davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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. (MI)

I paid off XXXX $ in credit card debt this month and my score only went up XXXX points and the experian credit score stimulator estimated that if I paid XXXX $ my score would have gone from XXXX to XXXX but my score is now only XXXX and I need a good score to obtain balance transfer credit cards. Before I purchased my vehicle my credit score was in the XXXX range so someone is intentionally tampering and fraudulently lowering my score to prevent me from getting balance transfer cards to get out of debt. That is illegal.
Consumer complaint received 2023-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have asked the CRAs to verify these accounts and they did not provide any documentation or proof. I have provided numerous police reports, proofs, and verification. They did not contact me nor did they verify it with me, the consumer. 

Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.
Consumer complaint received 2018-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (FL)

On XX/XX/XXXX, I received a notification email from XXXX XXXX indicating a debt was added to my XXXX credit report from XXXX XXXX XXXX. I have NEVER received any correspondence for this debt nor did I know the debt existed or who the creditor is for the debt. I was never given a chance to dispute, negotiate or pay the debt yet said debt has been reported as collections. My home address has not changed and not one piece of mail has been received or one phone call about this debt existing. Debt collectors, by law, have to notify debtors about existing debt and give them a chance to take care of the debt, or dispute it before reporting to credit bureaus. XXXX XXXX XXXX reported this debt on XX/XX/XXXX and this is a violation of 15 USC 1692g 809.Validation of debts.
Consumer complaint received 2021-12-17
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. (PA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-17
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. (PA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-17
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: EQUIFAX, INC. (PA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

NewRez responded to our Complaint number XXXX on XX/XX/2021. 

NewRez 's XX/XX/2021 response states, " Newrez received the homeowners payment of {$940.00} on XX/XX/2021 and per the homeowners instruction applied it to principal and escrow instead of the XX/XX/2021 post-petition and contractual payment '' We at no point in time ever instructed NewRez to use the check they received on XX/XX/2021 in the amount of {$940.00} as an PRINCIPAL AND ESCOW ONLY PAYMENT as NewRez is falsely claiming in their response. It is also clearly written on the check and letter we attached to the check that it was intended for the XX/XX/2021 Due Date of PRINCIPAL, INTEREST AND ESCROW. 

In fact, we sent in a certified letter, attached to the check that NewRez received on XX/XX/XXXX, specifying that the check in the amount of {$940.00} for the XX/XX/XXXX due date and was to be allocated as a payment of PRINCIPAL, INTEREST AND ESCROW. 

Attached is the letter we sent of attached to the check for {$940.00} that NewRez received on XXXX, XXXX 2021 specifying that the check was for PRINCIPAL, INTEREST AND ESCROW, NOT JUST PRINCIPAL AND ESCROW as NewRez is claiming. 


XXXX. NewRez needs to immediately deposit the appropriate amount of funds that were due to be paid on our account for INTEREST for the XX/XX/2021 Due Date, the funds we specifically said were to be allocated as Principal, Interest and Escrow as we contractually owe 12 yearly payments of PRINCIPAL, INTEREST AND ESCROW. 

XXXX. NewRez needs to acknowledge that we never gave them Instructions or permission to use this check received on XX/XX/2021 in the amount of {$940.00} for PRINCIPAL AND ESCROW only. 

Our mortgage account now has a missing interest payment of which NewRez needs to resolve their error.
Consumer complaint received 2021-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I AM the consumer and I have not consented to, authorized, nor benefited from the following accounts or inquiry. Block and remove the following accounts from my consumer report as I have a right to privacy pursuant to 15 USC 1681 a ( 4 ). 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I the consumer did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions I the consumer did not request this information to be blocked in error
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IA)

MULTIPLE FRAUD CHARGES FROM XXXX TO MY WELLS FARGO CARD. 

I dont use XXXX, i use XXXX XXXX im out of a lot of money and trying to get in contact with XXXX  support leads me nowhere. 

Never had any issues with Wells Fargo before but this needs to be fixed ASAP. 

- XXXX
Consumer complaint received 2020-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

On the XXXX XX/XX/2016, I fell prey to a sophisticated fraudulent retail profit pool company by the name XXXX XXXX ( the Company ). Money was transferred from my account to the Company via a bank wire for a total amount of XXXX GBP utilizing JPMorgan Chase Bank, N.A.services.
Consumer complaint received 2018-02-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (MO)

I paid the car off on XX/XX/2018, the finance company was GM Financial, There was an overpayment of about $ 130+ I got a letter from GM Financial stating the loan was paid off and I got a payoff letter along with the paid contract, but NO refund check, they said I would get that latter before 30 days. They say they mailed it out at the 30 day mark, but over a week later I still do not have my refund. If I am late with my payments, they charge me a 30 day late fee, and they submit my error on my credit report. I called and asked why I do not have my refund and was told it can take 2 weeks in the mail, I can not see why this takes that long, I dont believe they mailed the check, and if they did, it only takes about 3 business days at the most. This is ridicules.
Consumer complaint received 2015-05-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

This is my XXXX complaint against my mortgage company. For this complaint, I called last XXXX to get information for a Deed in Lieu of Foreclosure. I was told by the agent that I had to attempt a short sale XXXX for XXXX before a Deed and XXXX could be considered. Speeding up on the same subject, about XXXX months ago I requested information for a short sale. The information provided had all work out options including Deed in Lieu. I read the information for a Deed in Lieu and it did not say anything about having to do a short sale. I called again and spoke to a representative and agreed with what the paperwork said. She tried to go back in the notes to see why he would tell me that but she said she said since my account transferred to a new system, she did n't have access to anything earlier than XXXX 2014. How convenient. She said I can still attempt a Deed in Lieu but since my house is already up for sale I just wanted to finish out this option first. After submitting the shortsale information, I received correspondence stating that they received my request for a loan modification and I will receive additional information for what is needed. I clearly filled out the information for short sale and not a modification. I added the information for my realtor and her contact information, giving permission to speak with her. Then I received a letter from an Attorney basically suing me and I had to respond to the Answer, which I did. I called last Wednesday and the lady at the law firm could not find anything for me, not even a file. She transferred me to XXXX which just happened to be a mailbox, I explained I just wanted to verify again that it was received. If not, then I can fax the information over. I did not receive a call back, letter or anything. What I did receive today was a Motion for Default Judgment because I failed to respond. I called the law firm again and they were closed. I called the mortgage company, and of course he had no information on file. He suggested I speak with the short sale department and explain the judgment to see what has happened. He transferred me and they were closed. I ca n't deal with them on my own anymore. I keep trying to do the right thing and just not walk away, and sell the house and not leave it empty, but I still keep getting the incorrect information. That is not fair to me at all. I am trying to do right and have a lot of things on my plate besides this and I am still getting screwed. I do n't have the money to hire an attorney but if I have to I will make sure Ocwen absorbs the cost. I have done everything I was suppose to do and I still get sued.
Consumer complaint received 2024-02-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the recent reporting of a late payment on my account # XXXX, XXXX. Upon reviewing my credit report, I discovered that XXXX and XXXX XXXX XXXX incorrectly marked my accounts as 30 days late. This discrepancy is unwarranted and inaccurate.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP (FL)

I opened a claim on CFPB under this number XXXX I was requested by the bank to call them to start the claim requested but on the number they provided XXXX XXXX XXXX there is a record message saying " we are unable to accept this call due system restrictions '' ( Im not in the USA right now ), also I called XXXX XXXX XXXX and they can't help me because the account is closed, they gave me two different numbers XXXX XXXX XXXX / XXXX XXXX XXXX and on that phone nobody answer. 
So as you can see is impossible to call the bank for this issue. 
I have the right to request to open a claim by mail or fax, is not needed compulsory by phone. 
So please proceed as requested or give me a fax number to send this letter. 
Thanks
Consumer complaint received 2022-02-07
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. (GA)

I really don't have much to say! I am just extremely frustrated with you all. I have reached out countless of times about the inaccurate item that is being presented on my credit report and I have been ignored. Nevertheless I will seek litigation if this continues. I have provided countless and countless of information proving that the accounts do not belong to me. This item has been destroying me and my family hopes of purchasing our first home. I am a single parent that has been slaving for years and saving up to provide my family the life I never had! Please remove this inaccurate item or I will seek litigation for each violation immediately!
Consumer complaint received 2022-02-08
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: CCF Intermediate Holdings LLC (MO)

on the one inquiry dated on XX/XX/2022 the company check into XXXX XXXXXXXX telephone # XXXX would put me through a series of diffrent departments then the phone call would alw3ays drop on numerous calls. Inquiry # 2 company name XXXX phone # XXXX i spoke with an associate to inform them i had no recollection for this credit account, i was told to pursue the matter with XXXX in order to have it removed.
Consumer complaint received 2019-12-27
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. (GA)

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Accounts Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  each of these accounts 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 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ON THIS CHARGE COMPLAINT TRANSUNION I HAVE A FRAUD ALERT ON THERE I ALSO HAVE A CREDIT FREEZE ON THERE ON ALL CREDIT REPORT AGENCY ALL OF THEM XXXX LETTING THIS CREDITOR COMPANY RUN CREDIT CHECK ON MY CREDIT REPORT TO MY UNDERSTANDING WITH ALL XXXX CREDIT REPORT AGENCY THAT WHEN I HAVE FRAUD ALERT ON THERE AND FREEZE THAT THAT FORCE TO BLOCK ANY CREDIT COMPANY NOT FORCE TO GET INFORMATION ON MY CREDIT REPORT ALL THREE CREDIT REPORT AGENCY TOLD ME NOT NECESSARY THAT WOULD BLOCK THEM WHAT'S THE POINT OF ME ADDING THESE ALERTS AND THEY STILL LETTING THEN RUN MY CREDIT ON TO OF THAT THEY STILL WANT FIX MY CREDIT REPORT THEY STILL WILL NOT BLOCK THEM REFUSING TO CONTACT ME TO VERIFY IF IT WAS ME THEY STILL LYING ABOUT BLOCKING MY CREDIT REPORT FROM THESE CREDIT COMPANIES
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I informed bank of america that i had not made these transactions and they said nothing was wrong with transactions. I had informed them of my identity theft from me in which they fail to adhere to. I am currently unemployed and bank of america has allowed the money that was awarded by a judge to stolen and dose not want to fix the problem per efta i have 3 daya to get a response on which i didn't
Consumer complaint received 2021-12-17
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. (NJ)

Requesting for the block/removal of ( 2 ) fraudulent items from my credit report. Here are the details : Date of Discovery : XX/XX/2021 Account # 1 Amount ( {$20000.00} ) Account # 2 Amount ( {$3400.00} ) Actions Taken By Me : - Filed Federal Trade Commission ( FTC ) Identity Theft Report - Filed Local Municipality Police Report - Contacted both Credit Reporting Agencies in which the items were reported ( XXXX /Experian ) - Worked with XXXX to successfully remove items in XX/XX/2021 - Put in Dispute with Experian on XX/XX/2021 2021
Consumer complaint received 2021-12-17
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: Experian Information Solutions Inc. (OH)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 and XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.