davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (NY)

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 - {$8700.00} HAS VIOLATED MY RIGHTS UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXXAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX I deposited a check of XXXX by a gentleman who owed me about XXXX as part of a consent order. 
The check was dated XX/XX/XXXX. 
The gentleman issued the check from his account at Wells Fargo Bank in Georgia and I was informed that when my check was cashed there was enough money in the gentlemen 's account. 
My bank, XXXXXXXX XXXX in Arizona did not accept the deposit and when I called XXXXXXXX XXXX  I was informed by the customer service that I had to deposit the check at the teller of my XXXX XXXX in XXXX XXXX since the check was older than 30 days. I did that on XX/XX/XXXX. 
Apparently the gentleman who wrote the check had by that time overdrawn his account at Wells Fargo and on XX/XX/XXXX I was informed that the check was returned. 
I was upset because of three things. 
1. Non payment of a legal obligation.

2. The fact that XXXX customer service informed me in one call that a check that is older than 30 days had to be presented in person ( I could not find that in any agreement ) 3. The fact that XXXX customer service in a later telephone call inform me that a check gets stale after 3 month ( my understanding from XXXX documentation is that it is 6 months ). 
4. That XXXX charges me XXXX for a uncovered check. 
When XXXX had just processed my deposited check I would not have been out of the XXXX and would not have to pay the XXXX 
I would appreciate if you could tell me if my understanding is correct. I am sure that neither Wells Fargo ( who is known for not always proper behavior ) neither XXXX will give me the full story.
Consumer complaint received 2023-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

Freedom Mortgage has incorrectly calculated our Escrow. We have contacted the company 7 times regarding this matter. The XXXX department refunded the homeowner insurance the previous provider incorrectly purchased. However, our escrow balance has not been adjusted and they continue to charge us an extra {$50.00} per month for escrow. This has gone on for XXXX months and every time we call they say it will be fixed. We wait and it does not get fixed. This company is scamming us and our only recourse seems to be to sue them.
Consumer complaint received 2023-01-07
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. (FL)

I am intrested in disputing all incorrect information on my credit report with Equifax. checking my credit profile ive noticed a lot of invalid data that is hindering my file. please update all information listed.
Consumer complaint received 2023-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (CA)

Mutual of Omaha did not include my home insurance in my escrow when they transferred my mortgage to the new servicer as I requested and paid for. They recently included only my property tax before they transferred the mortgage to another carrier from my previous complaint. As a result, it created a deficit in my escrow analysis that has fouled up my payment amount with my current carrier that they transferred me to.
Consumer complaint received 2023-01-07
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (AR)

On XX/XX/2023 XXXX XXXX contacted me by phone from Regional Acceptance. Without my consent. This is a violation due to the fact that I did not give her written consent to call my phone to discuss the complaint that was filed through the CFPB days before contact. So the following day XX/XX/2023 I texted her to let her know she was in violation and also tried to get her to go back to the cfpb or even email me. Instead she proceeded to try to figure out why the complaint was made to begin with. I went ahead and told her and she denied any laws that were given to her. She stated she wanted to know why I felt discriminated against. I proceeded to tell her. I also want to add other reasons to my complaint. If you look at 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) statement of specific reason basically the reason for the adverse action is discrimination due to the fact that a person with a credit score of XXXX gets approved and a person with a XXXX doesnt. So the specific reason is in fact insufficient. Due to the fact that a fico score or debt can not be used as specific reason. So what is the specific reason for the denial? This is also a violation of the ECOA I also requested to speak with the underwriter and XXXX stated that there was no underwriter. This lady continued to deny anything that I stated also known as laws she completely denied everything. She stated she would respond to my complaint in the allotted time.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

I had previously submitted complaint XXXX regarding the issue with Experian I will start with the situation initially experienced and expand on the " response from the company '' which has still left me with no way to access my Experian credit file. 

-I have been a victim of identity theft since XX/XX/XXXX, I had notified and frozen my report with all 3 bureaus on this date -Since then there were numerous attempts but none successful to fraudulently apply for loans, credit cards, and payday loans for the past 18 months with over 175 applications -I had maintained these freezes and never willingly unfroze my credit with any bureaus, and was alarmed with what I'd heard from Experian on XX/XX/XXXX. 
-On XX/XX/XXXX, I received an email from Experian that my information was changed in their database, I did not request any of those changes be made. I called them the same day and requested the file be frozen as I faxed and mailed my information in which I did that same day. They promised me on a recorded line that the file would remain frozen until I got the PIN # in the mail to my address on file. 
-On XX/XX/XXXX I received an email that my file was thawed until XX/XX/XXXX, there were XXXX inquiries that hit my report from XXXX XXXX and XXXX XXXX that were both fraudulent. On XX/XX/XXXX I called Experian again to try and regain access to my file and online portal, they were able to get me into the account last night around XXXX. I felt like everything was good I added 2 factor authentication and a security PIN to the account. On XX/XX/XXXX I logged back into the portal to verify my credentials were valid and immediately saw they were reverted back to the fraudulent email that had been flagged for them before. I asked if they could get me back into the account and add any security measures they then proceeded to transfer me to 4 different departments before hanging up on me. They told me the only way they could protect me is if I did a paid membership with them to protect my credit which I have little to no confidence in given the 19 hour turnaround to get me removed from my own file/account again. 
-Since then I have received a call from Experian that they were looking at clearing out the fraudulent email and helping me set up a new account so I could actually manage my file with them. 
-The representative I had been working out had reached out 3 times and each time I was unable to get a new account created. This began in XXXX and as of today XX/XX/XXXX I still do not have a login to the website and have not heard from a representative in months. 

Please help me Experian is once again ignoring this problem and their consumers and I just need it to end. I just want to be able to manage my credit file and Experian seems XXXX  on preventing that.
Consumer complaint received 2024-03-27
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. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
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)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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. 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 2022-11-22
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: DISCOVER BANK (AZ)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15U.S. code1681 section 602 states I have the right to privacy. 
15U.S. code1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
Under 15U.S. code1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose.
Consumer complaint received 2022-12-10
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: WELLS FARGO & COMPANY (MD)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2023-02-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Last month XX/XX/2023, I sent you another dispute letter containing the list of accounts and items that don't belong to me but I still haven't gotten any update about the status as yet. Its been over 30 days. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX and the Office of the Atty General if do not I receive the correct response.
Consumer complaint received 2023-01-07
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. (AZ)

I have requested for the credit bureau to do a thorough investigation and verification of my credit report. I have also reviewed and verified the information and have found these to be inaccurate. In accordance with the Fair Credit Reporting Act the following accounts have been reported in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to the Fair credit reporting act account # has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15U.S.C 1681 section 602 A Section 2 states that a consumer reporting agency can not furnish an account without written instruction.
Consumer complaint received 2023-01-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (TX)

We previously had a home that was mortgaged through Mr. Cooper. Prior to selling the home in XXXX, we had rented the home due to being XXXX XXXX as an XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Recently we moved to Texas ( XXXX  in XXXX XXXX, TX ) and wanted to get pre-approved for a home loan to start looking at houses. We found out that Mr. Cooper reported our mortgage as more then 30 days late on numerous months the previous year despite their being evidence of a payment being made each month. But, if you look at our statement it clearly shows that a payment was made each month. So, how could a payment be 30 days past due if there was a payment made every month? It does not make sense. Also, the home is in both my husband and my name, but the line items show my husband and I as having different months of delinquency? This is clearly wrong and despite having reached out to Mr. Cooper on numerous occasions to correct this error they are impossible to get a hold of. This has significantly altered our ability to be able to get preapproval for our next house here in Texas. This will be our XXXXXXXX XXXX XXXX prior to retiring, so the home we are looking for is our forever home. But due to their incompetence, it would seem we do not know how to manage our bills which is completely not true. We owned that home for 20 years. Please help!
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

{$5600.00} XXXX XXXX keeps dinging my credit for a car that has been totaled out. Vehicle has no use and not in possession of it. I have already provided information to dealership to speak with insurance to resolve this issue, also have spoken to numerous people who said vehicle also had gap coverage and Im not obligated to any further payments on vehicle.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (GA)

I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Victim of fraud, Chase, XXXX  and other institutions, used and complied incorrect information about mw with out letting me make corrections to these accounts that did not seem recognizable. these companies did not investigate this mater as I have a written letter to the data furnishers that the information I had got verified with notary did not match their records, there fore they are resorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I demand XXXX complies or i will be using all documentation as evidence to show in court I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Vitim of fraud, chase did not investigate this mater as I have a written letter from the data furnishers that the information I had got verified notary did not match their records, there fore they are presorting to report the wrong information. this led to Injury to my credit report and credit score. FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

My Chase Freedom XXXX card previously reported my account 30 days delinquent for XXXX of XXXX I filed a complaint, and demonstrated that I was not delinquent for XX/XX/ and they removed the delinquency. a couple weeks later they reported my account 30 days delinquent foXXXX XXXX XXXX. I filed a complaint and demonstrated that I was not delinquent for XX/XX/. They removed the XX/XX/ delinquency from my report, then a week later they reported me 30 days delinquent for XXXX  again, even after I demonstrated that my payments were on time. Basically they continue to move this 30 day delinquency to different months despite me proving that all my payments were on time. I am attaching proof of my XXXX XXXX XXXX XXXX XXXX payments
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (TX)

I called the number provided by Monarch Recovery Services indicating that a debt from XXXX XXXX XXXX for an account an address in XXXX, XXXX  ( a place that I do not live ) was associated with my name, birth date, and XXXX-based mobile phone number. I don't have any magazine subscriptions, and do not live in XXXX. Just because I have a common name does not mean I should be harrassed by companies like this who have TERRIBLE reviews with the XXXX XXXX XXXX for similar actions with many others.
Consumer complaint received 2017-07-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (GA)

XXXX  2017, a collection was added to my credit report from CMRE Financial Services , Inc. Additionally, no written communication was sent to me from CMRE about this alleged debt before it was added to my credit report.   XXXX   XXXX  , 2017, I sent CMRE a certified letter informing them that I was unaware of of any outstanding medical debt, to send me debt validation/HIPPA authorization & a copy of my signature with the service provider to release my medical information to them, and to cease credit bureau reporting until the debt has been validated.
In turn, on   XXXX   XXXX  , 2017, a correspondence was sent to me from CMRE stating " we have your disputed notification, but we are unable to conclude an investigation as we have not received sufficient information to substantiate the basis of your dispute. '' CMRE has not, as requested, provided me with full documentation of what they have received from the provider of service in connection with this alleged debt, thus violating my rights under FDCPA.