davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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. (SC)

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # to all three credit bureaus. 

XXXX tracking # XXXX XXXX XXXX XXXX XXXX Experian tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX tracking # XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish there accounts on my credit report as well. 

Account : XXXX XXXX
Consumer complaint received 2022-10-22
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. (DC)

I REPEAT THAT THIS IS NOT A REQUEST FOR VALIDATION/VERIFICATION NOR A DISPUTE. On XX/XX/2022, I the consumer notified the CFPB ( Consumer Financial Protection Bureau ) about XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ), VIOLATING 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to XXXX XXXX XXXX XXXX, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT TO MY CONSUMER REPORT. XXXX XXXX XXXX AGREED IN WRITING THROUGH RESPONDING TO MY CFPB COMPLAINT THAT THEY WILL CEASE COMMUNICATION PURSUANT TO TITLE 15 USC 1692c ( c ) OF THE FDCPA ( Fair Debt Collection Practices Act ) CFPB complaint # XXXX XXXX ) Pursuant to title 15 USC 1692a ( 2 ) The term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating about an alleged debt through my Consumer Report is violation of the FDCPA, that's communicating with I the consumer through a MEDIUM and ( Equifax ) ( XXXX ) and ( XXXX ) are in serious violation also. Equifax, XXXX and XXXX fraudulently furnished account XXXX  XXXX XXXX on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. Here 's other Violation of the FCRA as well : ( 1 ), 15 USC 1681 ( a ) 4 ( b ) -Accuracy and fairness of credit reporting ( 2 ), 15 USC 1681a ( 1 ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living are impacted.

( 3 ), 15 USC 1681b ( a ) ( 1 ) ( 2 ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report. 
Each violation under the FCRA and FDCPA is {$1000.00} each violation. I demand this account ( XXXX XXXX XXXX ) be deleted Immediately or I will file for litigation in accordance with the FCRA and FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n - title 15 USC 1681o ) regarding the continued willful and negligent noncompliance and 15 USC 1692k civil liability section of the FDCPA.
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Consumer Adjustment Company Incorporated (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-02-03
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. (CA)

All inaccurate Information should have been removed from credit report by XXXX XXXX XXXX 
According to law disputed information related to identity theft must be removed from credit reports within certain time period not to exceed 4 business days. 
Identity theft report, copy of id, copy of social security card, FTC ID Theft Report, Dispute letter, copy of Police Report all mailed by certified mail on XX/XX/XXXX. Time required to be removed from report has already exceeded. 
All above listed enclosures already submitted has been re-sent by Us certified mail and also Uploaded into dispute portal on XXXX Website as of XX/XX/XXXX. Bureau Must Remove listed accounts related to ID Theft immediately.
Consumer complaint received 2023-03-23
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. (MO)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Services ( SLS ) currently takes impounds out of my mortgage payment to pay for Flood Insurance covering my property. The loan servicer did not make the payment. The policy was set to expire in XXXX of 2022. As of XX/XX/2022, no payment has been made by SLS. 

We had a policy in place with XXXX 's XXXX. This policy lapsed XX/XX/2022, due to SLS not making a payment from the agreed-upon escrow account. SLS then took out a lender policy at an amount over 200 % more than what our current policy was. To this date, SLS made no payment to XXXX. We had to pay XXXX 's directly for a new policy. SLS did not make a good faith effort to pay the existing policy we had in place. Per their representatives, they stated the Insurance Company and Agent were called, the latter, two business days before the policy was set to lapse. Nothing was sent in writing the Insurance Agent, Insurance Provider, or Mortgagee. 

My husband and I did not receive any calls. My husbands number is available through their system. I have requested mine to be updated multiple times, both over the phone and through their customer portal. The number was not input correctly when it was purchased from the previous servicer. As of today, my phone number is still incorrect. 

We have sent SLS a " Notice of Error. '' Requesting that they refund the over {$900.00} they charged us for the Lender Policy taken out due to their non-payment. They responded that they were not responsible. The lender stated the Insurance Office once, two days before the policy was set to lapse. I spoke with the Insurance Office ( XXXX XXXX ), but they did not receive any message or call from them. SLS did not start sending anything to us, the property owners, regarding the new, more expensive, Lender Policy until XX/XX/2022. As of today, SLS has not credited us the amount for the Lender Policy. 

I have reached out to SLS by phone to have the escrow account removed. Our low XXXX allows this. They often transferred me from department to department to automated systems requiring me to hang up and call again. Once I finally did get someone on the phone, I was told that I could not remove the Impounds for flood insurance.

It is incredibly unethical for a company to force a consumer into paying into an escrow account for a policy they have historically had trouble paying. To make matters worse, they took out a significantly more expensive policy because of their inability to pay the policy already in place. 

The $ XXXX policy we currently have is no hardship for my husband and me to pay. We pay both our hazard and property taxes-over {$55000.00} in full. We feel that SLS is profiting from non-payment of policies that should be paid out of the escrow accounts of their consumers.

We request that we be credited {$900.00} for the policy SLS took out and charged us. We also ask that impounds no longer be taken from our mortgage payments.
Consumer complaint received 2017-02-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Breach of contract. I supplied everything need for a loan mod. In prior complaint with CFPB complain # XXXX. According to the Deed of Trust along with Note, the grounds for acceleration were not met. Provided for you to read are the Deed of Trust and Note.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

Equifax put an unauthorized security freeze on my credit. I was an identity theft victim due to their data breech. In XXXX Equifax removed all the bad accounts from my credit and it went up to XXXX. Now they have added a freeze and all the removed debt they put back on my credit. I can not get a place to live with an unauthorized freeze. They said working on issue and I have to wait 60 days. I will be on the street. My lease ends XX/XX/XXXX and I found a new place to live and gave XXXX XXXX in XXXX my security deposit. I have accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Among other credit cards that were not mine. Also they have several wrong addresses i.e. XXXX XXXX XXXX XXXX XXXX XXXX never lived there. It's out of control. This has been going on for several years. I have police reports dating back to XXXX for accounts opened in XXXX. I have lived in 3 places the last XXXX XXXX. My ID that is attached address which is 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 that is not or was never my address. I have sent documents to all 3 credit bureaus dating back to XXXX and again in XXXX and XXXX. Nothing has happened. My life has been ruined because of Equifax. Not XXXX credit bureau had permission to put a XXXX freeze or fraud alert on my credit report this year. I had alerts on my credit when I learned my identity was stolen for a year while no one did a thing to help me. I am ready to hire an attorney. I am XXXX XXXX XXXX and a Victim. I have been treated as a criminal. I attached a copy of my driver 's license. The reason I have not received my XXXX XXXX  is because I have been married before and had to get marriage certificates which takes 8 weeks to get. I also was living in XXXX XXXX XXXX. Now that I am residing in XXXX  perfectly I am getting a new license. I am going to wait until i get remarried. I will be changing my last name.
Consumer complaint received 2022-10-22
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)

Account info Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3000.00} Account name XXXXXXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance In accordance with the fair criedit 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 a account without my written instructions
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Dave Operating, LLC (MA)

I received a " Dave '' debit card in the mail thanking me for opening my account. I did not open an account and this is FRAUDULENT On XX/XX/13 I called the bank the account was opened at XXXXXXXX XXXX and XXXX XXXX XXXX  and gave them the Account number on the pamphlet on the card. They showed that as a XXXX account number, but said I needed to work with their " Dave '' representative, as they had nothing to do with the set up of the account. 

I was then transferred to the " Dave '' representative, who spoke with a XXXX XXXX but I am not sure of her location. She asked me for personal information like phone numbers and address for confirmation. I told her I did not feel comfortable providing. I did provide the account number again and told her this was fraudulent. I asked her to deactivate the account and send me an email, and to report this to the credit bureau, ( I gave her my address and had her say it back to me for confirmation ). To this day I have not received this confirmation. I wish to have this immediately for understanding this issue is done.
Consumer complaint received 2023-07-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (UT)

I initially started the Mortgage process with XXXX XXXX XXXX, they sold my mortgage to Village Capital and Investment LLC. My monthly payment amount is {$1700.00} and I have never missed a payment or become late on payments. Despite this, every month I get hit with a {$15.00} late fee, when I call to ask why they say it's actually a reversal fee and to contact my bank. I've contacted my bank several times and they have only reversed it a couple times, so I set up my account to pull money from my savings to cover the discrepancy to prevent this. Since making this change, I am still getting hit with " late fees '' and being forced to pay extra and my last reversal was XX/XX/XXXX. On top of this, I've currently been on hold for 1 hour and 7 minutes waiting to talk to someone about this, again, because the automated system offers to press 1 and an agent will call back but they never do. 
I wish my mortgage had never been sold to this company, they are one of the absolute worse I have dealt with. They are scammers, liars and impossible to get a hold of and get answers from.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and deleted for erroneous reporting in my file are listed on my credit report : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-04-07
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

THE FOLLOWING INQUIRIES WAS NOT AUTHORIZED BY ME : XXXX XXXX XXXX CAPITAL ONE AUTO XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
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. (OH)

I am writing to dispute an account that has been reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. After reviewing my credit report, I have found discrepancies that need to be addressed immediately. 

Furthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

Under the Fair Debt Collection Practices Act, a debt collector CAN NOT : 1. Call before XXXX or after XXXX. or at any time or that they are given notice that it is inconvenient to call ( FDCPA 15 U.S.C. 1692c ) 2. Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d ) 3. The FDCPA considers repeat calls as harassment. [ 15 USC 1692d ] 806 ( 5 ) 4. If you make a written request for the collector to cease communication, it can only contact you one more time, via mail to let you know one of the following : that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [ 15 USC 1692c ] 805 ( c ) 5. Violation of Fair Credit Report Act by listing this disputed account XXXX on XXXX credit bureaus, causing more negative credit factors and lowered scores- Sending false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e ) It is my contention and intention to prove that the defendant has violated the aforementioned consumer protection acts.
Consumer complaint received 2017-03-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received from the Bank of America a XXXX card that I did not ask for and did not want. Went to the Bank office here in XXXX Ca. where I asked for an explanation and what I got was insistence that I should keep the card regardless if I wanted it or not. The argument lasted over half houer because the XXXX put me on the phone talking to someone that also insisted that I keep the card, I was getting very aggravated when finally he had the nerve to ask me if I had other accounts with other banks, I responded that it was none of his business.
Consumer complaint received 2024-03-28
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. (FL)

In accordance with the fair credit reporting act this creditor XXXX XXXX # XXXX has violated my rights under XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor XXXX not treat a payment a credit card account under an open end consumer credit plan as late for any purpose Please Supply Me With Information That Was Used To Verify The Item ( XXXX ) Or Delete The Late Payments
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The glaring absence of tangible evidence validating its accuracy, along with the XXXX  of unsubstantiated information, represents a clear breach of the legal framework delineated in XXXX XXXX XXXX ( XXXX ). This regulatory violation is not only XXXX but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the XXXX XXXX  from the disregard for legal standards.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (KY)

On XX/XX/2022 I attempted to send {$500.00} from the Navy Federal account ending in XXXX. The transaction was labeled XXXX XXXX XXXXXXXX XXXX XXXX XXXX would not allow the transaction to go through ( see attached ) as Navy Federal was initially blocking the charge for suspicious activity.

After a few more tires at it, Navy Federal allegedly released the funds, however ; XXXX XXXX  denied it. The monies were never rendered to the platform XXXX XXXX and a pending charge was placed on Navy federal. 

I reached out to both platforms. XXXX XXXX  stated that if it was pending, it would likely fall off in XXXX days as they had not accepted any amount of monies during this transaction. After XXXX days, the transaction posted on the Navy Federal account XXXX 

I disputed this charge on XX/XX/2022 and provided sufficient evidence. On XX/XX/2022, Navy Federal provided a temporary credit ; while they continued to work on the claim. On XX/XX/2022, I was notified that Navy Federal is going to recollect this {$500.00} on XX/XX/2022 due to not insuring peer to peer transactions. 

However, it is to my understanding, that a banking error occurred on the side of Navy Federal. XXXX XXXX denied the {$500.00} and Navy Federal Sent the funds to a place that no one ever received. 

If the funds are recollected, this will hurt me financially and are unfair and unjust business practices.
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.