davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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. (MI)

XXXX has engaged in unfair, abusive and unlawful practices in processing a payment. They subsequently failed to conduct a reasonable investigation for billing errors, failed to provide reproductions of documents used to determine the outcome of billing error investigations, failed to disclose my right to request such reproductions. They then retaliated against me as consumer for engaging in protected activities, using tactics including credit discrimination and disability discrimination. XXXX has continued to harm me as a consumer by continuously furnishing invalid and/or unverifiable payment history to the CRAs. The information is invalid and/or unverifiable because the information supplied was generated as a result of unlawful actions taken due to XXXX 's failure to process a payment. XXXX has reported that information using the eOSCAR system claiming the information is correct, yet has been unwilling to provide me with reproductions of documents that support the information supplied to the CRAs. At the same time, the CRAs have insisted XXXX has provided them with the same or similar documentation that allegedly verifies the validity and accuracy of the information supplied to the CRAs, and that attests the information was generated lawfully. Prior complaints with both the CFPB and XXXX are attached. Most recently, XXXX supplied me with a rehash of their alleged investigation ( XXXX ) on letterhead with XXXX ( XXXX ) supporting documents -- this is despite my request for reproductions of any and all documents that supports the conclusions of their alleged investigation ( XXXX ). I cited applicable law and provided the corresponding pdf from the Federal Code. Overall, XXXX is using abusive tactics to avoid transparency that is required, and is harming me by supplying the CRAs with invalid information. They are then sending updates to the CRAs that contain the invalid information. They are then closing out subsequent complaints with the CFPB as a form of retaliation, and refuse to supply reproductions of supporting documents, claiming they conducted a billing error investigation. The CRAs has been more than willing to persist the information furnished by XXXX despite me notifying the CRAs through CFPB complaints of the serious issues involved. Therefore, the CRAs are now knowingly and willfully violating the FCRA. The full explanation and documentation is attached.
Consumer complaint received 2023-11-06
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

Got a American Express gift card for {$500.00} on XX/XX/2023. Tried using it at several on-line and in-store purchases and they all have been declined. The balance is now showing {$490.00} due to a couple fees charged. Reading many posts about others having the same on-going issues now for years.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I have sent several letters to this company asking them to remove incorrect information and that I have not given them or anyone else permission to have my personal information or have a credit report. They refuse to delete items that are false. They have wrong addresses and even has loans that I never had. I have told them several times I did not give them permission to have a credit report file and I want it deleted and permanently removed. As a result they have subjected me to Identity theft and caused harm to me with their security breach.
Consumer complaint received 2023-04-16
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: Bread Financial Holdings, Inc. (NY)

as of XX/XX/XXXX i have noticed fraud account ACCOUNT NAME- COMENITY CAPITAL/XXXX ACCOUNT # XXXX XXXX DATE OPENED- XXXX ACCOUNT TYPE- CHARGE CARD STATUS-Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX. 
STATUS UPDATED-XXXX XXXXXXXX BALANCEXXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number-None provided INCOMPLETE ACCOUNT # IS GROUNDS FOR THIS FRAUD ACCOUNT TO BE REMOVED AND DELETED! 
15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2022-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

In XX/XX/2022, my mortgage was sold to Fay Servicing. My First statement should an escrow balance nearly twice what accurate. I brought this error to their attention and they said they would do an analysis. The analysis revealed a mistake at the previous mortgage servicer for a lender placed insurance policy. I showed the documentation from the previous lender that the policy had been cancelled weeks before transferring to Fay. Fay agreed that they were due the difference of approximately {$7000.00} from the previous lender. 

Instead of fixing the problem, they increased my mortgage by almost {$650.00} to cover teh shortfall for a number of months. I continued to pay what they asked because Fay promised " it would all work out in the end ''. In XXXX, Fay bumped my payment up another {$600.00} plus per month to cover the escrow shortfall. My XXXX XXXX XXXX  is about {$1400.00}, my taxes and insurance is less that {$800.00} ( $ XXXX per year ). Fay has me paying in excess of {$3200.00} per month or almost 3x what my escrow should be. I have sent emails, left messages and when I have been able to speak to someone, it is a low level person that doesn't have the power to rectify the situation. I have the mortgage current through the end of XXXX when i finally said enough is enough. Fay sent me a foreclosure letter if I don't bring things current at the $ XXXX payment by XX/XX/2022. There must be a law against this kind of practice. At the very least this is wire fraud. Please help me.
Consumer complaint received 2022-09-21
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. (WA)

To whom it may Concern, Your company is in clear violation of Federal Law. According to 15 U.S.C 1681a ( d ) ( 2 ) ( i ) A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. My consumer report containing credit Utilization and a credit balance are transactions and experiences. Delete the credit Utilization and a credit balance from the follow accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXL Failure to do so within 10 days will result in me seeking relief to be granted in my favor against your company and damages sustained by me in the amount of {$10000.00}.
Consumer complaint received 2017-02-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

My wife and I have a FHA mortgage with Nationstar. We have met all of the requirements as of XX/XX/XXXX to remove the mortgage insurance from our loan. I submitted a request in writing and Nationstar acknowledged the request, but, as of XX/XX/XXXX I have not heard anything from them and they have not dropped the mortgage insurance from our loan. My attempts to follow up with them have not been successful.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

I consolidated my loans back in XXXX. I was not placed on the XXXX plan as requested. I had to call 3 times to find out why and was told repeatedly that is the plan I requested and I should be on it. Then it turned out I needed to submit more information ( that I already submitted when I consolidated ) so I did that. While in this process I asked for all documentation related to my loans and my consolidation- they did not send me what I requested. 

My payment amount came out to be about $ XXXX nowhere near what student aid states it should be for the XXXX plan. Student aid says my payment should be between {$400.00} and $ XXXX that is calculated with higher income than Nelnet is using. I called again. Nelnet stated that the amount was wrong and I needed to submit a new application. They could not do it online. I had to fill out a paper application and upload it. Once I was moved to SAVE, they told me my payment would be {$1200.00}. Again SIGNIFICANTLY higher that student aid. 

I am now in a forbearance collecting {$40.00} a day in interest. I can not afford the {$1200.00} a month payment- I work in public service and have XXXX kids.
Consumer complaint received 2024-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (PA)

I received a Bill from collections from a company called Capio Partners in Texas about an account they said I owed. I didnt recognize the bill and I told them didnt owe it on the phone on XX/XX/XXXX. I sent them a debt verification letter. They eventually got back in touch with me and gave me an itemized bill. I used the information on that bill get ahold of XXXX XXXX the original creditors. they told me they had no medical records of me. Absolutely nothing. Even with using my Social security number, DOB, and address, nothing. I was told the Account number on the bill was XXXX digit off from being wrong as well. I contacted them by phone on XX/XX/24 and spoke with XXXX. Shes the one who confirmed it with me. She had doubled check with her support team on it as well. XXXX didnt seem like they didnt wanted to look into it much further. I was told on the phone that even with selling to collections they dont sell to Capio , and if I did have a collections bill with them being the original Creditor they would never delete my medical records. I had her confirm that XXXX with her support team. So my logical conclusion on this was, the bill definitely does not belong to me.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is not reporting correctly, XXXX has some discrepancies and Transunion as well. All three are not accurate and should be held liable for all the time my credit was worse than what it really was.
Consumer complaint received 2022-10-25
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. (DE)

Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (IN)

I am a XXXX XXXX XXXX XXXX XXXX veteran and I was XXXX  with severe XXXX for approximately 30 days, in XXXX 2022. Upon my release from the hospital and after my recovery, I experienced a financial hardship. 

I reached out to my mortgage company, 21st Mortgage several times in the months of XXXX - XX/XX/2022, for assistance due to my financial hardship from my XXXX XXXX but was not extended any assistance or options. 

The mortgage company continued to harass me and threaten me with foreclosure. 

I reached out in XX/XX/2022 to the Indiana Housing Assistance Fund ( INHAF ), that was put into place by the CARES Act to assist homeowners who had been effected by XXXX. 
INHAF application # : XXXX ; INHAF appeal # XXXX ( submitted XXXX ). 

The INHAF denied me any assistance. Did not receive the notice of denial and the steps to take to appeal until it was beyond the window to appeal. 

I feel that the denial of assistance from both my mortgage company and the INHAF was discriminatory and unfair. 

My complaint is against my mortgage company, 21st Mortgage and against the Indiana Housing Assistance Fund ( INHAF ) Your assistance in this matter is greatly appreciated. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Email : XXXX Cell : ( XXXX ) XXXX
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (VA)

On XXXX I attempted to withdraws money from an ATM at XXXX XXXX at XXXX XXXX, MD. I put all my info in the ATM and requested {$200.00} plus the XXXX fee, so total was {$200.00}. It then told me : '' Your transaction has been cancelled, please take your card. I waited a few seconds wondering what happened and waiting for a printed receipt that never came. I walked 10 steps to the ATM machine behind it and got my money, unfortunately I got charged for both transactions and when I contacted my bank I had a dispute filed. When they said it was 13 minutes between transaction which is impossible because I actually walked 10 steps and then XXXX said I received the money they ended the dispute and said it was my fault. 

I did escalate the dispute, but I'm sure they will say the same thing. 
On my PNC bank app, it shows the 2 transactions labeled as : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MD. 

I was told they would contact me in 48 hrs which as I write this is 24 hrs. 

Thanks, XXXX XXXX
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (GA)

I pulled a credit report and found out that there was a account on my credit from XXXX ( Account number XXXX ) .The was a collection place on my account that has no history of any kind other than a ( C ) on it which stands for collection. I was not notified of this by Experian or by XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ). I request that the information by phone directly with an agent. I also sent in letter to Experian. I also sent allied a letter. The item remains on my account
Consumer complaint received 2018-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Portfolio Recovery Associates has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Portfolio Recovery Associates provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Portfolio Recovery Associates has failed to provide any original copies of verification obligating myself to this debt. Since Portfolio Recovery Associates has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have XXXX kids  and no income right now. I do not have any food for my child at this point. No breakfast or lunch for them. I put in a request for a hardship on XX/XX/XXXX to get my money out of an account that bank just closed down with no warning. Its a little over {$300.00} but it will get my kids the food and gas money we need til I get paid. I am a teach and dont get paid in the summer so I wouldnt bother to do this if the money wasnt very important right now. On XX/XX/XXXX they told me it can take up to 10 days to get a response. Today is 10th day and still no response even after managers many emails. This is inhumane
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file : 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 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRST HORIZON BANK (FL)

Car loan was paid in full to First Horizon Bank. Account was closed but continues to show as late. This has crashed my credit score for months. I just lost everything I own in Hurricane Ian and this mistake has made it impossible to get an SBA Loan or a car loan at a decent interest rate because the account was closed showing it is not current.

I made may attempts to speak with someone at the bank who could help. I was told the customer service dept does not deal with car loans. I was told in XX/XX/XXXX the Solutions team would call me. It is now XX/XX/XXXX I have never received a call. I have asked for a number for the solutions department but was told there is no number for them and that they have to call you.
Consumer complaint received 2023-11-06
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. (NJ)

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.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section XXXX of the FCRA CREDIT BUREAUS is required by law to remove any ACCOUNTS which is found to be opened due to ERRONEOUS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Good evening! 

I have noticed unauthorized inquiries on my report that i don't recognize or someone applied in my name. 
According do the FCRA Fair Credit reporting Act, Legally these unverified and unauthorized inquiries have to be removed ASAP. 

Their are inquiries on here where I was not approved for the credit, loan or etc. These inquiries need to be removed as it has dropped my credit score. 
i know that you all are familiar with 15USC 1681C block of information clause correct? I know my rights and I know transunion, XXXX and XXXX aren't real Bureaus. I know the law, and i will not hesitate to take these 3 creditors to court for unauthorized inquiries, lates payments, discrimination, etc Listed below are inquiries that are unauthorized and need to be removed asap!!! 
XXXX twice : XXXX XXXXXXXX XXXX  : Transunion XXXX XXXX : XXXX and Transunion XXXX XXXX twice : XXXX XXXX XXXX XX/XX/2022 : Transunion XXXX XXXX : Transunion XXXX twice : XXXX and transunion XXXX : transunion XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : TransUnion XXXXXXXX XXXX  : TransUnion XXXX XXXX : TransUnion XXXX : TransUnion XXXX XXXX : Transunion XXXX : TransUnion Because of these, i had to end up freezing my credit!! 

I refuse as a consumer to hold back anymore. I deserve to be treated fairly, and that is what will be happening going forward. I refuse to let the mistakes of these creditors hold me back any longer! 

I also will be forwarding 2 more letters as well as filing a complaint to the attorney general.