davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This notice is a Cease and Desist! XXXX XXXX XXXX unlawfully obtained my nonpublic personal information from Bank of America without my consent. XXXX XXXX XXXX then unlawfully shared my nonpublic personal information to XXXX XXXX XXXX containing information in reference to my 2019 XXXX XXXX XXXX, License Plate # XXXX, VIN # XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX without my prior consent or from an express permission of a court of competent jurisdiction repossesessed my vehicle under the assignment of Bank of America. Bank of America does not have a legal enforceable security interest in the vehicle therefore this is deem as STOLEN PROPERTY! these organizations are using racketeering activity to deprive me of my consumer rights and constitutional rights. see attachments
Consumer complaint received 2024-01-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (MD)

I AM SO ANGRY ABOUT THE TRICKERY OF MY VA LOAN BEING CHANGED TO A CONVENTIONAL AND THE 3-YEAR PAY-DOWN STATUS STRIPED AWAY. I WAS PAID DOWN TO 27 YEARS FROM XXXX TO XXXX. YOU SEE THE VA XXXX IS A LOAN WITHIN ITSELF JUST FOR VETERANS SAYING THAT IT`S A VA TO VA. NOT A VA TO CONVENTIONAL. I HAD ABOUT {$54000.00} OF P & I INVESTED IN THE LOAN UNDER THIS LOAN NUMBER IN THIS PHOTO ( 1. ) XXXX. AND I CAN NOT BELIEVE HOW MANY TIMES I HAVE HAD LOAN # FLIPPED AND STILL FLIPPING. FIRST IT WAS XXXX NOW XXXX. THEN I HAVE FUNDS STOLEN FROM MY EQUITY AND ADDED BACK INTO THE LOAN. IF I DID MISS ANY PAYMENTS INSTEAD OF YOU ADDING MONTHS TO THE LOAN YOU ADDED YEARS THEN ADD INTEREST TO THE PAYMENTS MAKING THE PAYMENTS LARGER OVER TIME BY PUTTING THEM IN YEARS. PHOTO ( 2. ) XXXX. CONVENTIONAL LOANS ARE NOT INSURED BY THE GOVERNMENT. ( 3. ) XXXX. I HAVE HAD NO AMORTIZATION SCHEDULE SINCE XXXX, I HAD A FIXED RATE APR TO THE MORTGAGE. AND MY WIFE NAME CAN NEVER GO ON THE LOAN CAUSE I AM USING MY INTITILMENTS. SHE CAN ONLY BE ON THE TITLE AS THE OWNER THE LOAN IS IN MY NAME. I AM NO MORE CLOSE TO BEING A OWNER OF MY HOME THAN I WAS IN XXXX. I MAKE PAYMENTS AND YOU FIND WAYS TO PUT THEM BACK IN TO THE PRINCIPAL.THIS LOAN IS IN A RESTOR STATUS MEANING THE LOSS OF MY INTITILMENTS AND XXXX XXXX XXXX DID A TRUST NOW MY HOME BELONGS TO HIM. IF I DEFAULT I HAVE TO ANSWER TO HIM NOT TO THE BANK? OR SHOULD I SAY TO HIM AND THE BANK. CAUSE YOU DID A CONVENTIONAL AND HE PAID {$30000.00} THAT`S AFTER TAXES.YOU SWAPPED OUT MY XXXX LOAN JUST LIKE I WAS A FIRST TIME BUYER, AND MADE {$54000.00} DOING IT. MY ATTORNEY AND I ARE DOCUMENTING ALL OF THIS. AND THOSE SIGNED DOCUMENTS YOU SENT ME I DON`T NEED NO FORENSIC TO KNOW THEY ARE PHOTO COPY FORGERY. THAT`S WHAT COMPANIES WITH MILLIONS CAN DO.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-10
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: Bread Financial Holdings, Inc. (TN)

Im currently in the process of trying to buy a home and when looked at my credit report I noticed late payments are reporting which is stopping me from buying my dream home. I mailed this company a letter asking for them to remove the late payment and I received a letter back stating we are unable to make any adjustments to your payment history as requested In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX. Please remove ASAP.
Consumer complaint received 2024-03-21
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. (WY)

In accordance with the FCRA, ( Experian, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX account # XXXX, XXXX account # XXXX, ARCHILDSUPPT account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OK)

Our mortgage company, Wells Fargo, has breached our Mortgage contract, and the attached PUD Rider. Our mortgage allows for HOA or " association dues, '' that do not replace the mortgage security interest, which they do not as Oklahoma is not an HOA Super Lien state. The HOA dues are supposed to be escrowed. This is also allowed for in the PUD Rider. We were sued last year by our HOA in Small Claims Court for HOA Dues that were not dated, and given a default judgment. I filed a Motion to Dismiss, the XXXX XXXX XXXX would not allow it stating that we did not pay a {$76.00} fee that is not listed anywhere. A collection agent is not supposed to be able to use small claims court under 12 O.S. 1751 ( B ), and that is what this attorney is. I was not able to go to court due to a XXXX, but the judge still gave a default judgment, with 850 % or {$2200.00} in attorney fees. My wife went to the hearing yesterday because it was a hearing on assets, but the collections attorney went ahead and put a stay on it. The court put down that the defendant failed to appear. So I'm not sure what is going on with the court. So the court and HOA 's attorney both have violated Regulation F. Wells Fargo has breached our mortgage contract, which is the point of this complaint. They have breached their duty of good faith by causing my wife and me undue stress with this lawsuit. We have written them, and they have sent us back 2 or 3 letters. I know the Plaintiff 's attorney wrote them because Wells Fargo sent us a letter telling us that they received a letter from him. We never heard what happened. I called Wells Fargo multiple times, and one time I was told, " sir, this is not our problem, you need to pay this. '' It is their problem. We don't owe these HOA dues, and they need to get this young man off of our backs. The small town Court could care less what we have to say. I'm copying our title company. I'm making a claim for title insurance. I found that the day our title insurance was taken out, the builder 's mortgage had not been paid off until the next day, XX/XX/XXXX. Wells Fargo did not make their title change until XX/XX/XXXX. The Homeowner 's Association made a huge change to the covenants in XX/XX/XXXX and completely changed them. Our household was not notified, and several others that I have talked to were not notified. The new document is very discriminatory, takes away all voting rights, and makes it to that 2-3 board members can do whatever they want in the name of common areas that are not even close to my house. They are also fining people for things done on city streets and their own properties. This puts an undue burden on the title. I'm putting a claim on the title insurance for the full amount. I also am claiming a breach with Wells Fargo.
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (NY)

Continuance of complaint # XXXX. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL. 
NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

On XXXX XXXX MRS BPO , LLC attempted to collect an unvalidated alleged debt. 
On XXXX XXXX MRS BPO , LLC attempted, for a second time, to collect an unvalidated alleged debt. 

On XXXX XXXXXXXX XXXX XXXX XXXXXXXX made a request for validation of the alleged debt, to which MRS BPO , LLC could not respond to adequately. 
On XXXX XXXX MRS BPO , LLC responded by saying they would no longer attempt to collect the debt, but did not respond with what was requested in the debt validation letter. 
On XX/XX/XXXX ( within the same response by MRS BPO , LLC ) - MRS BPO , LLC stated, " MRS denies any suggestion that it violated collection laws or any other laws described in this complaint ''.

MRS is now being given 2 options, Respond to the Debt validations, in full, or pay the attached violations in the pdf attached to this complaint. They have 30 days to respond. Proof of their violations have been recorded and submitted to the CFPB.
Consumer complaint received 2023-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (OR)

My mortgage, serviced by NewRez ( and previously XXXX XXXX XXXX XXXX refuses to acknowledge receipt of and properly apply my BPO to my PMI removal request. 

I had an ongoing PMI removal process APPROVED by XXXX XXXX XXXX, under final review when NewRez purchased the servicing of my loan. This process too 20+ phone calls in total, due to the following. 

They repeatedly refused to acknowledge the existence of the XXXX, and kept sending me new BPO request letters, as if the original valid BPO was lost during the move. 

Even after paying the exact amount XXXX provided to me to pay for PMI removal ( lump sum oXXXX XXXX  ) and getting a valid BPO, they refused to acknowledge it and remove the PMI from my mortgage. 

Additionally, NewRez has no message portal where users can view their sent and received messages, and their mortgage servicing department can't even see the messages you sent! This leads to messages being sent into the void, with NewRez servicing constantly gaslighting users about what messages they did or didn't send and what was uploaded.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX and I am submitting another CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need the following items removed from my Credit File : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00}. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent TransUnion an AFFIDAIVT THAT ALL BILLS ARE PAID on XX/XX/. I advised them that they where in violation of my privacy rights because I did not nor have I ever given consent for any of my information to be disclosed to any entities. Therefore they must cease and desist with any further privacy violations. And if they continue to violate my privacy rights that I will be forced to take legal action against them. I also stated to them that all accounts must be changed to in good standing.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (FL)

I set up a bill payment from my XXXX XXXX account with a delivery date of XX/XX/XXXX  My American Express bill is due on XX/XX/XXXX  The records on the XXXX Website state : " Delivery date XX/XX/ Your payment will be debited on XX/XX/XXXX XXXX two business days prior to your delivery date. '' The records on the Amex website state the payment wasn't received until XX/XX/. I was hit with a late fee from Amex of {$29.00}. I was also charged {$76.00} in interest. I called American Express and they refunded the late fee as a courtesy but will not budge on the interest. They are claiming that they don't hold payments, they claim the payment wasn't delivered until XX/XX/. I spoke to a customer service agent via chat and a supervisor via chat as well on XX/XX/. I then spoke to XXXX and explained the situation, and they are claiming they sent the payment on XX/XX/. I spoke to a customer service agent via chat and a supervisor via chat as well on XX/XX/.
Consumer complaint received 2023-12-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (PA)

I received a phone call on XX/XX/2023 at XXXXXXXX XXXX  from the Afni subrogation department, during which a representative of the company essentially threatened the suspension of my driver 's license and registration if I do not pay the debt that they allege that I owe. The phone call was an attempt to collect on an alleged debt, and the representative tried to use scare tactics to motivate me to acknowledge and pay said alleged debt. It is my understanding that this is not a legal practice by collection agencies, and according to section 807.5 of the Fair Debt Collection Practices Act, the threat to take any action that can not legally be taken or that is not intended to be taken is a violation of this section. I believe that the representative of Afni collections violated the FDCPA by repeatedly suggesting that my license would be suspended if I failed to acknowledge and pay the alleged debt.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the FCRA, I requested proof that the information was verifiedXXXX XXXX XXXX XXXXXXXX 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 my I.D . Thank you for your time and attention.
Consumer complaint received 2023-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

I received a text message on XX/XX/2023 with the following : " Please contact MRS BPO , LLC at ( XXXX ) XXXX regarding a matter for XXXX XXXX MRS is a collection agency. If you want to opt out of future text messages reply with STOP. Visit us at : https : //portal.mrsbpo.com. To see important rights and information, click mrsbpo.com/state-disclosures ''. However, I have never opened an account or done business with XXXX. I reached out to XXXX  who were able to confirm that I have never had any accounts or debt with them. I went to the link provided in the text and entered my phone number and the last 4 of my SSN, and the MRS BPO site also showed that I do not have an account with them. Entering this information was required for me to view details of the alleged case because the other options were to provide an MRS account number or a Creditor account number which did not exist. I am worried that I have already provided too much information to this company, which is why I did not reach out to them directly. I replied STOP to the text message to stop receiving messages, and was sent an automatic response saying I was successfully unsubscribed. I am worried about this false claim being sent to credit bureaus and affecting my credit. I am filing this complaint to keep a formal record with a reliable third party that I have never had debt with XXXX and any attempt by MRS BPO , LLC to collect on such debt or to report it to any credit bureaus is fraudulent.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX please 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.