davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NM)

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 2024-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

Portfolio recovery For said XXXX XXXX card..allegedly from XXXX. They removed from my savings account {$2200.00} and {$120.00} fee. I called XX/XX/XXXX the day the funds were removed. I was given the number by my bank on who to contact. I was told I would get information pending an investigation within XXXX to XXXX business days. Today being XX/XX/XXXX I again called asked what the holdup was and was given the runaround. I was told by XXXX from the disputes part of portfolio recovery again.. She would file a dispute! I seriously do not understand how this can even be legal! I do not have a XXXX XXXX card nor have I ever. They also had down a way to contact me was a XXXX XXXX XXXX I have lived at my home for XXXX  years, which definitely is not a XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (MA)

Numerous companies have reported credit inquires to XXXX, XXXX and XXXX. These inquiries were NOT authorized by me nor am I aware of who that are. The names of the companies on my Credit Report are : - Credco - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of the Credit Agencies will help me without CFPB or FTC assistance. 

Thank you
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I refer to Nationstar letter dated  XXXX   XXXX   ( copy a ttached ) and wish to state as under  : 1. ) They say I got a Loan Mod as  of  XXXX   XXXX . In fact I had already mentioned about it and also stated that, that was not under HAMP. It was an in-hous  e Loan Mod.
2. ) Hence I was fully eligible for a HAMP Loan Mod. and submitted a Complete HAMP Loan Modification Package, which they confirm having rece  ived on  XXXX   XXXX . Now they are conveniently saying that it was an " incomplete package '', without ever mentioning what was missing, before the  XXXX   XXXX  deadline.    3. ) If it was, incomplete, then are they not supposed to ask immediately, as to what was missing? When my 3rd Party called to enquire about the status, instead of asking for any missing documents, they were only being told that I am not eligible for a Loan Modification, as I am regular with my payments.     4. ) Now, they also admit that they made a mistake in not reviewing my Loan Mod under HAMP, until  perhaps  XXXX   XXXX . How can they make such a big mistake and now turn back and say t hat HAMP exp ired on  XXXX   XXXX  or the package was incomplete, when they had my complete package by  XXXX  and no missing document request was ever sent to me before  XXXX   XXXX ?    5. ) Wha tever docs. requested through the  XXXX   XXXX  letter and subsequent letters were all submitted promptly b y my 3rd part y.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

I deposited my check on XX/XX/XXXX and it cleared just fine. After having issues with with my account being frozen and then not telling me why it was frozen in XXXX and part of XXXX, I made a complaint to the CFPB. 

Complaint # XXXX After my complaint they unfroze my account but then out of no where they did a Return Check Deposit from my check in XXXX. I asked over and over calling there customer service why this happened and they said they cant give me any information or tell me why its happened, or anyway to fix it. Now there trying to close my account for no reason. 

I asked my prior employer to track where the check funds were returned to and its says it was only deposited into SOFI and doesnt know why a return check deposit occurred with them. I just wan na figure out why this happened and what i need to do. I cant help but feel like there in violation of withholding my funds without giving me any information of any compliances.
Consumer complaint received 2024-01-04
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)

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.

has violated my rights. Or a list of inquiries : 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 2024-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I sent a certified letter to PORTFOLIO RECOVERY on XX/XX/2024, asking for VERIFICATION AND VALIDATION of alleged debt owed. As of today 's date XX/XX/2024 I have not received any correspondence from this company., In the letter I also asked that they promptly delete any and all prior consumer reporting made to any CRAs. 
Therefore, I am asking that this information that they have illegally placed on my credit report be removed from all credit bureaus. 

CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (TX)

Description of complaint : On XX/XX/XXXX, I initiated a transfer ( remittance ) with this company, whose " promised delivery '' time frame was 30 minutes. This remittance was from my XXXX based account to my own account in XXXX. As soon as I clicked send, that changed and it said there was a " delay, but they were doing everything they could to finalize the transaction in the next 4 hours ''. By XX/XX/XXXX at XXXX XXXX, the transfer still wasn't complete, so I reached out via chat and was told there was a hold up with the bank in XXXX due to system updates but " no worries, it would be completed today ''. I let them know this was causing me financial stress, I had to make payments and would be charged late fees, but I kept getting the same copy/pasted responses from different reps saying " they'd take ownership and fix it '' but the money wasn't in my account. On XX/XX/XXXX I was even told that XXXX was " undergoing system maintenance and so, their system was down ''. I called XXXX- they denied this and said it was false, they had been receiving remittances and domestic and international transfers and that there was no incoming transfer into my account. 
Needless to say, I was XXXX. I contacted them again, asked to speak with a supervisor, asked for a refund and STILL kept getting the same copy/pasted replies to just be patient - and the last rep XXXX was the worst of all, kept giving me the same copy/pasted responses, kept me in chat for over an hour when I repeatedly told him I just wanted my money back and if he couldn't do that, to transfer me to speak with a supervisor or someone who could, and he just kept repeating that a supervisor would tell me the same thing, when I wouldn't budge and told him I knew it was all lies, he finally told me the thing was all he could do was send an email to ask about the transaction because due to time zone differences there was no supervisor even there. They won't even give me my money back, they won't send it. I need help.
Consumer complaint received 2024-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (VA)

I set up an XXXX account for online dating on XX/XX/year>. After experiencing the platform and realizing their product did not perform as advertised I wanted to remove my account and cancel my membership. After attempting to cancel my account continued to show as active and charged my card without my approval. XXXX XXXX disputed the charge and agreed that XXXX should not have charged me for my cancelled membership and returned my money to me. 

I attempted to continue to fully shut down my account but their system will not allow me to remove my photos or personal information from their dating profiles. 

On XX/XX/XXXX I received a notice from XXXX  for a debt collection. This is a debt I do not owe as I cancelled my account. I disputed the debt on the XXXX  website on XX/XX/year>.
Consumer complaint received 2024-05-17
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I am requesting the immediate removal of the account from XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Rental/Leasing ; Original Creditor - XXXX XXXX XXXXXXXX XXXX Amount - {$7400.00} ; This unverifiable item is in clear violation of FCRA Section 611 a ) ( 1 ) ( A ). I expect this to be done in 30 days from the receipt of this complaint, as stipulated by FCRA 623 ( a ) ( 8 ). Failure to comply within the specified timeframe will be considered willful non compliance, subject to legal consequences. Additionally I want to make it clear that any action taken by XXXX XXXX XXXX besides deleting the collection will be considered non-compliance. I am invoking my rights under 15 US Code 1681b ( 2 ) AND I am giving clear instructions to furnish my report and delete the collectio. Failure to adhere to these instructions will result in further legal action. Moreover I insist on XXXX XXXX providing written document that provesI, as the consumer have granted explicit permission for your agency to access my consumer file. The failure to obtain consent is a direct violation of FCRA seCTION 604 ( a ) ( XXXX  ) ( A ). This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws.
Consumer complaint received 2024-01-04
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2024-05-24
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: Experian Information Solutions Inc. (NY)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Calrity Services . Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services XXXX, a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Consumer complaint received 2023-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MUTUAL OF OMAHA MORTGAGE, LLC (FL)

XXXX XXXX XXXX CFPB Original case # XXXX Mutual of Omaha overcharged me on Taxes!

For 3 years Mutual of Omaha overcharged me on taxes.

1st year {$8000.00} 2 year {$4000.00} 3 year {$4000.00} Omaha decided that they wanted to use market value versus assessed value.

NOBODY uses market value for taxes. Yet Omaha did!

Omaha responded to the original complaint by saying they would change my payment from {$1800.00} to $ XXXXThey did not do it! I am still paying {$1800.00}. 
I want my payment to be {$1500.00} and I want Omaha to reimburse my overpayment of {$600.00} for the last 2 months.
Consumer complaint received 2024-01-03
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. (MO)

I have been affected by the XXXX XXXX XXXX. There are discrepancies throughout all of the major credit profiles such as Transunion, XXXX XXXX XXXX. My information has been released without my consent. These several inaccuracies within my credit profile need to be rectified and need to show the exact same through out each.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-03
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-04-01
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. (TX)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

XXXX is inaccurately reporting information. 
Violating FCRA Nelnet on XXXX reported on Date last active XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX Both XXXX XXXX XXXX are illegally reaching account and failed to report accurately Last active XX/XX/XXXX, therefore account is XXXX years XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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. (AZ)

XXXX5USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (TN)

Wakefield & Associates continues to make false statements of not knowing of any account that references to my name but continue to post false statements to credit bureau as of XX/XX/XXXX, XXXXThis  company continues to post fraudulent information to my credit report. I've never had any contractual agreement with this. This company purchased this information and some how attached my name to it.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.
Consumer complaint received 2024-01-04
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. (FL)

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 to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX