davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX 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 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX # XXXX for XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last activity date, and much more are 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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error -The creditor 's mistake in not accurately showing a payment or credit that the consumer made on their account statement.

-A billing error under the Fair Credit Billing Act ( FCRA ) that is caused by a creditor 's computational or accounting mistake. 
Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide consumers with at least 21 days ' notice before reporting a late payment. Since I did not receive this notice, I am demanding to see hard evidence from the creditor 's bank account that I did not make the required payment and that the late payment was in error. 
I request that the following items on my credit report be updated to reflect that they were paid as agreed. 
1. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. This late payment status is irrelevant XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts on this letter updated immediately. If you do not comply, I will file a lawsuit in small claims court in my city and state seeking monetary damages for your violation of my rights. 

Sincerely, XXXX XXXX XXXX Please see the attached file.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT ED/AIDV Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2018-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hello my name is XXXX. I recently had a change of mortgage companies. My original loan was with XXXX ; XXXX XXXX XXXX. Ive always paid my mortgage through the automated service which is linked with my bank account. There is no fee and its not set up for autopay. I would simply call around the time my bill is due and submit my payment. Yesterday i called XXXX on XX/XX/XXXX and they did not accept my payment because they sold my loan to a new company which is Mr.Cooper so i then called Mr.Cooper and they are charging me {$14.00} for the same transaction which has always been free for me. Why am i now obligated to pay this new fee every month! Please help. They have forced a new bill on me which wasnt my choice. My options have now changed because of this. Also i dont want autopay set up. There is no charge there, but its not an option i am interested in. I dont mind paying my mortgage but why this high fee? Id like it to be removed or it reduced dramatically.. maybe {$2.00} but still ive never had this fee. Companies shouldnt be able to charge a new or higher fee then the previous company. It just isnt right.
Consumer complaint received 2024-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

I am enrolled in the XXXX plan with a monthly minimum of {$0.00}. According to my plan information, no interest will accrue for all loans, including unsubsidized, while my plan minimum is met. My plan expires XX/XX/year>. I received monthly statements for {$0.00} regularly, with the most recent being XX/XX/XXXX. Without any communication from my servicer Aidvantage, XXXX loans started accruing interest. I only found out because my XXXX XXXX plummeted and my card company called me. I still can not confirm the start date of the accrual of interest, but it looks like it was XXXX of 2024. I have requested a refund and have received no further information from Aidvantage. All loans I have were included as eligible in the XXXX plan I am enrolled in. I have also filed a complaint with the XXXX.
Consumer complaint received 2018-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I submitted a complaint to cfpb ( Complaint Number XXXX ) a couple months ago. It concerned Mr. Cooper increasing my mortgage payment from $ XXXX/month to $ XXXX/month. cfpb was able to correct this matter BUT Mr. Cooper only complied for the year ending XX/XX/XXXX. Mr. Cooper did not refund the excess escrow amount on the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I sent Mr. Cooper ( AKA Nationstar ) a letter by certified mail # XXXX XXXX XXXX XXXX XXXX requesting that they re-evaluate my mortgage. They did not respond. 

A again I seek your help in having Mr. Cooper refund the excess escrow for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-03-18
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. (AL)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Mr Cooper sends warnings that my mortgage has not been payed. I submit proof that it has been paid. An email arrives announcing that the monthly arrived. I receive letters and emails every month stating I owe the payment plus late fees. However, the payment is taken directly from my checking account twice a month by XXXX  and I show proof of the deductions every month.

I sent a certified letter to customer relations asking for help. There has been no reply.

I refinanced last XX/XX/XXXX. The previous lender Mr Cooper and XXXX deducted the payments prior to refinancing.

I just received a letter stating that a transaction on my account has resulted in us placing funds in an unapplied funds account. 
Account number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is fraud they have not fixed my fraudulent debt owed and attempted to call me several times I did not answer nothing has changed I have collection pending with an additional charge of {$11.00} dollars fraudulently charged on account. They're are in cahoots with these debt collection agencies to collect debt fraudulently. Transunion Is the only company showing have debt! XXXX and XXXX show excellent credit. Transunion continues to circumvent the law they need to be shutdown forever.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (IN)

I have attempted to close this account because I have never received a card or any account information from this company but they keep charging fees to the card I have never received. I have paid my balances in full and they still have not closed at my request.
Consumer complaint received 2024-05-17
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC (FL)

This company has entered my property, without legal warrant or cause, violating my 4th amendment rights and violating my property by illegally touching and disabling it it without notice or fair remedy. I want them to be heavily fined. They also must issue a UCC termination. Failure to do so will have them taken to court and suing for violation of my 4th amendment rights.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

It's been over 60 days since I asked for an initial investigation and 30 days since my follow-up letter to dispute inaccurate information on my credit report. I have been ignored and Experian, XXXX, and XXXX refuses to address and solve my issue. This is violation of my rights according to 15 USC 1681i. Then my payments are inaccurate nor comply to 15 USC 1666 nor did I give written consent.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

Chex system has violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-03-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (TX)

XX/XX/2023, I reached out to XXXX XXXX health to set up a payment plan on a bill that i though insurance was suppose to cover. This was after Wakefield and Associate had reached out indicating my account was in collection. I reached out to XXXX saying my Insurance should able to cover the ambulance ride, that was only then i was told the insurance did not cover it. After which set up a payment plan with XXXX. 

On XX/XX/XXXX, 5 months later after I have been making payments to XXXX XXXX Wakefield and Associate puts my account into collection. 

I called and explained the issue and they wanted proof of my payments which i sent. I reached out to XXXX about the situation. 

Wakefield and Associates still insist this account needs to be paid to them and all attempts to get them to remove the collection has proven futile.
Consumer complaint received 2024-03-18
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. (NJ)

I do not recognize these XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This information is incorrect XXXX XXXX XX/XX/XXXX This inquiries were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX
XX/XX/XXXX

LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
DEAR COMENITYBANK/VICTORIA,

THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XX/XX/XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E XXXX XXXX XXXX XXXX )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX XXXX XXXX XXXX ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX XXXX XXXX XXXX IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT;

1.COMENITYBANK/VICTORIA XXXX

IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

SINCERELYXXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

I purchased a secured Credit Card with U.S. Bank called Altitude GO. I have made all my payments on time and still have credit left on my card which they have blocked for no reason and are not allowing me to access my remaining credit which is my money. Please note, U.S. Bank is not extending credit to me. I am basically paying interest on my own money so I could use this higher limit card to help improve my credit score. I put {$5000.00} on the card so in effect U.S. Bank is taking my money that I still have on my card by not allowing me access to it and I have not received a check for my money that is still on the card. I haven't received any letter that they are going to pay me what they owe me, only that they are going to close the account for no known reason. I believe they are doing this to profit illegally off of the consumer. Since I put {$5000.00} of my money on the secured card and there is about 10 % of room left on the card I am presuming that because I'm a retired senior, they are thinking that I won't take the time or be bothered to try and collect the remaining {$500.00} of my money. This isn't the biggest issue, however, because if they refuse to return my remaining funds, I can proceed to collect my money in small claims. The biggest issue is that they have begun to ruin my credit score which has already been damaged by the locking and closure of this card. I noticed that The Bureau previously found that U.S. Bank violated the Fair Credit Reporting Act and that the banks conduct likely caused substantial injury in the form of fees as well as negative effects on consumer-credit profiles. I also read that U.S. Bank was ordered to stop its unlawful practices and to compensate consumers harmed by it's actions. I would like to remind the Bureau that this bank is continuing to harm consumers, including senior citizens like myself who have done nothing wrong nor committed any fraud. They have ruined my credit score which was increasing before they locked and closed my card as well as 4 other accounts I had in good standing including a {$50000.00} CD account of which I currently have another complaint on file. The Bureau should really take a close look at how this bank abuses it's customers, their funds, and their credit. I am just grateful that the majority of my inheritance, which is a large amount of real estate equity, will be invested with my new bank which has been absolutely great, considerate and professional to deal with. It's a shame that U.S. Bank can't conduct itself with the same integrity. Especially when part of their name which symbolizes our country being the United States, while ironically the bank completely ignores upholding the U.S. Constitution by treating it's customers unethically and unlawfully.