davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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)

Violation of Federally Protected Consumer Rights Dear To Whom it May Concern, I am writing to formally address a serious issue regarding violating my federally protected consumer rights to privacy and confidentiality, as outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The following accounts have infringed upon these rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$550.00} These violations pertain to several specific sections of the Fair Credit Reporting Act : 15 U.S.C. 1681 Section 602 ( a ) : This section affirms my right to privacy.

12 U.S.C. 1681 Section 604 ( a ), Section 2 : It states that a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits any consumer reporting agency from including any adverse information in a report that is more than seven years old, except records of conviction of crimes.

15 U.S.C. 1681s-2 : This section states that no person shall 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.

The aforementioned accounts have contravened these provisions, thereby violating my rights under federal law. I request immediate action to rectify these issues and ensure that my consumer rights are upheld.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (CO)

On XXXX XXXXXXXX XXXX I spoke to M & T Bank regarding my lapse in insurance coverage that I was not aware of. After an explanation from the Specialist they explained I had not had insurance since XXXXXXXX after insurance was not paid by the mortgage company. The specialist advised me to get insurance ASAP. 
On XX/XX/XXXX XXXX M & t bank sent me a letter stating that it was my second notice stating that insurance had expired and I needed to provide my insurance or they would purchase an insurance for me. 
On XX/XX/XXXXXXXX XXXX I received the final notice that stated they had purchased an insurance for me XX/XX/XXXXXXXX for {$1700.00} and that I could cancel that insurance after I purchased my own insurance. 
On XX/XX/XXXX I purchased my insurance from XXXX and sent them the paperwork thinking I would be getting a refund of {$1700.00} that was charged to my escrow account. 
On XX/XX/XXXX I called M & T Bank asking about the correction that needed to be made and they stated that the {$1700.00} that was charged was not from XX/XX/XXXXXXXX going forward but was charged from XX/XX/XXXX2XXXX until XXXXXXXX. I explained that I was not notified that I did not have insurance until the XX/XX/XXXXXXXX phone call I had and should not be charged for a previous time frame since I had just been notified by phone call in XX/XX/XXXXXXXX XXXX and I had only received letter in XXXX and XX/XX/XXXXXXXX about insurance lapse. I explained I would have no ability to buy another insurance policy that could be backdated from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX since I was not notified by bank until XXXXXXXX XXXX 
Specialist agreed that I would be unable to purchase my own backdated insurance but the they are able to do that and I would have no choice. 
I explained I was never given any notice to be able to purchase insurance in XXXX as neither was aware of the lapse in coverage. they explained that it was not their fault and by law they had the ability to charge me anything they could as I could not get any other insurance. 
I then cited 1024.37 Force-placed insurance were is states that Before a servicer assesses on a borrower any premium charge or fee related to force-placed insurance, the servicer must : ( i ) Deliver to a borrower or place in the mail a written notice containing the information required by paragraph ( c ) ( 2 ) of this section at least 45 days before a servicer assesses on a borrower such charge or fee ; I explained I did not receive the final notice until XXXXXXXX  and at that point I could not purchase any back dated insurance but they refused to help me stating that they can legally purchase any insurance they need. 
This is theft. the mortgage company has stolen {$1700.00} from me.M & T Bank purchased an insurance policy on XXXX for XXXX to XXXX with out written notification allowing me any options. that should be illegal.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XXXX XXXX XXXX  I was mailed a letter from capital one bank and it had a credit card issued with my name and had an account number of a card I never applied for. I have never used capital one bank previously or have ever applied to this account, I have no idea how someone could use my information to start up this account. I called capital one fraud number and explained the situation that it was not me who applied and that it is fraud and they were able to close the account and said that a follow up letter will be delivered in 60 to 90 business days.
Consumer complaint received 2024-08-10
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: Experian Information Solutions Inc. (FL)

I just recently looked at my credit report XX/XX/year> I saw some hard inquiries that did not have permissible purpose. I also attached evidence 1. [ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-06-03
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. (NE)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc. (NM)

XXXX XXXX XXXX in XXXX XXXX new mexico XXXX XXXX XXXXXXXX XXXX XXXXe nm, XXXX sent my mother to collections without prior notification that she owed any money. She was paid up before she left this facility. She provided 30 day written notice to leave. This facility never sent any correspondence to settle anything owed and then suddenly sent my mother to Collections ( after 12 months she since she had left. ) with Southwest Recovery Services XXXX XXXX XXXX, XXXX XXXX, tx XXXX XXXX She had advanced XXXX and as her POA I had to sign for her so the debt collector placed me as a co-sginger. Now they have placed a negative entry into my credit report for a debt not owed. They claim my mother owes XXXX incorrect and unethical.
Consumer complaint received 2024-08-01
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: Experian Information Solutions Inc. (PA)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX } This inquiry has no permissible purpose to be on my credit report. delete this inquiry due violation of 15 U.S.C 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX } This inquiry has no permissible purpose to be on my credit report. delete this inquiry due violation of 15 U.S.C 1681b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX } This inquiry has no permissible purpose to be on my credit report. delete this inquiry due violation of 15 U.S.C 1681b.
Consumer complaint received 2023-11-03
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. (MI)

I XXXX XXXX, consumer and natural person who is a victim of identity theft. XXXX, XXXX, and Equifax had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, XXXX, and Equifax has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.
Consumer complaint received 2023-12-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (GA)

I reached out to Cardinal Financial Company on XX/XX/2023 on reducing our mortgage to below 6 % interest under the Servicemember Civil Relief Act due to an upcoming XXXX. The service desk asked me to submit information to XXXX and that they would get back to me. I did so and did not receive a reply. 

I reached out again on XX/XX/2023 and contacted Cardinal Financial. they informed me that they DO NOT have to comply with SCRA standards due to them operating in the state of Georgia. They asked that I wait to receive a letter from them about my application. 

On XX/XX/2023 I received a letter from XXXX XXXX dated XX/XX/2023 from the research department with the original request that I submit information to XXXX. 

I then attempted to contact the research department with the phone number detailed in the letter but the line was dead.
Consumer complaint received 2024-08-01
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. (PA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PR)

Equifax reincerted a account that was removed due to a dispute XX/XX/2021. 

Today I recieved a letter from equifax that they reincerted the same account they had verified and removed XX/XX/2021. 

They stated they reincerted the account t XX/XX/2021. 

Today is XX/XX/XXXX XXXX, I never recieved any information stating g what they were doing to my credit file. 

I would like for equifax to once again remove the creditor that was removed XX/XX/2021 completely from my file once again. They should never reinsert this file ever again.
Consumer complaint received 2017-11-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (OR)

I have been trying to get a loan modification, and have been denied, my last day to appeal the latest denied loan modification was XX/XX/XXXX. My home has a sale date of XX/XX/XXXX. 
I just got the CFPB 45 Day Solicitation Letters uploaded to my account on XX/XX/XXXX!? I called the mortgage company that was formerly Nationstar, now MR. Cooper, and asked them why am I receiving them 8 days before my home is sold? The loss mitigation department said that is fine to do..I told them it looks like I should have gotten that 45 days ago. If I had received the letter from them I may have been able to do a deed in lieu or other arrangement that they talk about on the letter, in order to save my credit moving forward. Now it feels too late to do anything, and they are forcing me into having a foreclosure or bankruptcy on my credit..which is horrible since I run a small business that I have to personally guarantee finically. This will make everything more expensive for me, for a long time. I want to stop the sale and avoid foreclosure ASAP.
Consumer complaint received 2024-06-03
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. (TX)

XXXX, XXXX and TransUnion are reporting these three items on my report as accurate. I dont know or have any knowledge of who these creditors are and want them deleted immediately. Attached is my police report and items showing these original creditors that I have no knowledge of and want deleted immediately. Police report number # XXXX.
Consumer complaint received 2023-12-20
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I was living in XXXX XXXX  XXXX since XX/XX/XXXX with a lease end date of XX/XX/XXXX. I did reach out to the manager in XX/XX/XXXX asking early move out is possible since I bought a new home. Manager approved the move out of XX/XX/XXXX in writing after few rounds of discussions. Manager had asked me to come to the front office again by XXXX XXXX month end to note down the prorated rent for XXXX, which I did and paid the amount by Cashier cheque. I have attached all the evidence with this complaint. Since the property manager approved the move out in writing and I settled prorated amount noted by the Property officials, it is not an unlawful move out. I see that XXXX and Genesis Debt collection is trying to collect {$2000.00} in the name of XXXX  change term fee, which is not documented anywhere in the lease and also, I was not informed when the property manager had approved the early move out in writing as well. If XXXX is trying to collect the remaining lease amount + unlawful early move out and reletting charge of {$1300.00} in lease term XXXX then it is not valid, as my move out does not qualify under unlawful move out since Property manager had approved the move out and Leasing officials had shared the prorated amount what I should pay for XX/XX/XXXX before I move out, which I did.
Consumer complaint received 2023-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (WY)

On XX/XX/XXXX, I entered into an agreement with JPMCB regarding an outstanding debt I owed on a credit card. The card was opened on XX/XX/XXXXXXXX  and closed in XX/XX/XXXX. The agreement was to settle the outstanding balance of {$3000.00} by forgiving {$1900.00} reducing the outstand amount to {$1100.00} if I fulfilled a payment plan. The payment plan was scheduled for 8 monthly payments in the amount of {$130.00} and and final payment of {$79.00}. I paid the first payment on XX/XX/XXXX in the amount of {$130.00}. I made additional payments as follows : XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$590.00} * I have filled my part of the agreement but, JPMCB refuses to update the outstanding balance to {$0.00}. I request that JPMCB be directed to update the balance with all the three major credit bureaus or have the entry removed all together. I have tried to dispute with the credit bureau but JPMCB keeps submitting false information to the bureau. 

*Paid off early
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act Convergent Account # 1234, 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. Each time, I meticulously listed the disputed accounts and highlighted the violations they were causing to my consumer report. 

Despite this, it has now been over 30 days, and I have not received any response from your end. 

For your reference, I have attached copies of all the letters I sent regarding these disputes. 

I urge you to address this matter promptly and provide a resolution.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my FOURTH NOTICE disputing inaccurate personal information on my credit report. The following information is NOT MINE, and I have NO CONNECTION to it. Kindly remove this information from my credit report immediately. If you persist in reporting this inaccurate information, I will pursue legal action for willful noncompliance with FCRA regulations. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-03
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)

I have accounts that are listed on my credit report that are not mine and were never initiated by me at any given point. These accounts are a result of identity theft and NEED TO BE REMOVED EFFECTIVE IMMEDIATELY. I am aware of my rights under section 605b and according to 15 USC 1681a2 I did not give permission for these fraudulent accounts to be furnished on my credit report, therefore TransUnion is in violation of the fair credit reporting act under section 605b and 15 USC 1681a2.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NJ)

Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear AMERICAN EXPRESS , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number:XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-12-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2023, I called XXXX XXXX to fully paid my XXXX XXXX credit store card and I was quoted the payoff for the amount of {$91.00}. With a surprise that I have been charged after that fee of interest of {$1.00} on XX/XX/2023 and late fee on XX/XX/2023 {$4.00} and on XX/XX/2023 {$1.00} on XX/XX/2023 {$10.00} XXXX {$1.00} XXXX late fee {$22.00} a late fee on XX/XX/2023 for amount of {$35.00} and interest charge on purchase {$1.00} which I did not make any other purchase at all on the XXXX XXXX credit store XXXX XXXX From {$1.00} interest charge purchase now, I owe a total of {$82.00}. This is unfair that I need to pay a balance amount that I didn't use at all. These are charges over charges to my account from interest over interest and fees. 

I need your help with this matter this totally arm robbery to a consumer that pay off the balance on the credit card and was told by a representative that was the total and I paid the amount of {$91.00} on XX/XX/2023. The call needs to be heard since it states all calls are recorded. 

My credit report should not be affective at all for wrong information provided from your staff.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$750.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX