davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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. (LA)

In Accordance with the fair credit reporting act. the list of accounts have violated my federally protected consumer rights to privacy and confidentiality under USC 1681 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, DPT EDXXXX # XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX # XXXX Have violated my rights 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than conviction of crimes which antendates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) Apersonshall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The XXXX XXXX XXXX is continuing to state that i am late and behind on payments when during COVID i was told that I would not have to make any payments nor would any such payments be subject to reporting to my credit. These loans have been forgiven as well and they still are reporting to my credit..
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  Account # XXXX this account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed
Consumer complaint received 2023-05-11
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. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

I LOST MY WALLET AND INSIDE THE WALLET, I HAD MY BANK CARDS AND DRIVING LICENSE, SOMEONE USED MY LOST DEBIT CARD TO MAKE A PURCHASE IN XXXX WHILE I WAS STILL IN THE XXXX. WHEN I SAW THE UNAUTHORIZED TRANSACTION ON XX/XX/year>, I IMMEDIATELY CALLED THE WELLS FARGO BANK TO FILE A FRAUD CLAIM BUT THE BANK IS UNWILLING TO INVESTIGATE THIS CLAIM AND UNWILLING TO RECOVER MY FUNDS FROM THE UNAUTHORIZED TRANSACTION. INSTEAD, THEY HAVE DECIDED TO CLOSE THE ACCOUNTS TO AVOID THEIR LIABILITY. THEREFORE, I AM FILING THIS REPORT HERE SO THAT WELLS FARGO CAN REOPEN THE CLAIM AND WORK WITH THE LAW ENFORCEMENT TO RECOVER MY FUNDS AS SOON AS POSSIBLE. WELLS FARGO BANK HAD NEVER SENT ME ANY NOTIFICATION TO VERIFY THE TRANSACTION TO MY PHONE OR EMAIL WHILE SOMEONE USED MY LOST CARD IN XXXX. THEY FAILED TO PROTECT MY FUNDS. I WANT MY FUNDS TO BE RECOVERED AS SOON AS POSSIBLE.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Notice To Cease And Desist I refuse to pay XXXX XXXX XXXX, XXXX XXXX XXXX and DEPT OF EDUCATIONXXXX alleged obligations on my credit file because I have not signed a binding contract with the persons listed below. secondly if there is a contact binding me to any person listed below the signature is fraud and was not signed with my own hand. thirdly the persons listed below is reporting unverified information on my credit file with extortionate intentions to blackmail me into paying a alleged debt not owed to them there conduct is a violation of 18 U.S.C 894. Lastly i never gave the persons listed below written permission to use my personal information. the use of my personal identifying information was obtained by Aggravated Identity theft wherefore there conduct is a violation of 18 U.S.C 1028A.

If this credit reporting agency continue to report these accounts you admit to be conspiring to the crime committed by the persons listed below. FTC identity theft affidavit enclosed. 
XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX
Consumer complaint received 2023-04-28
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. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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  XX/XX/2021
Consumer complaint received 2020-12-12
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: Experian Information Solutions Inc. (IN)

After checking my credit report in XX/XX/XXXX, I discovered 2 items on my credit report that were not mine. One was a Chapter XXXX bankruptcy, and one was some type of financial company/lender. They were disputed with all 3 major credit bureaus, and both were " verified '' according to the bureaus. I contacted the organizations ( Federal Bankruptcy Court XXXX  District of Indiana and XXXX XXXX XXXX ) early this year, and was told they had not been contacted by any of the bureaus. A second call to each of them on XX/XX/XXXX found no one from Experian had contacted them about my credit listings at all. Of course, Experian lied about this, and then said " oh, well, we didn't contact those you disputed account with directly. We did it via XXXX XXXX ''. When confronted, their argument fell apart. 

In XX/XX/XXXX, I sent registered letters to all 3 bureaus asking for the method of verification, details on who they spoke with to verify, what documents were submitted to verify, etc. XXXX  and XXXX complied. Experian did not. After 4 phone calls over the past two weeks to Experian, they claim that they " don't have to comply '' with any method of verification, and will not do so. Even after sharing the details of the FCRA and FACTO laws, they refused. Finally, on my last call to them today, they kept " dropping '' my calls when asking to speak to either the legal department, or consumer protection office. These calls were all recorded, and can be provided to you. 

I am adding copies of the registered letters, which Experian received well over 30 days ago, police report, mail receipts, etc. As an investigative journalist, we hear these types of complaints often, and in the last year, every day. Experian 's willful ignorance of the laws they must follow, and intentional disregard for the consumers they are to " protect '', must stop. And, since they won't comply with the laws, treat customers poorly, and continue to harm those who dare confront their illegal practices, they must pay for these transgressions. No stranger to class-actions and court cases in general, their attorneys will be very busy, and once again lose, to those of us harmed by their actions. Please consider additional fines and sanctions. Along with state attorney generals and the courts, they will be made accountable.
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

I would like to submit my whole story and demonstrate Nationstar Mortgage failure to comply with XXXX SD XXXX. 

Your platform, limits characters prohibits me from delivering you the complete facts and truth. 

I would appreciate a phone call. 

XXXX XXXX
Consumer complaint received 2022-11-28
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. (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 XXXX XXXX, XXXX Self-Reported XXXX, XXXX Self-Reported XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2024-06-12
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: Resurgent Capital Services L.P. (GA)

XXXX, XXXX, & LVNV Funding LLC are reporting an allege debt that they state I owe a debt that I do not. Just because a contract is transferred and assigned does not give you a right to collect and you have not received any judgement from a federal court. I did not receive a notice of my right to dispute this debt before it was added to my consumer report.
Consumer complaint received 2024-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Attached is a letter from MOHELA received XX/XX/XXXX that my account will be placed on XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I received no explanation, though I suspect it is in response to my last CFPB complaint about MOHELA 's failure to provide my interest subsidy from my ongoing SAVE plan payments. The current outstanding interest showing on my account is {$4800.00}, even though I have made monthly payments on the SAVE plan since XX/XX/XXXX. 

On this General Forbearance, interest continues to accrue daily. This forbearance letter states that interest may capitalize at the end of my forbearance period, even though there should be no remaining interest in the first place. I am concerned that MOHELA is attempting to capitalize my {$4800.00} of interest that I should not owe in the first place, as well as any interest that accrues during XX/XX/XXXX.
Consumer complaint received 2024-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Onity Group Inc. (CA)

I first requested a PMI removal appraisal in the XXXX of XXXX. At the time, the XXXX XXXX required was 80 %. After PHH MortgageXXXX XXXX XXXXXXXX sent their appraiser, it was determined the value of my house did not meet the threshold. I don't remember the exact number and it's not listed in any letters, but over the phone they told me the house appraised for somewhere in the XXXX. At the time, I knew this was low for my area. For context, I live in a community of XXXX of the exact same house, all built in XXXX, and my neighbors recently sold for upwards of {$1.00} XXXX, which would have more than exceeded the threshold I needed for my XXXX. On XX/XX/XXXX, I received a packet detailing the comps this appraiser used, and she said it was a townhome when it is actually a single family home on a small lot subdivision. She also listed XXXX as year built, when in fact the complex was built in XXXX but my own house wasn't completed until XXXX ( see homeowner 's insurance quote ). I believe the appraiser used the wrong comps. The bank told me I could appeal after 90 days, so I did. 

The new appraisal took place XX/XX/XXXX, and I was told over the phone it appraised for XXXX. This is closer to the amount I think it's worth, but it still doesn't equal the price my neighbors with the same home got, nor does it match up with the comps in the neighborhood I had my realtor XXXX XXXX put together ( attached ). Additionally, the goal posts were moved between last fall and now, and apparently XXXX XXXX XXXXXXXX now requires 75 % XXXX. This seems unfair to the consumer and quite honestly, a scam that the appraisal for my house was so dramatically different between now and last fall, and the required XXXX XXXX raised in the same interim. 

As the CFPB, I ask you to intervene and protect the consumer from these predatory practices. I still have yet to receive a quote as to what amount I would need to pay off to make my XXXX 75 %, despite having requested this weeks ago and being promised a mailed response by XX/XX/XXXX. ( I know PHH keeps a call log if you're interested in specific dates these phone calls and emails happened ). For every day that goes by, I'm this much closer to needing to continue to pay $ XXXX in the next PMI installment, not to mention the fact I've already spent {$380.00} on appraisal fees.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

This account is over limit because Capital one is charging {$40.00} late fees on a XXXX balance. This is the definition of junk fees and I hope Capital one is viewed as XXXX of the companies imposing junk fees
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My credit report is showing late payments on XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2023-07-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted multiple disputes to transunion. They took 45-60 days each time I sent them a dispute. I disputed the following accounts. 
XXXX  XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these items were disputed multiple times. Each time transunion took over 30 days to actually investigate it and violate consumer protection laws. 
The company can not actually verify any account as I have never signed digitally or manually any documents with these companies as well as have not authorized any of these companies to report to my credit. I have submitted requests on XX/XX/23 XX/XX/23 XX/XX/23 All my attempts to actually have them remove due to violating multiple laws have gone unchanged.
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BETHPAGE FEDERAL CREDIT UNION (CA)

Normally, a buyer in CA inherits the sellers tax basis and a supplemental tax bill that the buyer pays in the first year adjusts the sellers basis to the buyers basis. 

When a buyer takes an impound account for taxes, the originating lender should adjust for the actual basis, not retain the sellers basis ( which is often lower ). 

What Bethpage did, and escrow permitted here, was for us to inherit the sellers SELLERs XXXX basis, which was only {$1000.00} per year ( {$88.00} per month ). This borders on negligence because they all knew our impound account would get slammed with an adjustment at a day in the future. 

So we closed in XXXX of XXXX, for a 7 year fixed loan, with a monthly mortgage price of ~ {$5400.00}. A year and half goes by, and we are blindsided by " an escrow deficit '' and our new mortgage payment is now ~ {$6800.00}, which was automatically withdrawn in our most recent mortgage payment, introducing financial hardship to my family and I. 

Bethpage was HORRIBLE to work with before and after the closing of our home, but this " error '' is unacceptable, and appears to be a " bait and switch '' to make sure we closed, as we had shared prior that anything higher than the ~ $ XXXX payments would be too much for us, and we would not purchase this home.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

American Express charged a late fee when it was not late! Our due date is the XXXX of the month and in XXXX the XXXX was Monday XXXX XXXX Usually my credit union will pay the following business day and that is the standard practice. The CFPB even states this on your website.

With that said, I checked my online banking and my payment was paid and received on XX/XX/XXXX. So it actually wasn't even paid late. So did American Express really investigate this payment? It doesn't seem they did. We have had an account with American Express XXXX or XXXX yrs and always paying our balance off every month. I guess being responsible is a bad thing to them? Either way you look at what happened, American Express is wrong and should fix their error!
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My credit report for Experian has wrong social security and I would like it corrected. I have requested Experian correct my credit report to no avail and according to the Fair Debt Collect act Experian has a duty to report correct information to credit granters and Experian was made aware of this matter 8 months ago and have yet to correct the matter.
Consumer complaint received 2023-07-31
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 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 be investigated and corrected 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 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
Consumer complaint received 2022-11-28
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX