davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  bombards you with interruptions to do their free trial.. once u sign u and dont pay thej XXXX dollars a month for stuff that should be free. you try to sign into ur account, .., it takes you to a payment page. there isnt even an optiohn to cancel its pay or no account access furthermore there are items on my report that i have been challanging and they refuse to take a look at.. i was a Victim of disasters.. hurricane in florida.. i was also a victim of XXXX  data breach.XXXX XXXX XXXX.. and several others and i am challanging authenticity of all accounts during that time as i do not regularly use credit as my file will show you. i need all negative outsanding items removed as per applicable laws.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

My bill is due on XXXX monthly on, Friday XX/XX/XXXX at XXXX ; XXXX i paid {$140.00} from my business checking account towards my credit card bill. On XX/XX/XXXX i saw a {$40.00} late fee on my account, i called Chase Bank and ask why is there a late fee when i paid my bill on XX/XX/XXXX hey stated he will put in a reversal for the same. I then ask him to put in a reversal for late fee in XXXX which he told me he did and it was authorized. that is a total of XXXX late fees one for the XX/XX/XXXX and XXXX for XX/XX/XXXX. On XX/XX/XXXX i notice they took the reverse the late fee back for XXXX that was not late because XXXX. I called chase bank at XXXX on XX/XX/XXXX at XXXX ; XXXX a customer service came on line. Telling me the reversal was a mistake. HOW can you charge for a late fee that was paid on the due date. I initially did not owe any late fee for XXXX to make matters worse i ask for her supervisor a man came on stating his name is XXXX stating he is the accounting supervisor bank # XXXX. When i ask about the discrepancy i heard him in the back ground laughing and ignoring me when i try to ask questions. I ask him to speak with is manager he stated I AM THE MANAGER. I stated did you not state that you were the supervisor eh then admit he is and hurried me off the phone. I need my {$40.00} back as my bill was not late.
Consumer complaint received 2023-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

I received a response/action from Mohela on XX/XX/XXXX stating that my portion of my joint spousal loan had been forgiven. They also stated that they took the overages from my portion of my student loan and applied them to my ex-husbands balance. 

I was told by XXXX in XXXX on a couple occasions that overages from one portion of a forgiven spousal loan would indeed be refunded or returned to the original payors account, unless I chose to apply them to the other portion. 

While I am thankful that Mohela finally carried through with forgiving my portion of loans that XXXX failed to process. I am not pleased that my overages went to my ex-husbands portion. 

Any payments paid in XXXX were paid by my employer to the student loan company for my benefit. 

While Mohela may cite that I am responsible for the other portion of the loan, there was a law that was signed by XXXX XXXX, XX/XX/XXXX, that is to separate joint spousal consolidation loans. My intent is to separate these loans once the DoE implements this law. 

I am a victim of abuse, which can be proven. My former spouse has not made any payments on these loans. He has used these loans to continue to abuse me and I do not fond it fair that any refunds would find their way to him. The law that was passed is designed to protect me and people like me. 

I would like to know how much of an overage was applied to my ex-husbands portion. 

I would like to know when the DoE implements the law that will indeed separate these spousal loans what will happen with my overages. 

Also, when the IDR waiver is applied this year which could forgive my ex-husbands portion, what will happen with the overages? His loans went into repayment in XXXX.
Consumer complaint received 2024-07-11
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Finance of America Holdings LLC (OK)

On XX/XX/year>, I was approved for a reverse mortgage through Finance of America, but would have to wait one year before I could access my equity. I waited the year, then found out they had turned my loan into an 100 % funded XXXX account. They deceitfully kept this change from me and let me think I had the type of loan all my previous paperwork said I would have. After my XXXX XXXX  anniversary I was to be able to access at least {$45000.00}, that's what my good faith estimate stated along with my application documents. Now they state they will pay my insurance and property taxes for the next 240 months. 
I contacted my loan officer, XXXX XXXX, to see what happened and why, and he said he had no idea Finance of America was going to do that or why they would do that. He also said that he works for XXXX XXXX now, and he would refinance my loan for me at a lower interest rate and not charge me any closing costs. He said he felt bad about what happened. He started a new loan for me, then after two weeks he told me to call back in XXXX when hopefully the rates go down. He couldn't do anything for me now. Now I have no way to receive any funds and I was told I can't refinance until 18 months have past since signing original documents. 
And my insurance for my house was due in XXXX, but instead of them paying it they were under the impression I was responsible for paying it. Even though they froze all my money for 240 months. They sent me threatening letters saying I better pay my insurance or else ...... They finally paid it the date it was due.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

Dear LexisNexis, Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. " XXXX XXXX : Bankruptcy '' with Reference # : XXXX. Account is reporting when the US bankruptcy court does not report to anyone. This is a Violation of my privacy. Please delete this account immediately for failing to do your due diligence in making sure everything is 100 % accurate on my report. Thus, it is unverifiable and must be deleted immediately. Sincerely, XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been reaching out to these companys regareting me being a victim of Identity theft and they have not helped me. I have wrote letters regarding these accounts to get removed off my credit report. I have not been able to get any response or help.
Consumer complaint received 2024-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY (GA)

Per my last three ( 3 ) Complaints I have demonstrated, beyond any reasonable doubt that XXXX XXXX has not only lied to me, but she has lied to a Federal Government Agency that was established to protect consumers from unethical, fraudulent, and predatory actions by all credit providers.

I have attached for the record, to CFPB, documented proof that " she '' personality and as an executive representative of Wells Fargo who has encouraged her to act, in criminal behavior, by lying, and misrepresentation through written communication ( attached ). This criminal behavior is promoted by Wells Fargo in continuous systemic cultures that exist at Wel
ls Fargo, where they were found guilty as criminals, by the US Court, which ordered them to provide financial relief for their fraudulent actions which affected thousands of customers so Wells Fargo could profit by taking! Theft-by-taking!
Consumer complaint received 2024-01-27
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. (TN)

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 information is inaccurate.
Consumer complaint received 2024-07-07
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. (NY)

I am trying to buy a home i notice some Negative report on my credit i contacted TransUnion LLC twice in regards to the same per 15USC 1681 i requested they furnish me with their means of investigation as the information is inaccurate, incomplete and unethical which they refuses to do. This report is misleading, Amiss, and awry and is doing a humongous damage to my character.Your intervention in this matter is highly appreciated. Thank you
Consumer complaint received 2024-01-27
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. (ND)

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 information is inaccurate.
Consumer complaint received 2024-01-27
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)

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 information is inaccurate.
Consumer complaint received 2024-07-06
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. (NJ)

I opened the XXXX XXXX XXXX XXXX trade line in XXXX. The first delinquency was reported over XXXX years ago in XX/XX/XXXX. Per FCRA, a consumer has the right to dispute items on their credit report that are inaccurate and outdated. When I settled the balance, it was advised it would be reflected as paid and cease negative reporting. Per my settlement, I expected this account to be deleted. Since, Ive found derogatory information on my credit report that is inaccurate. I requested that the derogatory information be removed as it violates the Fair Credit Reporting Act and the credit furnishers are ignoring my requests and not providing details of how they verified the account. Also, when Ive disputed the information, it re-aged on my credit file as if its a more recent delinquency which further brings down my score. The furnisher and credit reporting bureaus are acting unethically, unlawfully and willfully engaging in wrongdoing. The FCRA laws that has been violated is : Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report bad credit information is removed after seven ( 7 ) years. FCRA Section 6:05 B, it is illegal to report information on my credit report. without my permission. According to the Fair Credit Reporting Act 15 USC 1681 section 602 it requires promptly modify or deleting the information, or block its reporting. In Section 623 ( b ) ( 1 ) ( E ) and Section 623 ( a ) ( 5 ) If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. With that all considered, this file should not be reported on my credit report. It passes the statue of limitations and violates the law. The trade-line has been deleted on XXXX credit report, except for on the Transunion and XXXX reports XXXX
Consumer complaint received 2023-11-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CCS Financial Services, Inc. (CA)

Collect company keep sending letters to get money, bill was already pay by my lawyers, collect company still put me in collection and ruined my credit score for no reason. I receive call treating my work pay check and or my personal property.
Consumer complaint received 2024-01-27
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)

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 information is inaccurate.
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-27
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. (PA)

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 information is inaccurate.
Consumer complaint received 2024-08-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

In XX/XX/XXXX, my husband and I paid our property taxes out of pocket, unaware that the amount in our escrow account was to pay those same taxes. This resulted in a surplus in our escrow account that is owed to us. We contacted XXXX XXXX XXXX Mr. Cooper Mortgageto inquire about the {$2800.00} that is owed to us. Since then, we have gone back and forth OVER XXXX times with them asking for our check. Each time I reach out, I'm told the same thing : " we'll reissue the check. '' They claimed to have " reissued '' this check several times, but we have never received it. The last XXXX times I reached out, it was to follow up after someone named XXXX XXXX said " I will go ahead and get the request in to reissue the check through the mail. This process can take up to XXXX business days. '' He said this on XX/XX/XXXX. I have since followed up twice, with no response. This is just XXXX instance of XXXX where we have been begging to be sent our check.
Consumer complaint received 2024-01-27
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. (MD)

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 information is inaccurate.
Consumer complaint received 2024-08-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation (NC)

i'm going through a dept resalution program. I'm not supposed to answer there calls. they called a friend of mine and left the message XXXX we've been trying to get a hold of XXXX have her call us. and they left a number. i never gave them her name or number.