davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
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. (MO)

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. 
Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX Account name : 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 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 2020-08-06
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. (GA)

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX XXXX to XXXX XXXX credit cards etc. I can go on and on but i will attach the dispute letters that was sent to them back in XXXX, along with my correct documents and i hope to hear from you soon.
Consumer complaint received 2020-08-06
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2020-08-06
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2020-08-06
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: Prosper Marketplace, Inc. (OH)

I have a loan with XXXX XXXX XXXX XXXX, PROSPER MARKETPLACE IN, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX  and XXXX XXXX XXXX  XXXX, PROSPER MARKETPLACE IN, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-06
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: SYNCHRONY FINANCIAL (MI)

Purchase Date : XX/XX/XXXX Purchase Item : XXXX XXXX XXXX Router Purchase Amount : {$210.00} Router is not secure and showing an inordinate amount of activity. XXXX XXXX XXXX customer service advised that someone had gained access to the router, that they cold not fix, and to speak with someone at the store in which it was purchased. 

The XXXX, MI XXXX XXXX XXXX store, without looking at the router, told me that XXXX XXXX XXXX customer service was wrong and that there was nothing they could. 

Thus, a claim was filed with PayPal as this Master Card was issued by PayPal. 

The following letters to PayPal and emails I have received are attached. 

In addition, because I have an automatic call recorder on my phone, the numerous phone calls I have had with XXXX XXXX XXXX and PayPayl are available. 

These phone calls will help to verify the conversations with XXXX XXXX XXXX mentioned above. They will also verify that I have been told by PayPal that they never attempted to contact XXXX XXXX XXXX and that the questions I answered regarding the email of XX/XX/XXXX were ignored. 

In this case, it appears that PayPal did not adhere to their own policies and procedures.
Consumer complaint received 2020-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have a loan with CAPITAL ONE BANK USA, XXXX   XXXX  XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and CAPITAL ONE BANK USA, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-06
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: Resurgent Capital Services L.P. (NY)

I have a loan with XXXX  XXXX XXXX  XXXX, XXXX XXXX, and LVNV FUNDING ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a loan with XXXX XXXX XXXX XXXX, CAPITAL ONE, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX   ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, CAPITAL ONE, and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-02-07
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: Early Warning Services, LLC (AZ)

PLEASE SEE ATTACHED. 

I DID NOT ASK FOR YOUR NON SENSICAL EXPLANATION- I ASKED FOR PROOF - PLEASE DO NOT SEND ME XXXX  ABOUT A DIATRIBE THAT IS NOT A SWORN AFFIDAVIT UNDER PENALTY OF PERJURY. I AM NOT INTERESTED OF YOUR NON SENSE STATEMENTS UNLESS YOU ARE PREPARED TO BE SUED. YOU HAVE NEVER PROVIDED ANY PROOOOOF. YOU ARE SIMPLY DIVERTING BLAME TO SOMEBODY ELSE INSTEAD OF PROVIDING THE ONE AND ONLY THING THAT SHOULD SUPPORT YOUR CLAIMS. YOU DO NOT HAVE A CONTRACT WITH ME. CFPB STOP CLOSING THE CASE WHEN YOU KNOW VERY WELL THEY HAVE NEVER PROVIDED ANY PROOF UNLESS YOU WANT TO BE INCLUDED IN THE LAWSUIT.
Consumer complaint received 2020-08-06
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. (NY)

In XXXX last month after informed the Credit Bureau of prior identity theft securirty issues Ifroze my account. ( XX/XX/XXXX ). It was told several. times by the CreditBureau that my identity has to be verified first if any review in any reveiw inquires. I also informed all companies that my credit privacy protected under the Disaster Protection for Workers Credit Act of XXXX needs be an obeyed law. Several NY Real Estate Companies without my consent stated they can by pass that and I have documentation that it caused several ( 25 point loss- in total 5 in the oast month and more if starting all the way when Covid 19 began and at that time I had been sick with it. I also have documentation that from XX/XX/XXXX I was vacated out of my apartment due to fire disaster by the XXXX XXXX and placed in a shelter where I still am. 

I am a full time XXXX XXXX XXXX  in the XXXX and will be in 3weeks XXXX in person and desperately need to find an apartment for health/safety /no reexposure to Covid. I. have applied to apartment near my XXXX  and they need my score to be XXXX which it was before Covid and they are holding the applciation open for me until Friday XX/XX/XXXX as I never expected to be violated like this and my score plummet wihich is also against the Disaster Protectioin Workers Credit Act of XXXX. I also paid in full the three accounts in negative and askng for this emergency request.. If I dont get this apartment I may quit my job I had for 10 years because I. refuse to be at health risk living at this shelter/put children and other staff at risk. Here below are the unarthorized : 1.XXXX XXXX XXXX XXXX via XXXX XXXX ( did not authorize and they also threatened me and I making a police report on Friday XX/XX/XXXX as this is the first I am back in XXXX after visiting family. ( illegal tenant screening and fake application signage ) XX/XX/XXXX 2XXXX XXXX XXXX TransUnion Screening XXXX XX/XX/XXXX 3.XXXX Application XXXX/XXXX 4.XXXX Application ______________________________ additonally did not authorize any of these below XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXrequest -never autherized XX/XX/XXXX XXXX XXXX- Insurance underwritng XX/XX/XXXX
Consumer complaint received 2020-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (KS)

On Monday XX/XX/XXXX I chatted with Citibank and requested three stop pays on payday loans for XX/XX/XXXXXX/XX/XXXX. I received verification of the stop pays in the mail. On XX/XX/XXXX they posted. I messaged them again on XXXX to inquire about them and was not given a response as to why the stop pays werent honored. Instead, they asked me if I had revoked the debits and I said yes. They told me that they would open a dispute and it would be settled within 10 days. In the meantime, they have been charging overdrafts and returning items! I had also asked that they stop and further ach debits from my account. This is not happening. I want the items returned and any overdraft fees reversed as this was their error and not mine. This is not the first time theyve not honored a stop pay. Very deceptive.
Consumer complaint received 2020-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2020 I placed a trade online while market was open and bought 50 shares of XXXX ( XXXX ) at {$24.00} a share with a {$2000.00} deposit.When I previewed the trade online the bid amount has a margin of $ XXXX.When I submitted the trade few minutes later it sold for {$24.00} leaving an available cash to withdraw of $ XXXX.I transferred the available cash back to my Bank Of America checking account and submitted the trade. 
On XX/XX/2020I received a email from Merrill to deposit more cash ( {$600.00} ) I suspected something was wrong after I placed the trade.I called Merrill and spoke to a representative who said I need to deposit {$590.00} cash for the trade.I told her I submitted the trade for $ XXXX/share and not $ XXXX/share.Also offered to have the stocks as collateral and have them net off the difference when XXXX stock price appreciate.XXXX stock plummeted that day to less than $ XXXX/share.She said someone else will call me.No one called me back on XX/XX/2020 
On XX/XX/2020 I received a call from another female representative ifrom Arizona.She threatened to sell XXXX stock if I don't make a deposit of {$590.00} to cover the trade. 
I told her that's unacceptable then XXXX stock lost value sold for under {$15.00} ( see attached documents ). 
OnXX/XX/2020 I called Merrill and spoke to a XXXX XXXX to see how I can resolve the issue.I suggested applying for margin and use the stock as collateral which I did after the call.At closing of trading on XX/XX/2020 43 units of my XXXX stock was sold by an insider for {$14.00} a share against my wish and lost {$1200.00} left me with 7 shares of XXXX stock.All this happen pending the margin application submitted same day. 
I'm requesting my total refund of amount invested ( {$1200.00} ) or 50 shares of XXXX stock originally bought.
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

During my divorce 10+ years ago, my ex-wife ran up all the credit cards in my name and cancelled the ones in hers. One card was with XXXX XXXX XXXX  ; the amount owed was {$25000.00}. 

I tried several times to explain to Portfolio Recovery Associates the situation, but they continued to send me collection notices.

Since the original 1st missed payment was in 2009, the debt is now more than 10 years old ( definitely more than the 7 year statue of limitations ).
Consumer complaint received 2023-06-29
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: OneMain Finance Corporation (WA)

After throughly investigating all agreements & disclosures provided to me by ONEMAIN FINANCIAL GROUP LLC on XX/XX/2021, it has been determined that ONEMAIN FINANCIAL GROUP LLC 's contract and or agreement used fraudulent inducement when it failed to uphold it's obligation with respect to the disclosure of the consumers personal information because the provided disclosure 's falsely represented, concealed, suppressed and or intentionally failed to disclose material facts required by 15 US Code 6802 ( a ) ( b ) ( 1 ) of the GLBA ; which deceived and was intended to deceive the consumer into believing it had no right or option to Opt Out of having it's account information furnished to consumer reporting agencies, when in FACT it did. 

After deceiving the consumer, ONEMAIN FINANCIAL GROUP LLC deprived the consumer of it's right to privacy by furnishing private account information to consumer reporting agencies without the consumers expressed consent and without any other lawful authority. These acts constituents Identity Theft pursuant to 15 US Code 1681 ( q ) ( 3 ) and RCW 9.35.020 and establish existing FRAUD and therefore VOIDS the contract and makes it un-enforcible. 

These criminal acts have caused the consumer damages in the form of loss of opportunities and wages.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2020-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (MI)

Gregory Funding is trying to collect $ XXXX month ( over {$2400.00} a year ) for my escrow account on my mortgage. I've provided proof that my current property taxes for this year have totalled to about {$910.00} for the year. They have said they would reexamine my escrow, but have not contacted me, not has my escrow amount due changed.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (FL)

This is the fourth complaint about a mortgage on the same property, same loan amount. The loan has been satisfied. I had to file a complaint against XXXX, Seterus, Mr. Cooper and now Nationstar Mortgage who has reported inaccurate information as of XX/XX/2020 to the credit reporting bureaus which has caused the creditors to lower my credit status which causes many problems during our COVID-19 pandemic. 

I will attach the same documentation I used to get the above mentioned lenders to successfully remove the derogatory information from my credit file. When trying to contact Nationstar using the phone number on the credit report- XXXX, I get Mr. Cooper . I sent proof of satisfaction of payment to Nationstar to the addresses on the credit reports.
Consumer complaint received 2020-08-06
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. (MI)

XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX The company above indicates that I have an account with them on my XXXX XXXX Report and I did not open this account .... I am from Michigan and would not or ever have been in Delaware to open this account.. It has harmed my credit score buy dropping several points. It has been reported to XXXX XXXX yet it is still on my credit score ... THIS IS NOT MY ACCOUNT and IDID NOT OPEN THIS ACCOUNT.. I have r=tried to contact Equifax to dispute this account and their web page will not allow me to complete the dispute form online ... ... Apparently Equifax is supplying the misinformation to XXXX XXXX that is affecting my credit score negatively ... ..
Consumer complaint received 2020-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On Monday XX/XX/2020 I hired a contractor, which ended to be a scam, and I sent him {$4000.00} dollar from my account at Bank of America through XXXX. As it resulted as fraud contractor, I called the bank to support me with fraud but they say that my transaction was like given cash. I was not aware from the bank how XXXX works. As a customer of Bank of America I felt that they dont protected me.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (PA)

My issue is with my current mortgage owner/servicer : Vanderbilt Mortgage and Finance , Inc XXXX XXXX  XXXX XXXX, TN XXXX I refinanced my mortgage in XX/XX/2020, which required an appraisal. The refinanced loan came with PMI since my LTV ratio was greater than 80 %. The appraised value for the home at refinancing was {$620000.00}. I recently paid down a substantial portion of my loan so that the current balance is below {$500000.00}, meaning my LTV ratio is now just below 80 %. Because my LTV dropped below 80 %, I requested via phone to have PMI removed from the loan. 

My loan is a conventional loan and my loan documents state that I am eligible to request PMI cancellation when " the principal balance reaches 80 % of the original value of the property '', with the original value being interpreted as the appraised value relied upon by the refinancing lender. 

The first representative I spoke with at Vanderbilt Mortgage told me I am not eligible for PMI Cancellation because my LTV ratio is not below 80 %. When I asked how they were calculating LTV ratios the representative said they take the ratio of the current loan balance to the balance of the loan at origination. Understanding this is computation of an LTV ratio is incorrect, I requested to speak with another representative. 

The second representative also assured me that I was not eligible for PMI cancellation, yet provided different reasoning. This representative informed me that I have a " special loan '' which requires PMI throughout the duration of the loan, meaning PMI will never be removed. I am assuming the representative was misinformed about differences between FHA and Conventional Loans. 

I have since sent a formal letter to the mortgage servicer, but have yet to hear back.