davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
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. (WA)

well on the date of XX/XX/2023 i filed a dispute through the CFPB to trans union an XXXX as well due to the fact that there are reporting incorrect info on my credit report that is damaging my life in way not even known and they both got back to me one in just a Little under a month and thee other in just a little over month witch is not legal but anyway to put it short they are both saying the same thing to me about not being able to understand what it is that i am filing about well it is clear to see an is clearly not rocket since i have sent screen shoots to back my claim as well but here i am doing this again because i filed a dispute with XXXX as well and they are getting back to me with the same response as well so here i am to clear the air one more and hopefully final time so that they understand i have updated info on the things that i am filing about and will one again post screen shoots with this dispute please help for one they want up to date address info and that i do not have because i am currently XXXX XXXX XXXXXXXX wa so as far as an address to give i dont have one no one wants to rent to me because i have bad things on my report and to boot there are all different on each sight and all i get is this nonfiction saying that my reports are out of date and will up date in x amount of days or i can just pay to have updated right away witch i dont think is legal either not sure but this is really crazy that to know what i am talking bout they need to know about my past an current living situation its wrong and just down right unfair and it need to be fix so again i am saying its not rocket silence if all XXXX are not reporting the same then that is grounds for removal getting back to me XXXX or more after i file a dispute is also grounds for removal of any negative info on my report and one deletes it all of them have to delete it so please do so asap thanks
Consumer complaint received 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Guild Holdings Company (OR)

I have a XXXX XXXX XXXX with Guild.

Insurance is payed by them through escrow. 
I have maintained appropriate insurance coverage throughout the life of the loan, prior to XX/XX/year> with XXXX XXXX, after XX/XX/XXXX with XXXX. 
XXXX Mortgage claims that I had a lapse of coverage XXXX XXXX XXXX 2024, and has charged me {$220.00} for coverage for this period. There was no lapse of coverage. 
XXXX XXXX changed my policy from a classic to advanced on XX/XX/year>. At no time was there a lapse of coverage. 
XXXX XXXX notified Guild of the change in policy, and Guild paid the new premium for the new policy. Somehow some other part of their operations was not informed of this. 
Guild sent me a letter in early XXXX requesting proof of coverage. I sent this by email to the address they requested. 
They sent me another letter on XXXX XX/XX/year> again asking me to provide proof of coverage. 
I sent proof of coverage again, and called them. Their representative told me over the phone that I should disregard the letter and that the issue had been resolved. 
Guild sent me a letter on XXXX XX/XX/year> informing me that they were obtaining hazard insurance for the period XXXX XXXX XXXX XX/XX/year>. 
I again called them and again resent the proof of coverage. 
Guild Called American Family, and was told by XXXX XXXX that there had been no lapse of coverage. They mistakenly believe they were told that there had been a lapse of coverage. 
I called XXXX XXXX, who played their recording of the call and confirmed that they had told Guild that there was NO lapse of coverage. 
XXXX XXXX sent Guild proof of coverage and an email explaining that there had been NO lapse of coverage. 
I called Guild again, and they said they could not explain the problem.
Consumer complaint received 2023-01-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Usaa denied me a personal loan of XXXX because of insufficient income. I'm retired XXXX with deposits into my checking account. I have been with usaa for over XXXX years and have been denied a personal loan every time I apply. I think this decision was made incorrectly because of insufficient income.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 XXXXXXXX XXXX : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any r
einvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXXXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2023-10-06
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (NY)

I purchased a sofa through Raymour & Flanigan, and opted for zero-interest financing with a Deferred Interest plan . 12 months later, I was charged a lump-sum deferred interest charge equaling 29.99 % APY on the purchase. 

However, this deferred interest plan was not clearly communicated. The Truth in Lending Act ( TILA ) as well as New York Banking law requires clear and prominent communication. 

My grievances are as follows : 1. First, my cardholder agreement is not available on the TD website at XXXX XXXX XXXX  There is a generic form of Raymour & Flanigan cardholder agreement available, but that agreement cites deferred interest periods of " generally 6 to 24 months ''. The terms available on their website do not specify that my specific agreement was for 12 months. 

2. Second, although monthly statements were generated in TD 's system, but these statements were not sent to me electronically. Prior to XX/XX/, I did not receive any monthly statement notices from TD at all. Only one year after I enrolled in the program, from XX/XX/ onward, I began to receive generic emails that reference that a statement is available in their system, for which I need to log in online to access. However, these emails did not communicate basic information such as account balance, interest accrued, or the existence of a deferred fee plan. 

3. Third, the only document that references the deferred interest rate plan was in the statement that can be downloaded on XXXX XXXX XXXX However, the deferred interest rate program is not referenced in a clear way. The first page of the statement does not make reference to such a plan at all. There is only one line of information buried on the third page that mentions a deferred interest program. 

4. Fourth, the XX/XX/ statement was inaccurate and misleading. On the first page of the statement, TD communicates that {$40.00} will be charged in XX/XX/. However, the actual amount charged that XXXX exceeded {$500.00}. 

I believe that TD and Raymour Flanigan Credit have acted in bad faith. They have published misleading terms on their website, have failed to communicate statement balance and other relevant information in email, have buried details of their deferred interest plan in statements that can only be accessed from within their website, have failed to communicate the expiration of the deferred interest rate program, and finally have provided misleading and inaccurate information on the XXXX XXXX statement.
Consumer complaint received 2023-03-11
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

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 SECTION 604 a section 2 : it also states a consumer reporting agency cant furnish an 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 as late for any purpose.
Consumer complaint received 2024-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (SC)

JPMorgan Chase Bank failed to pay for renewal of my homeowners ' insurance upon acquiring my account from XXXX XX/XX/XXXXon XX/XX/XXXX. This cause my policy to lapse without my knowledge and I did not become aware until XX/XX/XXXX after contacting the insurance company to file a claim for damages to my property from a severe thunderstorm. I was informed on XX/XX/XXXX that my policy lapsed inXX/XX/XXXXXXXX due to non-payment. Chase informed me then that they assumed XXXX paid the policy renewal prior to the transfer as they had record of a {$290.00} payment made prior to the transfer. That was only a partial payment as the policy 's premium was {$1000.00} annually.
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I applied for SAVE plan on XX/XX/2023. Received notice that nelnet received app on XX/XX/XXXX. By XXXX, interest started capitalizing. I did not receive any info via nelnet portal or via email about issues with processing my account until i filed for CFPB complaint ( XXXX ) on XX/XX/XXXX, then in XX/XX/XXXX, nearly 50 days after I sent initial application I was told due to name discrepancy my application is being held up. Many years elapsed between borrowing and repayment, borrowers have name changes and address changes. 

I have sent copy of ID requested on XX/XX/XXXX via email and my contact info is up to date on nelnet portal ( please use address on portal instead of drivers license ). Please change payment plan immediately and reverse interest capitalization as SAVE plan would have done.
Consumer complaint received 2023-10-06
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. (TX)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protects me. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer. 

I still never gave them no written content to furnish these fraudulent inquiries/inaccurate accounts/late payments. They also violated 15 USC 1681i 5 & 7 and verified these accounts, and violated 15 USC 1681a ( 2 ) ( B ). The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine. 

Also, this company violated 15 USC 1681a ( 2 ) ( b ) which states that a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

An exclusion means that is it not supposed to be on there. Additionally, a credit card is defined in the Truth and Lending Act q5 uSc 1602 ( l ) - the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card is referring to the fact that my credit card or social security number in this context was used when I did business, because my social security number was used to extend credit to myself in this transaction.
Consumer complaint received 2022-12-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (OH)

XX/XX/XXXX. My Covid forbearance ended on XX/XX/XXXX. I am requesting from my mortgage company for a Partial Claim through HUD. I can resume making my normal mortgage payments on XX/XX/XXXX as my financial situation is back to normal. I am getting several different answers regarding this information and worried it is not getting done.i attached my covid forbearance packet.
Consumer complaint received 2023-10-06
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN)

I sent XXXX to my Mother in law and it was sent to the wrong bank account due to a typo. I noticed immediately after it was sent and they refused to cancel it or contact the received bank to arrange and fix the account number which was just XXXX number off. This was my rent so I told them I needed this fix immediately and they said it was gon na be solved in half a month
Consumer complaint received 2022-12-08
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. (SC)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 2022-07-15
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2023-10-06
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. (SC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (PA)

I called the debt collection agency which is handling my debt from XXXX XXXX XXXX to settle the debt with monthly payments. The agency tried to charge me a just under {$13.00} per month as a " convenience fee '' for using my debit card. would come out a little under {$150.00} more than owed, which is almost a 28 % increase of the debt
Consumer complaint received 2023-09-19
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. (MA)

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.
Consumer complaint received 2023-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Risecredit, LLC (AL)

I have a loan with rise credit which was approved on XX/XX/23. I had a XXXX XXXX on XX/XX/2023. The doctor says that I can't be worried about anything or I wouldn't be able to live much longer/