davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (CA)

In XXXXXXXX XXXX XXXX I was given two mortgage loans on my home an 80 % 1st and 10 % 2nd mortgage with XXXX. The XXXX loan balance was {$99000.00}. In XXXX I was unemployed and I fell behind on payments on the 2nd mortgage, and my home had negative equity at the time. In XXXXXXXX XXXX XXXX XXXX XXXX the new servicer, sent me a settlement letter for {$7900.00} to close the account. I called to get further instructions on how to send the payment but then was advised they could not take payment, the account would be charged off and the lien on my home would be released. No further payments would be due. The loan was charged off in XX/XX/XXXX but I never received the lien release. 

In XXXX I did file for Bankruptcy XXXX XXXX and included the debt. Within several months I received a notice from XXXX XXXX XXXX that they now owned our loan. I contacted them several times during XXXXXXXX  about the release on the 2nd lien. They claimed to have no record of the settlement or release on my loan from XXXX or XXXX XXXX. I was advised to sell the home in a short sale and settle the balance, something I couldn't do. I never received any monthly bills from XXXX, only an annual privacy statement. 

Then in XXXX I received a notice from Real Time Resolutions as now the new owner of my account. I contacted them and was told my balance was {$99000.00} and the monthly payment would be {$420.00} per month. They began to send monthly statements. They asked I start making monthly payments immediately or my home could be foreclosed upon. I sent them the {$420.00} in XX/XX/XXXXXXXX XXXX  per the monthly statement, but the following month the payment didn't show it was applied, it said placed in a suspense account. I called them to ask why the payment went into a suspense account and they told me the balances would be updated and to keep sending the amount of {$420.00} per month. I did not make any more payments. Soon after the new statements showed I was past due over {$60000.00} and the new monthly payment was {$1200.00} per month. I again called them and was told the best option was to send that monthly payment or to sell the home and they would consider a short pay. 

This account should have been closed and the XXXX released back in XXXX. However the servicing rights continue to transferred and I have not been able to resolve the account. This is the only home I own, and selling isn't a viable option for me and my children.
Consumer complaint received 2023-09-25
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: EQUIFAX, INC. (VA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-23
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. (TX)

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 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. Or list of inquiries XXXX XXXX XXXX  section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX person shall not furnish XXXX  information relating to a consumer to XXXX  consumer reporting agency if the person knows or has reasonable cause to believe that the information is XXXX.
Consumer complaint received 2023-12-23
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)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-23
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)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-14
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. (NY)

There are a few accounts listed on my file that I do not have knowledge of them. There are also list of names and address that is not my name or addresses and never went by those names or lived at those addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX Never late XXXX XXXX XXXX Account number XXXX Never late
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The US Department of Education has not hired XXXX XXXX to service this federal consolidation loan orginated by the University XXXX XXXX XXXX on XX/XX/XXXX for a XXXX XXXX in the amount of {$49000.00} now reporting as {$80000.00}. This why XXXX XXXX has not supplied the federal student loan accurate payment history from XX/XX/XXXX until XX/XX/XXXX to the credit reporting agency. The credit reporting agency is not reporting month by month payment history of this federal student loan from XX/XX/XXXX until present. I have not made any payments and not requested any deferment or foreberance. The credit reporting agency and XXXX XXXX is not reporting this defaulted federal student loan month by month payment history. The CRA are required to report the complete accurate payment history month by month of the federal student loan.I wrote XXXX XXXX that I am not paying a XXXX on their federal loan terminated by the US Department of Education XXXX XXXX on XX/XX/XXXX. The Fair Credit Reporting Act, CFPB and I request the CRA to report on my online credit report the complete accurate payment history of federal student loan from XX/XX/XXXX until XX/XX/XXXX immediately. Transunion and XXXX are In violation of the Fair Credit Reporting Act and the CFPB for not reporting the complete accurate payment history of the federal student loan accoun tand must remove the account immediately. If the CRA have any problems. The CRA to address their concerns to the legal furnisher of the account the US Department of Education XXXX XXXX.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (FL)

I am writing to file a formal complaint against Affirm, Inc/Affirm Holdings , Inc. regarding negative remarks on my credit report without my consent, citing violations of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. Specifically, I reference the following sections of the FCRA : * 15 USC 1681a ( 2 ) ( A ) ( i ) - Exclusions : " A consumer report does not contain a report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Late payments and credit utilization would fall under the category of experiences, and, therefore, their inclusion on my credit report is in violation of this provision.

* 15 USC 1681a ( 3 ) - Unauthorized Reporting : Affirm assumed the role of reporting my credit information without my explicit permission or consent. This action infringed upon my right to privacy, as outlined in 15 USC 1681a ( 4 ). The company also failed to exercise its responsibilities fairly and impartially and did not have a permissible purpose under 15 USC 1681b ( 2 ) ( A ) to furnish this report, as I never instructed them to do so. Affirm had violated & continues to violate my consumer right to privacy.

* Affirm is also in violation of 15 usc 6802 ( d ) titled : Obligations with respect to disclosures of personal information. Which states that A financial institution shall not disclose an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.

* Furthermore, I emphasize that I relied on 15 USC 1666b, which governs the timing of payments which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

* Moreover, Affirm additionally violates 15 usc 1692e for making false and misleading representations on my consumer report as they marked my accounts charged off. Affirm has also violated 15 USC 6802 ( b ) obligates creditors to provide disclosures to opt-out of the disclosure of non-public personal information to non-affiliated third parties. Affirm failed to adhere to ALL of these statutory requirements.

Additionally, It is my understanding that according to the IRS, a charge-off is considered income, and the appropriate tax documentation, such as a Form 1099-C, should be issued. Affirm has never dispatched me a 1099-C form to me As a result, the " charged off '' status on my credit report needs to be removed immediately. All accounts by Affirm needs to be removed completely from my credit file.
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To Whom It May Concern, I XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 
XXXX. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated 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 an account without written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

It also states a consumer reporting agency can not furnish an account without my written instructions.

DELETE this immediately or I am prepared to FOR LITIGATION Sincerely, XXXX XXXX
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion reported that it received information from the bankruptcy court which is not true I received a letter from the bankruptcy court stating it does not report any information to the report agency I mailed a copy of the letter to the reporting agency and they still are reporting inaccurate information which is a violation of FCRA.
Consumer complaint received 2018-12-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I opened a money market 360 account with Capital One in order to obtain a bank account bonus of {$500.00}. The bonus code was : XXXX and the terms were to deposit {$50000.00} or more by XX/XX/XXXX. It did NOT state the balance had to be above {$50000.00}. I completed {$50000.00} in deposits on XX/XX/XXXX. I called on XX/XX/XXXX to see why my bonus had not been paid. They claimed it was because I had not obtained a balance of {$50000.00} even though this was not stipulated in their terms and conditions. The terms and conditions are attached below : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, youre ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-23
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. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2018-12-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I opened a money market 360 account with Capital One in order to obtain a bank account bonus of {$500.00}. The bonus code was : XXXX and the terms were to deposit {$50000.00} or more by XX/XX/XXXX. It did NOT state the balance had to be above {$50000.00}. I completed {$50000.00} in deposits on XX/XX/XXXX. I called on XX/XX/XXXX to see why my bonus had not been paid. They claimed it was because I had not obtained a balance of {$50000.00} even though this was not stipulated in their terms and conditions. The terms and conditions are attached below : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. 
When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). 
If you have or had an open savings product with Capital One after XX/XX/XXXX, youre ineligible for the bonus. 
This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. 
Bonus is only valid for one account Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/23 I opened an online checking account with Wells Fargo. Account XXXX. In order to do this I approved a {$500.00} initial deposit to be taken from the savings account of my current bank, XXXX XXXX. 

After five days neither account showed a pending deposit or withdrawal & I received an email from Well 's Fargo warning me that my account had reached a XXXX balance. It had never left a XXXX balance because the transfer hadn't happened. 

I called Wells Fargo only to find that their automated voice system was doing everything it could to avoid putting me through to a person. After 15 minutes of trying I finally got it to send me to a human by entering a wrong PIN number. I was then told there was a 17 minute wait to speak to someone. When I finally got through I was frustrated and told them that after that customer service experience I now wanted to make sure the deposit was not pending and close the account. They assured me twice ( on a recorded call ) that there was no deposit pending. I asked what would happen if the deposit were sent and they said it would be rejected and returned. So I closed the account.

Of course, about four hours later I see that now the transfer is pending in my XXXX XXXX savings account. I didn't worry about it though because I figured it would be cancelled or returned. 

To date I have not seen this {$500.00} appear back in my account. 

My bank, XXXX XXXX, has at least been helpful to the point of providing me a screenshot from their end showing the money was transferred to Wells Fargo and providing a trace number ( XXXX ) and told me Wells Fargo would need to determine where this money wound up. 

Three calls to each institution over two weeks led me nowhere. Wells Fargo customer service just read from a script and kept saying if the account was closed they wouldn't have the money. I asked them to please take the trace number and try to figure this out, they refused. 

Finally I asked to talk to a supervisor who opened claim XXXX and said they would reach out to me over the next ten business days if they needed more information. Again, this person refused to take the trace number.

Roughly two weeks later I received a letter from Wells Fargo stating they were closing my claim and had determined they did not have my money. Never having reached out to me asking for any further information. 

This letter said if I wanted documentation on the claim and the investigation I should call them and ask to have it mailed to me, which I have done but have not yet received. 

I don't know if XXXX XXXX  or Well 's Fargo has my money, but it's somewhere and I have a trace number which you would think should make finding it easy. But NEITHER bank is willing to take care of the issue much less work with each other to resolve it.
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (MI)

XX/XX/2023 : Received email that mortgage was being transferred to Mr. Cooper by XXXX and given information as to how to create an account. Account was created using instructions that week. 

XX/XX/2023 : Attempted to login to website to view balance and to change bank information to setup a new payment plan with new bank. Unable to login to account. Unable to recover username or password and given the error that my social/loan number/email were not in the system. Attempted to create account again in case an error happened the first time, received error stating an account already exists. Attempted to call customer service, but automated system would not connect without a social or loan #, both of which it stated on the phone were not in the system, automated system would then hang up. Chat function via website not functioning, says no representative available ( this was during business hours ) and does not have an option to join a queue. 

XX/XX/2023 : Have attempted weekly to establish contact via either phone or chat function with no success.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-11-08
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: EQUIFAX, INC. (VA)

To whom it may concern, I wanted my credit report to show only what's correct and accurate. However, I still see those same negative accounts popping up on my files over and over, despite disputing them with the consumer reporting agencies since XXXX. There's even one negative account that's already been removed in XXXX but is still showing up in XXXX and Equifax. How did they miss that information? The fact that they were all reporting to one furnisher of information This incoherent report from them is disheartening on my part because it has lowered my credit scores.