davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX you furnished an alleged transaction on my TransUnion that you identified as late.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know your not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : { List Late Payment account/s } XXXX XXXX _________________________________ Without Recourse UCC 1-308
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOP Pioneer Partners LP (LA)

I applied for a loan as a means to assist with paying for a medical procedure. The loan was approved at over 35 % APR. as a military member in XXXX XXXX ordered to Louisiana, Louisiana has laws expanding SCRA protections for interest rates to be capped at 6 % no matter if that service member was already in XXXX XXXX at the time of opening that account. I relayed that information to XXXX and they are refusing to honor that law stating that they will not lower the interest rate since I was already in XXXX XXXX. I have been advised by XXXX XXXX XXXX  that it applies to loans that were previously taken out prior to orders to Louisiana and new loans that originate here. I am requesting they lower my APR to 6 % XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand that the following account be verified or removed immediately : 1. The following account is not mine XXXX XXXX XXXX please remove it from my credit report 2.The following account is not mine XXXX XXXX XXXX XXXXXXXX please remove it from my credit report 3.The following account is not mine XXXX XXXX XXXX please remove it from my creit report 4. The following account is not mine XXXX XXXX please remove it from my credit report 5.The following account is not mine XXXX XXXX XXXX please remove it from my credit report 6.The inquiry was not authorized XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc. (CA)

Tue XX/XX/XXXX XXXX PM My spouse and I have been deeply troubled and experiencing heightened XXXX  due to the ongoing and imminent risk of having our cherished residence subjected to public auction by the debt collection agencies Real Time Resolutions , IncXXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Our initial home purchase took place on XX/XX/XXXX, during which we, inexperienced in real estate matters, placed our trust in the loan agent and the bank. 

Regrettably, our mortgage arrangement consisted of both a primary and secondary loan. The ten percent down payment, totaling over {$30000.00}, was not specified in the loan documentation. Furthermore, the secondary loan amount of {$34000.00} was unlawfully transformed into a HELOC account, without my knowledge or consent, resulting in a modification to {$90000.00} on XX/XX/XXXX, in collaboration with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name on falsified documents. 

Subsequently, a further fraudulent transaction occurred on XX/XX/XXXX, amounting to an additional {$90000.00}, bringing the total to {$180000.00}. None of the loan agents involved in these deceitful transactions, including the Notary Public XXXX XXXX XXXX, have been held accountable. 

Despite our efforts, no individual has been identified as responsible for these deceptive practices. Authorities, including the FBI, have cited statute of limitations issues, hindering the pursuit of legal action. 

Multiple complaints were filed with various regulatory bodies and financial institutions, such as the Federal Trade Commission, the California Attorney General 's Office, and the Consumer Financial Protection Bureau. However, the response from XXXX XXXX XXXX XXXX XXXX and relevant personnel was perceived as inadequate and uncooperative, despite compelling evidence of fraud presented during investigations. 

Subsequently, we engaged the services of a real estate attorney, who affirmed the injustice of the debt collector 's pursuit of {$180000.00} upon reviewing the documentation, highlighting discrepancies in loan eligibility criteria and documentation integrity. 

Real Time Resolutions , Inc. and XXXX XXXX XXXX XXXX have persistently threatened foreclosure and auction of our property, causing significant mental distress, financial hardship, and emotional turmoil for our family. 

We seek resolution and restitution for the distress caused by the fraudulent actions of XXXX XXXX XXXX XXXX. This situation has inflicted severe mental anguish, and financial strain, and disrupted our peace of mind. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-18
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: CLGF Holdco 1, LLC (NY)

This account was paid off. 
Destiny is continuing to charge me {$40.00} a month on a non sufficient fund fee that i processed and it was not my payment date the transaction was done on XX/XX/XXXX, my payment date was the XXXX i asked the agent if i made an early payment will the auto pay still make the payment on the due date she said no so on a non payment day i attempted to make a payment my bank did not accept it. I have paid them in full in XXXX.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-31
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. (GA)

I Looked at my credit report on XXXX XXXX, XXXX. I was informed that my credit report has unauthorized hard inquiries also some inquiries are over their removal date. I also have the evidence. ACCORDING TO 15 USC 1681B FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWNINGLY WITHOUT A PERMISSIBLE PURPOSE. 


1. ( XXXX XXXX XXXX, XXXX, XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 2. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 3. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 4. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 5. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 6. ( XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 7. ( XXXX  XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 8. ( XXXX  XXXX XXXX XXXX XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 9. ( XXXX  XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 10. ( XXXX XXXXXXXX XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 11. ( XXXX  XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 12. ( XXXX XXXX XXXX XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 13. ( XXXX XXXX  XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B I WOULD LIKE THESE ACCOUNTS REMOVED.

ACCORDING TO 15 USC 1681B FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWNINGLY WITHOUT A PERMISSIBLE PURPOSE.
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I wired {$20000.00} from my XXXX account to below detailed recipient but their account has not been withdrawn. The request for the refund has been rejected by their bank. I need legal help. Wire transfer information Date : XX/XX/2023 Account Name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, NY XXXX Recipient Account information Account Name : XXXX XXXX XXXX XXXX Account Number # XXXX Receiving Bank Information Bank of America Association Address : XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX I emailed Bank of Ameria but never got response. I also contacted XXXX but XXXX gave no response either.
Consumer complaint received 2024-03-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (LA)

Rushmore Servicing- I have been requesting to close our account since XXXX. I have called and no one could seem to answer my questions or would send me to the wrong contacts. Finally, at the end of XXXX, I received a payoff request from the company ( which there was no money owed ), but they requested {$61.00}. I filled out the requested forms, got the cashier 's check, and overnighted the documents. When I looked online, Rushmore Services applied my {$61.00} to a principal payment that is not needed. They never closed the account. I have tried to contact them by phone and after all the automated prompts, I finally get to a spot where they are going to send me to a service representative and then told they can not take my call and there is no way to leave a message. I tried to email the company again and they told me I had to call. I just want to close my account which I owe nothing on and haven't owed anything on it.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Per the FCRA, I requested proof that the information was verified. XXXX XXXX- XXXX I do not recognize this account. Please REMOVE from my report. Please send back an updated copy of my credit report to the address listed on file. Thank you for your time and attention.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OH)

I have told the bank over and ove again : Purchases are STILL being made by someone other than myself. There is NO ONE else who is supposed to be on thie card except for me. I am the only one on this card and yet someone is still charing it, even today. I have complainted about this over and over again and Chase still FAILS to address. They need to FIX THIS NOW!!!!! 

They SHARD my information with Chase XXXX XXXX with someone who has Chase XXXX XXXX, BUT I DON't! How did that happen?
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (MS)

On XX/XX/XXXX, I had applied for an IDR plan with the Dept. Of Education, which was received by my servicer, Nelnet, on XX/XX/XXXX and confirmed via email. I have repeatedly received email updates every so often stating that the IDR is still in process but that it is not yet completed. 

On XX/XX/XXXX, I had called Nelnet to attend to a different issue, and asked about my IDR plan approval while I was thinking about it. I was told that it still was in process. The miss I was speaking with was nice enough to suggest that I submit income verification to Nelnet to try to speed up the process, but she could not provide any more information. 

It has been approximately two months request, and I need this request to be processed, otherwise I risk unnecessary financial strain.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I asked specific questions. I got no answers at all. Let 's try again.

1. What will it take to close down a loansharking business like Capital One?

2. How is a pre-approved credit card offer at 24.99 % to 27.99 % reasonable, respectable, or a good thing for any prospective customer? How is this even ethical?

3. How is charging fees for late payments, insufficient fund payments, yearly subscription, or any other fee more than 200 % over actual processing charges reasonable?

4. What laws do you use to loan shark?

5. What will it take to remove or mark my personal information so it is not used or distributed to partners or other businesses permanently and require my express written permission to be used at all by anyone? 

I submitted a complaint and Capital One responded by refusing to answer my questions and only removed my personal information from Capital One 's contact list for 3 years. They refused to contact their partners to do the same. 3 years is unacceptable, and not contacting their partners unethical and irresponsible.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am sending to follow up on my previous complaint regarding errors in my credit reports. I have observed that no deletions have occurred as requested. I am planning to update my credit reports once more within the next 15 days. I am earnestly requesting that the Credit Bureaus promptly remove the following items from my credit reports, as mandated by the FCRA section 605b, which requires Credit Reporting Agencies to remove any items listed on an identity theft report. Items requiring removal within 15 days are as follows : XXXX : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} EQUIFAX : XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, The reason for filing this complaint with your agency is to request your assistance in resolving the issue TransUnion Consumer Relations refusal to accept my request for investigation mailing my complaint form by U.S mail. They stated in a document I received through XXXX XXXX that my dispute must be submitted using TransUnion website or they will not investigate. I am requesting your assistance in helping to investigate the issues and violations into the refusal and retaliation against to reject any request.