davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
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. (TX)

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 XXXXXX/XX/year>
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. (NJ)

I am writing this complaint to Transunion regarding the accounts and information thats listed in my dispute letter. After going over my monthly consumer report I've noticed information thats reporting to my report that doesnt belong to me. I am aware of the consumer laws that Transunion is governed by, and I understand that any information or account must be verifiable and accurate to properly report. The accounts and personal information listed in my dispute letter are both inaccurate and don't belong to me. The creditors thats reporting the accounts never had my consent to obtain my personal information nor did they have permission to share it with anyone, which violates my right to privacy. For the accounts to belong to me there must be mutual agreements and documentation included in which neither exists. It is Transunion 's duty to thoroughly investigate my dispute and update and remove anything thats unverifiable. How can there be a debt owed if there was never a mutual agreement between both parties? Violations committed by Transunion and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2023-05-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (CA)

I submitted all of my documents to United Wholesale Mortgage for my VA loan modification on XX/XX/2023. Then on XX/XX/2023 I was told that I needed more information to upload to satisfy the underwriting requirements. On XX/XX/2023, I was told that they were not able to open a single document and told me to upload them again. I even was told to email them to ensure they were received. They put me on hold and was speaking with someone and once they got back on the line, they assured me that they were able to open each document and view them and I should be good to go from there. They stated that they escalated the issue to upper management and it should take 3 to 5 business days to resolve. Then on XX/XX/2023, they rejected the documents stating they were not able to open any of the documents, but when I spoke to someone just two days earlier, they assured me that they were able to open each document.. I uploaded them again and were able to open each document on the website after I uploaded them. They asked me to make sure they were in PDF format. 
on XX/XX/2023, I spoke with someone and they said that it should be resolved that day. 
I would get letters stating that I have submitted all of my documentation and it has gone to underwriting. I received over 5 of these letters. On XX/XX/2023, I spoke with another person who stated she was not able to open any of the documents. She then spoke to someone in another department and was told that they were able to open the documents. At this point, I have no confidence that they want to help, and are intentionally not approving my modification on purpose.
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of
information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
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. (CA)

I am requesting Old address inaccurate address be removed from my credit report and updated to this current address. 

XXXX XXXX XXXX XXXX Ca XXXX Furthermore ...... 


I am writing to formally request a thorough reinvestigation into the inaccurate accounts on my consumer credit report. I have identified several erroneous instances and non-compliant information that require your immediate attention. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields. Any deviation from this standard is a violation of federal regulations and a breach of consumer trust. 

Additionally, you are in violation of the Privacy Act of 1974, as I was not given an opt-out notice as required by 12 CFR 1016.4, which mandates initial privacy notices to consumers.

I insist on strict compliance with Metro 2 reporting requirements. Therefore, I request irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 
The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system. 
A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 
If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).

Please address this matter with the urgency it deserves and provide a written response within the 30-day period as required by the FCRA. I expect a complete and thorough investigation into this matter.
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

LVNV Funding is reporting false information my credit report. I have never done business with the agency. I have no knowledge of the debt they are claiming is mine and I requested a copy of a contract or agreement with wet ink signature and they have not provided anything other than a one page copy of a statement.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (FL)

Caine and Weiner has willfully violated me as a consumer. The company has disregarded my rights as a consumer. The first communication was initiated by me. I noticed there was an account furnishing on my report that Caine & Weiner is attempting to collect. I did not receive any communication or opportunity to dispute before this company furnished this to the CRAs. A cease and desist was put in place with specific instructions. I asked for Caine and Weiner to stop reporting and delete the account. They placed it in C & D status but refused to remove this account. They refused to validate or adhere to the FDCPA. This situation has been a complete nightmare.
Consumer complaint received 2024-06-25
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)

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 
I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX XXXX XXXX ACCOUNT # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I refinanced my mortgage with Nationstar Mortgage. The closing date was XXXX XXXX, 2015 and disbursements were made on XXXX XXXX. Nationstar had authorization to access my checking account for the monthly mortgage payment. As I said, the account was paid off on XXXX XXXX but Nationstar accessed my checking account on XXXX XXXX and withdrew payment in the amount of {$2600.00}. I immediately called them to get the problem corrected and spoke to a supervisor who acknowledged the error and told me that the transaction would be reversed electronically within XXXX hours. The next day since reimbursement had not occurred I called back and was informed that the re-financed account had been closed and that reimbursement would be made by check sent by express mail. That payment arrived today but the amount reimbursed was for {$2200.00}. The bank had retained {$400.00}. When I called for an explanation they tried to " explain '' that according to their records that amount was still owed and so it was retained. I asked the supervisor, XXXX XXXX, if she was claiming that the settlement sheet ( XXXX ) which showed complete disbursement was incorrect. She said the settlement sheet was correct. I noted that the amount outstanding on the loan as of XXXX XXXX was {$370000.00} and that the payoff amount, which she acknowledged was correct, was {$380000.00} and that payment was made as scheduled on the settlement on XXXX XXXX. I also asked if Nationstar had not improperly billed my checking account for payment against a closed account whether I would have been billed for the {$400.00}. She stated that I would NOT have been billed but still insists that the bank had properly retained the {$400.00}. I then called the Settlement Agent, XXXX XXXX XXXX XXXX XXXX, which verified that disbursement had been made as stated in the settlement and that all accounts were deemed accurate. He also noted that I had received a reimbursement at settlement of {$1100.00}. No one can undertsand what the retained funds claimed by Nationstar are for.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contact TransUnion on XX/XX/year> for assistance with regaining access to my account. My account was tied to an old/closed email account and I needed to update the information so I could dispute an item on my report that I was viewing on XXXX. 

I reached out via chat and the chat agent " XXXX '' kept giving me overseas call center phone numbers to call. I asked for a supervisor who could give me an American call center number, but they were also unable to help. I was in the chat for over XXXX minutes. I was transferred to XXXX and another country in my XXXX calls and was told that 'We are an international company and there is no call center in the US . '' As an identity theft victim, this makes me feel very uneasy and I am not going to do that. The chat supervisor suggested setting me up to receive an incoming call within " 3-5 days. '' I declined and stated that I don't answer unknown incoming calls, nor do I provide PII to someone calling my phone. 

I don't mind verifying myself, but I should be able to talk to someone in my country to do that. I was never offered an option to do this. I find it concerning that this company who collects all of my most personal information farms all of the governance of my data to these XXXX call centers.
Consumer complaint received 2024-08-22
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: Resurgent Capital Services L.P. (NV)

On XX/XX/2024 a man left a letter under our door mat at my home. I have the ring video of him leaving the letter under my door mat as well. When I got off work the following morning I was able to retrieve the letter. I called the Justice court to verify the case number and that the letter was authentic and not a scam. Once explaining to the clerk what happened, she stated that the way I was presented this letter was not the proper lawful way. The letter was a summons ( case # XXXX ) by Justice Court, XXXX XXXX XXXX XXXX, Nevada. It stated that I was being sued for a sum of {$1400.00} by LVNV Funding LLC, in which they were being represented by Attorney XXXX XXXX XXXX, for a credit card with XXXX XXXX XXXX. The problem I have is, I never had a XXXX  XXXX XXXX XXXX XXXX in that such of an amount. The most I ever had on a XXXX XXXX XXXX XXXX XXXX in my life was only {$500.00}.
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, "
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On XX/XX/ I tried to withdrawal {$400.00} from XXXX ATM SERVICED by XXXX.this was on XXXX XXXX in XXXX XXXX got an error that said money was returned because it wasnt retrieved fast enough. Unfortunately, I did not take picture of error. IT SAID to contact my financial institution. I did immediately. and reached out to Chime My dispute was denied with no explanation. I have filed an appeal, but have heard nothing. I was leaving the next day for vacation and was going to see from XXXX how to contact XXXX Im sure there are cameras on the ATM to see I never received the money. In fact I never received the message to take card to get money. I had a difficult time getting my card out. I talked to a XXXX employee who saw me having trouble getting my card and got manager. Manager advised they couldnt help
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Based on multiple calculators, including the studentaid.gov website calculator, my payment is higher than expected, possibly up to {$300.00} higher. I first contacted Nelnet in late XXXX after they suddenly switched me out of forbearance that was supposed to last until XX/XX/2024 after migrating from My Great Lakes ( and I waited XXXX hours on hold ). Since I gave consent for the IRS to share tax info they recalculated my payment amount and payment due date and they told me it could not be switched back ( giving me barely 30 days notice that a payment would be due ). Today on XX/XX/XXXX, after thinking the payment amount seemed higher than what I remembered, I plugged in my information into a few calculators and noticed what seems to be the aforementioned payment discrepancy. I contacted Nelnet again and was told payments could be recalculated, but that I still had to pay the higher amount this month until they can figure out what my payment will be ( unless I wanted to use one of my three payment hardship forbearance months ). I dont think I should have to pay extra if the payment is wrong, since it is not my fault that the payment was not calculated correctly.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WY)

I have repeatedly requested the mortgage be released on a mortgage with Nationstar Mortgage that was paid off XXXX XXXX, 2015. Repeated requests have also been made by the title company and the owners ( XXXX and XXXX XXXX ) of the property.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE UPDATE MY PERSONAL INFORMATION ON MY CONSUMER PROFILE TO THE FOLLOWING INFORMATION STATED THE PERSONAL INFORMATION DOCUMENT ATTACHED. PLEASE DELETE ANY ADDITONAL ADDRESSES AND EMEPLOYMENY HISTORY ON MY PROFILE THAT ARE NOT MENTIONED IN THE ATTACTED DOCUMENT.
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. (IL)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CA)

I've been getting a late charge fee for making payments late. My payment is due on the XXXX of each month and I've been making my payment in the beginning of the month. For the month of XXXX, XXXX and now XXXX, I got charged a late fee when I made payments on time. XXXX payment was made on XXXX for {$60.00} and I got charged a late fee of {$30.00}. XXXX payment was made on XXXX for {$60.00} and I got charged a late fee of {$41.00}. I was chatting with customer service to waive the fee for XXXX which they waived. I asked why they charged me when I made a payment on time so they waived the fee. Come XXXX I made the payment on time and I got charged a ate fee of {$41.00}. Come XXXX, now I owe {$130.00} ( {$30.00} late fee for XXXX, {$41.00} late fee for XXXX, plus the minimum payment of {$61.00} which equates to {$130.00} due for XXXX ). When I was chatting to waive the first fee of {$30.00}, I asked if i will be having the same issue for next month and he said no. Then it happened again. I should have never been charged a late fee when I made the payment in the beginning of the month. Customer service told me I got charged a late fee because of when the statement was issued. I bever had an issue with any other cards but this. They said since I made a payment early this is what caused the problem. I don't agree with them because they are making me pay these late fees when I paid my monthly payment on time. If I knew I had to pay my monthly payment on a certain day of the month, then I would never post payment early as i wouldn't want to get charged these late fees.
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. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.