached are receipts that verify Wakefield & Associates signed for my letter on XXXX XXXX, 2024 and XXXX XXXX, 2024. They have failed to provide documentation to validate this alleged debt and have violated state and federal laws. Wakefield & Associates have violated both FCRA and FDCPA. The attached documents are receipts and letters of dispute sent to Wakefield & Associates.