davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
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: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-09
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. (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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 


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 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several accts on my TranUnion report from DEPTEDXXXX that are old. 
I've disputed the items through my account on their website and called to dispute the outdated accounts and was told that I can't dispute them or they would move the reported date so that the item reflects a date more recent than was originated, so the item will stay longer on my report. The item was reporting past due when it had been transferred to another company and was an account over 7yrs. I contacted TransUnion by phone regarding this matter and was told that nothing can be done about it. I then asked how was this fair and accurate credit reporting if the information is wrong. The rep I spoke to told me that IF they were to verify w/ DEPTEDXXXX they ( meaning DEPTEDXXXX ) would say it's reporting correctly and the item would stay longer on my credit. 
I want the old items from DEPTEDXXXX removed from my report so that it's accurate.
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I paid off my mortgage in XXXX to Dovenmuehle Mortgage and still have not received my escrow refund. 

XX/XX/XXXX - I paid off my mortgage and the payment cleared. 

XX/XX/XXXX - I called Dovenmuehle to check in and was told that my escrow refund would be issued soon. They said to call back in a week. 

XX/XX/XXXX - online records show a check was issued. 

XX/XX/XXXX - I called because I still hadn't received my check, and was told to call back if I didn't receive the check by XX/XX/XXXX. 

XX/XX/XXXX - I called because I still hadn't received my check. They told me that the check was mailed, but to the wrong address. For some reason when they mailed the check they did not include the unit number, even though it's on our loan documents. I spoke with XXXX, and she said that I would need to submit a change of address form and then she could mail me a new check. I asked to have the money sent via ACH or a check overnighted, and she said I'd have to wait until XX/XX/XXXX for that to happen. I requested to speak to a supervisor, and she said they would call me back later that day. They never called me. 

XX/XX/XXXX - I called to request an ACH for my escrow funds, and was told that a supervisor was unavailable. The customer service rep said she was going to send my bank information to a supervisor so that they could process an ACH. 

XX/XX/XXXX - I called again and talked to XXXX. She told me that I'd need to submit a voided check to get an ACH. She said that the CSR I spoke to was wrong, and that they don't have any of my bank account information saved. I asked if I could speak to someone who could process the ACH immediately, and she said that I could not. She said a supervisor would call me back within 24 hours. 

XX/XX/XXXX - I emailed all of the information above to XXXX to try to get my escrow refund.
Consumer complaint received 2020-06-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Funding LLC got a default judgment against me in XXXX, I found out about the judgment in XXXX. Then I filed a motion to set aside/vacate judgment. The judge would not vacate the judgment stating " The he believes that i was served because Midland Funding LLC produced a last minute postal ticket saying that i was served. 
I WAS NOT SERVED, I REPEAT, I WAS NOT SERVED. I proved to the judge that I was not even home at that date ( witness affidavit ) and I proved that I was NOT my signature, I tracked the ticket and the ticket showed Nothing as I was " untrackable ''. Though the judge believes the Process server as Midland claims they got the Postal ticket from the Magistrate who issued the default judgment. I need help here as I'm feeling very cheated because I was never served anything to appear.

My i also mention that Midland Funding LLC has violated almost every FDCPA & FCRA in the book, i proved/showed the judge over {$12000.00} in violations by them and nothing is being done.
Consumer complaint received 2023-01-02
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2023-02-01
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)

XXXX credit card accounts were opened fraudulently in my name in XXXX and XXXX of XXXX, respectively. XXXX with XXXX XXXX and the other with XXXX XXXX XXXX XXXX. I immediately contacted both companies once I became aware of the fraud and they each closed the accounts and sent me confirmation letters. Both XXXX and Transunion both still show credit inquiries from both creditors still to this day and they tell me that the only way to get them removed is to start a complaint with the CFPB.
Consumer complaint received 2020-12-14
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: Fidelity National Information Services, Inc. (FNIS) (TN)

I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I am unable to purchase a house or do anything with this inaccurate information on my report. Please remove these as soon as possible.
Consumer complaint received 2023-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERICAN INTERNET MORTGAGE (AZ)

I purchased a townhouse in Arizona in XXXX. My HOA provides a master insurance policy that covers the structures to the inside walls. My understanding is that if my property burned down today, the lender would be made whole with that coverage ( they could, with that insurance, rebuild my townhouse ).

My loan servicer just changed in XXXX as it has many times over the 16 years I've had my mortgage. The new servicer is requiring an " HO6 '' policy to supplement my HOA 's policy. My understanding is that an HO6 policy covers improvements I make to the inside of the property. 

Currently, I have no improvements to the inside of the property to insure. Everything is original builder-grade from when the property was built in XXXX ( flooring, window treatments, kitchen, etc. ). I called the new mortgage servicer to ask what coverage limit I was required to have given that I have no improvements to cover. They are requiring that I cover the entire $ XXXX unpaid balance of my mortgage. They didn't have any answers on how that balance relates to improvements inside the home, and they are placing their own expensive insurance until I come up with my own. 

This seems abusive to me. It seems like they are using a backdoor to get the equivalent of private mortgage insurance from me. I worked and saved to put down a down payment that avoided such a requirement, and have since gained substantial additional equity. I have excellent credit ( XXXX ) and have never missed or been late with a mortgage payment. It seems unfair for them to add a new $ XXXX bill to my monthly expenses to cover their own risk with no conceivable benefit to me.
Consumer complaint received 2023-01-02
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. (CO)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. I DOWNLOADED A SOFTWARE YEARS AGO TO MY COMPANY THAT ENDED UP HAVING A VIRUS ATTACHED TO IT THAT ENDED UP CLEARING EVERYTHING FROM MY COMPUTER AFTER STEALING ALL OF MY PERSONAL INFORMATION FROM ME. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT RECENTLY AND NOTICED THERE IS A TON OF FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-03
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)

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.

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 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-03
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

There have been unauthorized disclosures of my personal identifying information. XXXX, TransUnion and XXXX are fraudulently furnishing the information listed below. 

The information which appears on my credit report does not relate to any transaction ( s ) that I have made. 

This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. 

I did not authorize, or consent to this information. 

This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. 

This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website. If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes. 

FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me. Nonaffiliate opt-out. If the financial institution shares personal information pursuant to 313.10 ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.
Consumer complaint received 2019-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION (IL)

I have submitted six disputes since XX/XX/2019 and have not received credit for any of them, nor received any correspondence from Alliant subsequent to disputing the charges. I believe I have been illegally required to pay the charges under dispute as they were included in the statement balances. 

XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX {$10.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX.XXXX/XXXX  {$15.00} Invalid Amount Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX {$12.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX {$10.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX {$270.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX/XXXX  {$59.00} Credit Not Received Submitted
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.
Consumer complaint received 2021-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2021 made a XXXX $ XXXX  transaction to an email not realizing it was a scammer. Then bought 4 gift cards of XXXX $ and sent it to the same person the same day and called the bank of america customer service and said they could not help me with refunding the money. Its really upsetting because i have never been scammed before in my life and the fact that the bank could not help me get my money back is frustrating they just locked my account and theres no way i can open it again and i need it to pay my stuff.
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 30 days past due as ofXX/XX/XXXX2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Consumer complaint received 2023-02-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

On XX/XX/XXXX, XXXX of my student loans was forgiven in the amount of {$6600.00} out of the {$30000.00} due to my VA XXXX statues. AES as company reported this action as a write -off to my credit reports dropping my credit score in XX/XX/XXXX. I called them and customer service stone walled me from talking to anyone redirecting to fill out a credit report review form. I completed the form. Two months later, my credit is still reporting the same way, I am expecting a 1099 for the write off debt now and the company has not said anything to me.

My student loan payments were on time. I was paying my loans even for the year after I became disable because I did not think these loans were forgivable. When the Department of Education forgave my student loans they just wiped out the credit history of the loan. I do not understand this line of practice where I am being punished for being a XXXX veteran.
Consumer complaint received 2020-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

Hello I contacted the Heartland ECSI and set up and E account in XX/XX/XXXX. Time passed and around XX/XX/XXXX. I contacted Heartland ECSI to confirm the balance could still be paid. I was told yes and that the account was XXXX and would be applied immediately to XXXX XXXX XXXX. So I paid a outstanding tuition balance in the amount of {$950.00} it cleared my account on XX/XX/XXXX via ACH Debit using my chase checking account XX/XX/XXXX. Web Id is noted below. 
EDUCATIONAL COMP EPAYMENT XXXX WEB ID : XXXX ACH debit {$950.00} Since I completed the transaction online via my Heartland account portal XX/XX/XXXX. I followed up on the XXXX with Heartland ECSI and the customer service representative XXXX XXXX Told me the amount had been paid in full. 
I contacted the XXXX XXXX XXXX registrar 's office to request transcripts XX/XX/XXXX. XXXX Student accounts office explained that they have several active services with Heartland ECSI but past due tuition collections for my XXXX student account was no longer a service they partnered with Heartland ECSI. Specifically I spoke with Mrs. XXXX who is Director of Student accounts ( XXXX ) a made it clear to me in certain terms that I needed to request a refund from ECSI and pay the university directly. That the information I received from the previous Director of Student accounts was no longer accurate. 

I immediately followed up with Heartland ECSI repeatedly contacting there offices, requesting a refund which they have refused to give me. I spoke with 3 customer service reps two managers and was told don't call anymore and that I would never see my money again. Every heartland ecsi representative has told me that they can see the payment and that the monies are sitting in some XXXX account that the University ( XXXX ) has access to so they consider it paid. The University has told me that this account is associated with a service agreement that is no longer active so they do not access this account. I insisted but to their defense I did not pay the University I paid Heartland ECSI and they can not provide proof of payment to XXXX. I call repeatedly in XXXX of each year only to find that my money sent to them 2 years ago to this day are still sitting on the companies books in some erroneous XXXX account and have not been paid to XXXX XXXX XXXX.