davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Firstly, I would like to state that this complaint does not serve as a letter to request reinvestigation of my disputes. I have given each company listed in this complaint well over the 30-day limit mandated by the Fair Credit Reporting Act. This complaint serves as a demand letter to DELETE all items listed for willful noncompliance. 

I am deeply concerned about the blatant disregard for my consumer rights in the handling of my dispute letters submitted to the three major credit bureaus, beginning on XX/XX/2023. It is disheartening to note that all three credit bureaus have not only ignored my letters but also violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ), by failing to respond within the mandated 30-day period.

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports. The credit bureaus are legally obligated, as per Section 611 ( a ) ( 1 ) ( A ), to investigate these disputes within 30 days and provide a response. I have previously sent failure-to-response letters after 35 days went by with no response, and even those letters have been ignored, proving willful noncompliance.

By neglecting to adhere to this timeframe, the credit bureaus are in direct violation of Section 611 ( a ) ( 1 ) ( A ) of the FCRA, undermining my rights as a consumer. I want to emphasize the gravity of this situation, as it not only impacts my financial standing but also erodes my confidence in the integrity of the credit reporting system.

The inaccurate information on my credit report has far-reaching consequences, affecting my ability to secure loans, obtain favorable interest rates, and even impact my employment opportunities. I urge you to take immediate action to rectify this situation by deleting all items I have previously disputed, as each company is far out of their 30-day window and is now further into violations.

I demand that the credit bureaus promptly DELETE all items listed and provide me with a written confirmation of the corrections made. I am well aware of my rights under the FCRA, and I am prepared to take further legal action if necessary to ensure my rights are upheld.

I expect a timely response and resolution to this matter, as it is not only my right as a consumer but also a matter of upholding the laws designed to protect consumers like myself. Your cooperation in this regard is essential, and I anticipate your swift action to rectify these violations and provide the accurate credit reporting I am entitled to under the law.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION, XXXX is breaking the consumer law pertaining to account XXXX XXXX XXXX XXXX XXXXXXXX I've uploaded documents I need this corrected immediately PAID AS AGREED OR DELETED and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. 
XXXX XXXX CARD HOLDER
Consumer complaint received 2024-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

My mortgage loan was recently originated. The servicing was sold and transferred to Lakeview Loan Servicing. Within their disclosure process, upon transferring ( and in subsequent payment statements ), they have been showing a payoff statement fee of {$60.00}. This is a junk fee of the truest extent and should be considered an unfair and abusive charge under UDAAP.

I didn't choose them as a servicer, so I could not avoid this as an expense up front. There is a reasonable expectation that borrowers will refinance their loans during the life of the loan, in particular when rates are as high as they are. Thus, I was clear even during the originations process that I had planned to refinance the loan once the entirety of the process was completed. Once again, when you put these 2 items together, it is not reasonable that this is an avoidable fee given the line of work they are in. This is a true junk fee that should not be permitted to be charged. 

Most mortgage borrowers refinance their loan during the life of the loan. This is a common practice and borrowers should not be discouraged or prevented from doing this due to unfair fees being charged, of which, I'm sure have some level of discriminatory impact.
Consumer complaint received 2023-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX didn't correct wrong information concerning an Auto Loan with XXXX XXXX XXXX XXXX. The loan was NOT part of the bankruptcy, document provided. XXXX XXXX XXXX XXXX will not correct the error. I have sent documents to XXXX ( bankruptcy record and open Auto loan account ) loan is open and is being paid consistently on time with no delinquent or late payments. I have been denied housing because of bad credit including the incorrect item.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (AZ)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Innovis is consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " In general Subject to any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Innovis do not have my consent to furnish my information and they surely do not have my written consent. Any and all consent to Innovis whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Innovis never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Innovis is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I exercised this right on XX/XX/XXXX and Innovis has still continued to compile a list of my information without my written consent with the latest update being reported on XX/XX/XXXX. Innovis has shown clear evidence of willful none compliance pursuant to 15 U.S Code 1681n
Consumer complaint received 2023-12-17
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am writing to request the removal of certain accounts from my credit report. After a careful review, I believe the information related to the following accounts is inaccurate : Accounts are paid in full. XXXX XXXX # XXXX date XX/XX/2023, XXXX XXXX # XXXX Date XX/XX/2023, XXXX XXXX XXXX XXXX # XXXX Date XX/XX/2023 Enclosed are supporting documents received from the company for your review. I request a prompt investigation, verification, and update of my credit report in accordance with the Fair Credit Reporting Act. Thank you for your attention to this matter.
Consumer complaint received 2023-11-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

I seen a collection account on my XXXX credit report. I never signed or agreed to any terms or conditions on my behalf with Transworld System.

They are a debt collection company, trying to collect a debt that i do not owe to them.
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (SC)

I tried to work with the servicing company for WF for several years before i lost my house. I was one of the customer that got caught up in the predatory lending scandal and i could never get my loan modified with WF for some unknow reason. This resulted in me loosing my house. I am not sure under this lawsuit if I am eligible for any any funds but please look into this for me and/or direct me to who can help if its not you. It has been a number of years but there is something that could have been done for me on WF part of the deal being my lender.
Consumer complaint received 2023-09-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (OR)

I have contacted Edfinancial 5 times in the last month to be removed from the IDR plan ( {$260.00} a month ) and placed back on the Standard Plan ( {$58.00} a month ... maybe I've gotten multiple quotes all much lower then the IDR plan ). I tried contacting them once by email in mid XXXX with no reply, once by chat service around XXXX when they said they would change the plan but it was never changed, a few attempts by chat service between XX/XX/XXXX and XX/XX/XXXX, once by phone on XX/XX/XXXX when the customer service guy said he saw the previous request for a plan change was still pending and that he would do it again. He said it would take 2-3 days to process but it's been over 5 and I'm still on the expensive IDR plan. I called XXXX to follow up and was placed on hold for over 8 hours couldn't get through to anyone. So I followed up with an email on XXXX ( not even a confirmation of receipt of email was sent either time I emailed them ). I've tried the chat service multiple times between XX/XX/XXXX and XXXX and it's always unavailable. 

They did not disclose how expensive the IDR plan would be before placing me on it. I assumed they would tell me the savings or tell me I don't qualify for a lower payment. Instead they enrolled me without my permission and now they are not letting me go back to the standard plan that is more affordable. This should not be this difficult and I refuse to pay 6 times more on the IDR plan. I would have NEVER agreed to if they had disclosed how much it costs. I can NOT afford {$260.00} a month payments! I will loose my house and my job if they don't fix this ASAP.
Consumer complaint received 2023-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (TX)

The balance on my 3 credit reports do not include any deferred payments due to loan modifications or forebearance nor is this money on my payoff quote nor mortgage billing statement. There is no indication on the billing statement that Hud is a third party servicer that was owed the deffered payments nor is there a contact number to inquire about any Hud transactions. 

Any monies owed to HUD have not been continuously disclosed to me the consumer by Wells Fargo or Hud. 

Furthermore, the loan modification calculations need to be reviewed for any discrepancies. 

In addition, any overdraft fees that were accrued need to be reviewed if there were any errors with these charges.
Consumer complaint received 2023-05-27
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: EQUIFAX, INC. (TX)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

it is my understand that a credit card account can not be deemed over the limit solely on the imposition of interest on that account ( 1026.56 ( j ).

All of the other credit cards issued by banks appear to comply with this interpenetration of this rule except this one. 

Their response did not make sense to the complaint and copies presented were in a font of a copy so small as to be unreadable under normal vision.
Consumer complaint received 2023-12-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management called my XXXX  and disclosed my debt and account number. They also told my XXXX  that an attorney would show up at the door if she didn't setup a payment plan.
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (FL)

XX/XX/XXXX. {$3300.00}. They said to contact the original company. I called XXXX. They want a form called Identity Theft Claim to prove my Identity when they can verify my identity with my credit history. The company works in the states of Massachusetts and New Hampshire, and I have never lived in any of these states. They also work in the state of Connecticut, which I have not lived or visited since I was born. I will submit the requested documentation, but the company should be warned about identifying their client properly. This is a trouble for an actual person like myself who is having an Identity theft problem. I have reported to the following credit bureaus, like XXXX, XXXX, and XXXX, about my situation since XXXX. They still were able to use my identity. 

The documentation below uploaded were my ID, military letter with address, Veterans Affairs letter with address, and the last credit report with my address that never suggests that I live in Connecticut.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

American Express Ref # XXXX I do not think this is a fair transaction. This company utilized my signature ( receivable ) and transferred it into a security. To which this company continues to make a profit on by trading it on the market. Is this why you can not retract my application? I did not receive the charge card that I applied for. Your reason for denial was my XXXX score. Per your perspective filed with the SEC it states you cant verify a XXXX 's score accuracy, so how then can you in turn deny me for this charge card? 


The response provided by American express and I quote " An evaluation of your application was conducted and unfortunately our decline decision remains based on your XXXX score. '' Again this goes against your Prospective filed with the SEC. I think they should be notified that you do not live up to your prospective.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (WV)

Someone used my Social Security number to apply for a mortgage With XXXXXXXX XXXX XXXXXXXX. I contacted XXXX XXXX  XXXX and they stated they are unable to remove the hard inquiry from my credit report. I have disputed the hard inquiry with all of the credit agencies, and they have stated the inquiry will remain on my report for two years. I would like to have this hard inquiry removed, because during my discussion with XXXX XXXX, I was informed by them declined, because I have a lock on my credit, and they determined that it was a fraudulent application. This is not my inquiry, and I dont want it affecting my credit rating. Please take the necessary action to have it removed from my report. Thank you.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (SC)

XX/XX/2023 approximately {$2100.00} was withdrawn from my Chime Bank savings and checking accounts without my authorization. XX/XX/2023 approximately {$2300.00} was withdrawn from my Chime Bank savings and checking accounts without my authorization. I filed disputes with Chime. It determined no error was found in either dispute. I appealed both matters and Chime reported the same findings in both disputes. I reappealed and Chime is currently investigating. I filed a report with the XXXX SC Sheriff 's Department on XX/XX/2023. It filed a finding XX/XX/2023 and issued a search warrant to Chime Bank. The case was turned over to the white collar crime division.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (TX)

My original card expired XX/XX/23, I requested a new card XX/XX/23 first of the month, never recieved, called back end of XXXX requested another card, never received, called back in XXXX and requested a card never received, I have been charged XXXX for annual fee,XXXX for addition user fee, XXXX a month for service fees, a lost card fee, interested at XXXX percent on these charges and I have never once had a card in my possession. The contract states once signing or using the card I agree to terms and conditions of contract, I called to cancel account due to not having a card and their saying I owe them XXXX even though I never had a card to sign or use. Absolutely horrendous customer service and theft of service. Theyve charged me for a credit account I never had the ability to use. I have been bullied by this company and now its affecting my credit unless I pay money for something I never used. Please help me resolve this. This company is XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (CA)

XX/XX/XXXX i received an email from chase credit journey about a new inquiry on my credit report. I checked and there was a credit check coming from lender : nordstrom/td bank usa .

Inquiry date : XX/XX/XXXX. I tried calling the company but in order for them to talk to me i need an account number and i do not have that. I havent applied for anything recently this was not me.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.