davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-10
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 my written instructio
Consumer complaint received 2023-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

Our home mortgage is with Nationstar Mortgage, dba " Mr. Cooper '' ( " XXXX '' ). There is an extensive history of XXXX cheating its customers, including XXXX recently brought by CFPB that resulted in XXXX paying out $ XXXX in restitution ( Case Number XXXX ). Looks like they are at it again. Maybe CFPB is already aware of this scam. 

The brief History is that I recently Re-Fied, and my loan went thru a couple of sales, finally winding up with XXXX about a year and a half ago. Starting 6 months ago XXXX initiated a cyclical process of asserting that " their records showed '' my insurance to be lapsed of deficient. I would respond, submitting complete evidence of insurance, and after a bit of back and forth, I would receive a statement that the matter had been resolved and " no further action was needed at this time ''. After a couple of weeks, the cycle would repeat. This happened 3 times, and then XXXX 's suddenly purchased unnecessary insurance, and did this immediately after one of its " all is resolved '' letters. This resulted in a substantial increase in my principle, by the cost of the insurance, and the funding of a bogus escrow account. My monthly mortgage invoice has increased by a bit over {$100.00}. 

I submitted a very detailed and documented complaint. XXXX responded, and in my opinion just dug their hole deeper, doubling down on their fraudulent assertions and threats of extortion. I have answered that with an even more detailed response. 

I will do my best to submit all the relevant files as ZIPs, which should preserve folder structure. But given the 10MB size limit, it might be several zips. I hope I don't time out while I am putting all that together. OK ... 6 ZIP files ( of PDFs ) coming... 

FIRST COMPLAINT zip files : Demand Letter Exhibit ABCEF Exhibit D -- ( Insurance Purchase ) Part 1 Exhibit D -- Part 2 Exhibit D -- Part 3 SECOND COMPLAINT zip file : Second Complaint Thank you kindly for taking this matter on, and I eagerly look forward to your response.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to request your compassionate consideration in removing the late payment entries on my credit report, which were directly attributed to the unprecedented hardships I faced during the national COVID-19 pandemic. 

Like millions around the globe, the pandemic significantly impacted my financial stability, hindering my ability to meet my financial obligations on time. During this period, I endeavored to manage my finances to the best of my abilities, prioritizing the well-being of my family and striving to stay afloat amidst the turmoil. 

The unexpected job losses, reduced hours, and the overall economic downturn caused by the pandemic placed immense pressure on my financial resources. Despite these challenges, I have since made a steadfast recovery, ensuring that all my bills are paid promptly and maintaining a responsible financial stance. 

I kindly request that you consider the extraordinary circumstances that led to these late payments. The removal of these entries from my credit report would significantly alleviate the lingering burden my family and I continue to bear, offering us a chance at financial recovery and stability. 

I understand the importance of credit obligations and take full responsibility for my financial health. Since the challenging times of the pandemic, I have demonstrated a consistent and timely payment history, reflecting my commitment to financial responsibility. 

I respectfully ask for your understanding and favorable consideration of my request. Removing these late payment entries will not only significantly impact my life and that of my family positively but also accurately reflect my current financial responsibility and commitment to upholding my obligations. 

Thank you for taking the time to consider my request. I am hopeful for a positive resolution.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a formal complaint against TransUnion for inaccurately reporting my USDOE/XXXX  account ( # XXXX ). Specifically, the account is incorrectly stating that I have never been late, when in fact, this is false. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate reporting of my credit information. TransUnion is currently in violation of this statute by reporting incorrect and misleading information regarding my account payment history. 

I request an immediate investigation and correction of this account. Failure to comply will result in further action as provided by law under the FCRA for reporting inaccurate information.
Consumer complaint received 2024-04-02
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. (NJ)

I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2023-09-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Consumer complaint received 2024-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (SC)

The original credit card accepted, then reversed payment without refunding the payment and offered no explanation and closed my account.

They then sold off my account for collections to multiple collectors while still attempting to collect on their own I have had this collection removed several times and then they just refile it again
Consumer complaint received 2023-09-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : AgencyXXXX XXXX XXXXXXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

XX/XX/22 fraudulent activity took place at XXXX. Someone hacked into our online account, reported previous month ( cleared ) charges as fraud to obtain a " provisional credit '' up to {$830.00}, got the credit and transferred the monies to another account ( in the name of XXXX XXXX ). They also attempt to obtain a loan through NFCU. We have gone back and forth with NFCU and are being told they can not provide us with any information, this was not fraud etc. The initial charges they requested the provisional credit for had already been cleared a month prior and this was acknowledged they were in fact his, the dispute is ; we DID NOT request these to be reported as fraud online, we DID NOT transfer the " provisional credit '' to another account, we DO NOT know the person listed on the transfer and we DID NOT request a loan. They have not corrected the hard inquiry that is on his credit report. The primary account holder is a XXXX XXXX XXXX  and in the XXXX XXXX XXXX. NFCU has moved the negative balance to the new active account and is making us responsible for the monies instead of going after the people. NFCU is NOT providing us ANY information about the matter other than its not fraud and they cant tell us anything.
Consumer complaint received 2024-09-19
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. (OR)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP (OR)

I opened a U.S. Bank Credit Card in XXXX. They offered a fraudulent promotion that few people could use. It was an Altitude Connect Visa CarXXXX for which I was offered a XXXX limit and had to spend XXXX in three months to get their offer. I realized that I couldn't get the offer without going over my usage. So in XXXX, I had a bill for which I had to pay. The bill was for roughly XXXX I paid for bill with the credit card XX/XX/XXXX. Because I knew my due date was XX/XX/XXXX and statement date was XX/XX/XXXX, I knew I had to pay off that balance immediately. I paid XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and I received an XXXX alert thar my usage has increase. I call on the phone to resolve the matter. Nothing was resolved. My current balance is XXXX and has been that way since XXXX. I am disputing the amount reported by US Bank and for them advertising something clearly would cost a consumer to use. A XXXX point drop on a credit report takes years to address.
Consumer complaint received 2023-09-10
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc. (GA)

Notice, That XXXX XXXX is Trying to Collect on an Alleged Debt thats Not even a Debt from XXXX. The Amounts they Claim I Owe them Have been filed with Taxes and Makes that Account Income and Income Doesnt Report to My Consumer File. Ive Never Authorized or Gave them Any Permission to Furnish or Communicate With Non Affiliates Regarding my non public information they Breached my Privacy and Now I dont know who Has my Personal Information. Delete and Remove the Account from my Consumer File immediately From Experian, XXXX XXXX XXXX. They even tried to collect on this Account and they havent produced any Documentation of a Legal Claim Nor have I Validate the Accoutrements
Consumer complaint received 2024-10-17
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 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I opened account with XXXX XXXX XXXX in XX/XX/XXXX and refinanced it in XX/XX/XXXX for no reason they are reporting a 90 day late on my credit report on XX/XX/XXXX. I couldn't have been late and refinanced and I have documentation showing all of those payments are made and the person I spoke with on the phone admitted no payments were missed but the late remains on my credit bureau. After I refinanced it and pulled more money out they started a new account and sold my account to XXXX XXXX XXXXXX/XX/XXXX and XXXX it a merger. When they did this merger I was unable to log into their online site to pay my bill that month and when an account is transferred like this they are not supposed to report late payments because of issues like this. I was out of the country and only had access online and was unable to utilize their online services. They reported another 30 day late which is stopping me from being able to refinance this account. I need CFPB to aid in removing these lates from my credit bureau so I can get away from this company and their incorrect reporting issues.
Consumer complaint received 2024-10-17
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. (IL)

TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : XXXX XXXX XXXX Account Dispute Dear TransUnion Dispute Department, I am writing to formally dispute a fraudulent account on my credit report. The account in question is with XXXX XXXX XXXX XXXX, with an account number ending in 3605. I have attached documentation from XXXX XXXX confirming that this account is fraudulent and does not belong to me. 

Please remove this account from my credit report immediately, as it was opened without my authorization and is negatively affecting my credit standing. 

Thank you for your prompt attention to this matter. Please confirm in writing once the account has been removed from my report.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX and I am filing yet another report for the inaccurate reportings from the credit reporting agencies. I have ask them to provide proof of this inaccurate accounts. And they have failed to do so. Its been well over 55 days. So at this point I am demanding that these accounts be removed for failure to provide the accurate information on these account. This is not a third party filing this complaint.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 my written instructions
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (DE)

I got the letter ( XX/XX/XXXX ) from ONLINE information service is a debt collector. It say it is trying to collect a debt that I owe to XXXX XXXX XXXX {$1300.00} with account number XXXX on XX/XX/XXXX. I called ONLINE information service about the letter and she said I reside in XXXX, Texas. I didn't ever live in XXXX, Texas and never been an account of XXXX XXXX XXXX. I live in XXXXXXXX XXXX so far and also I have lived in XXXX XXXX all the time.
Consumer complaint received 2023-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Denefits LLC (NC)

On XX/XX/2023 I made a small payment of {$50.00} due to saving money for my XXXX XXXX XXXX sons XXXX. Ive explained this to the company. The representative let me know that on XX/XX/XXXX I will receive a follow up call but instead a payment was taken out for the amount of {$270.00} without my consent. There was no payment schedule established and they used my card.
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Results Unlimited, Inc. (MD)

Good morning. On Saturday, XXXX XXXX, XXXX I attempted to withdraw money from my bank account at XXXX XXXX bank via ATM. The ATM screen notified me that I would not be able to complete the transaction and needed to call XXXX, when I did that I was informed that there was a lien against my account and I would need to call back on Monday, XXXX XXXX, XXXX to speak with someone from the legal department. 
I called this morning, XXXX XXXX, XXXX, at XXXX and the representative transferred me to Results Unlimited, Inc , a collection agency in XXXX , VA. I spoke with that representative and was told I owed {$3500.00} for monies owed for an apartment I never heard of, however, my name and social were used. I asked for any information on this to be faxed to me and I was told that I would have to call XXXX XXXX XXXX ( I was also never given a name for the representative at the collection agency ). 
I called XXXX XXXX XXXX and was told that the judgement was passed in XXXX. I asked how I would have been summoned and was told the Sheriff would have served me with the notice to appear. I lived aboard the XXXX XXXX XXXX XXXX at this time, however, and never received a summons. 
I then called the XXXX XXXX 's office and was told that if a member of the military is summonsed, the court would contact the command 's legal department and they would arrange for the XXXX to meet the Sheriff at the XXXX police station. That never happened, either. 
My bank account is still frozen, and I was told that it would remain frozen until the {$3500.00} is paid. I get direct deposit from my employment, as well as VA XXXX. Is this legal? What options do I have? This " judgement '' is not even appearing on my credit report. This will render me homeless!!! Please help!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I have on multiple occasion requested Experian updade my personal information to match my XXXX, XXXX and XXXX XXXX. They have over many calls lied and said it is the other credit reportorial agencies. They have ignored drivers license sent in, lease sent in, bill statements sent in. They REFUSE to update my file and continue to month after month prevent me from fixing the errors. When i call they say its the other companies issue. Included is the incorrect names and address within the file. XXXX names and XXXX address non of which are current address lived at past XXXX  years
Consumer complaint received 2023-06-19
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

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 my written instructions.