davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TODAYS DATE:XX/XX/2020 XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported :XX/XX/2020 XXXX/XXXX  Reported : XX/XX/2020 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ********* ( copied from the affidavit attached ) *********
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IN)

I received the Citi card and looked at the terms. I didn't like terms and called XXXX. I was informed that the conversation was being recorded, so I said that I would record it as well. I was than connected to a man and told him I wanted to cancel the credit card. He told me if I would stay a customer that he would give me air miles. I told him I didn't like the terms of the card and asked to cancel. He went on telling me different cards, and would not entertain my 20 or so request to cancel the card. I became very frustrated and angry at his behavior and asked to speak with his supervisor which he ignored. I told him that I would file a complaint, which didn't fase him and he continued to go through all the benefits of being a customer. This went on for 14:57 minutes. I was informed via the introduction that the conversation would be recorded, so I said I would record, it without response. I received the Citi card and reviewed its terms. However, I wasn't satisfied with them and decided to cancel the card. I called XXXX and spoke to a representative, explicitly stating my intention to cancel the card. The representative tried to persuade me to stay by offering air miles, but I firmly declined and repeated my desire to cancel. Despite my repeated requests to cancel the card, the representative kept trying to convince me to stay and offered different card options. This caused me to become increasingly frustrated and angry, and I demanded to speak with his supervisor, but he ignored my request. The representative continued to promote the benefits of being a customer, and the conversation lasted for 14 minutes and 57 seconds. He was still going thorough his pitch when I hung up in frustration. XXXX XXXX
Consumer complaint received 2020-03-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

My house was originally for sale, and myself and the buyer were supposed to close on XX/XX/2020. The deal fell through because of my buyers financing. 

I called PennyMacUSA to inform them of what happened, and to express to them that I have every intent on paying them what I owed ; Although I was still planning on selling my home. 

I spoke with a young lady by the name of XXXX XXXX, and she informed me that I owed PennyMacUSA a total of {$5700.00} which included late charges and credit for partial payments. I told her that I did not have that kind of money on hand immediately but I could pay her a total of {$2500.00} right away to chip away at what I owed ; Leaving a total balance of {$3200.00}. 

We looked into some options to keep my home from going into default. She stated that I qualified for a repayment plan, and that I would be receiving a letter to show the terms of the repayment plan. When I received the letter it stated that I would have to pay a monthly total of {$2800.00}, for a total of 4 months ( XXXX-XXXX  ) ; With a final payment of {$2100.00} for the month of XXXX. 

I called PennyMacUSA and asked them how did my monthly payments get so high when I only owed them a total of {$3200.00}? My monthly payments originally were only {$1200.00}? She told me that the extra money would be applied to my principal. She asked me did I agree to the terms and I said NO, that the terms were not fair. She said that I had until the end of XXXX to change my mind about the repayment plan. I stated that I would try to come up with what I owed on my own, before agreeing to those terms ; The call ended. 

Now XXXX has rolled around, I paid off all of my other bills before I decided to deal with PennyMacUSA. I said to myself, " I will see what I have leftover, so that I can know what I need to borrow ''. When I checked my account, I noticed that PennyMacUSA had already deducted the normal payment amount out of my account. The only issue that I took with this, was that it was an unauthorized payment. When I spoke to an agent over the phone about this matter, she stated that I agreed to the repayment plan. I informed her that that was not a true statement, I remember clearly not agreeing to the terms. She repeated that I did, and that she had me on tape agreeing to the terms ; An argument ensued after that. I also still have the original repayment plan agreement that was sent, and that I never signed as well. 

Overall I feel as if they were just looking to take my home, and they never really wanted to work with me on a repayment plan in the first place.
Consumer complaint received 2020-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

On XX/XX/XXXX ( incorrect date on letter but see fax receipt confirmation ) I sent a fax to Rushmore requesting my PMI to be canceled based on my house appreciation. Rushmore replied explaining that my loan to value had not reached 80 %. 
On XX/XX/XXXX I sent another fax to Rushmore explaining the value of my house now is {$230000.00} and by balance is {$160000.00} putting my loan to value a little over 70 %. Rushmore replied with the exact same answer explaining that my loan to value had not reached 80 %. 
On XX/XX/XXXX I sent another fax to Rushmore explaining explaining the value of my house now is {$230000.00} and by balance is {$160000.00} putting my loan to value a little over 70 % and asking the steps I needed to take to have my PMI canceled. Rushmore replied with the exact same answer explaining that my loan to value had not reached 80 %. 
on XX/XX/XXXX I sent another fax to Rushmore explaining explaining the value of my house now is {$230000.00} and by balance is {$160000.00} putting my loan to value a little over 70 % and stating that I expected them to present me with options or steps to take to have my PMI canceled.
Consumer complaint received 2022-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX / XXXX / {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) / XXXX / {$860.00} XXXX XXXX / XXXX / {$0.00}
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Experian is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. I spoke with an agent on XX/XX/2022 regarding the removal of these fraudulent accounts and as a result of the several laws that I had listed that were and continue to be broken by Experian, account were successfully deleted. Subsequently, the account was added after no notice was given as per the law. With blatant disregard for FEDERAL LAW, the account has been added to my consumer report. This is a blatant disregard for the law since they aren't following the instructions of law according to the FCRA. Please see attachment.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I tried to open an Equifax account on XX/XX/24 so I can easily freeze and unfreeze my credit score. During the registration process it gave me an error saying " We can't complete your enrollment at this time. Please call the Customer Care Team at XXXX. '' I tried two separate times and my second call I was on hold for XXXX minutes before giving up.
Consumer complaint received 2024-04-11
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: CITIZENS FINANCIAL GROUP, 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 U.S.C 1681 XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX USC 1681 also states I have a right to privacy I didnt give permission for these items and they are fradulent not got by me also code 42/408 states that because there is no lawful money using my social security number at any establishment for credit transactions or loans is a crime.
Consumer complaint received 2020-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Now, the Fair Credit Reporting Act states that the credit bureaus must report all information accurately. Now, that means all of the data must be reported accurately. And if it's not reported accurately, then it has to be deleted. I have never done business with Capital one bank yet they are reporting that I do. After discovering them on my credit file on XX/XX/XXXX. 
Ive done multiple disputes with XXXX XXXX & XXXX. Along with complaints made to the CFPB and XXXX. 
Cfpb complaint XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX complaint XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX in a response through the cfpb capital one bank stated that they are not reporting this erroneous account that they claim I owe. Ive attached that response from capital one along with my credit report showing that are in fact still reporting to the Credit Reporting Agencys. I was also notified by the credit monitoring app XXXX XXXX that capital one closed and account on XX/XX/XXXX and on XX/XX/XXXX I was also notified that the payment history had been update also Ive never made any payments to this company. Also in their response capital one claimed that XXXX XXXX XXXX, XXXX obtain a judgment against me which results in my pay checks being garnished weekly. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


XXXX  Reports ( Capital One Bank ) Account Type- credit Card/ Revolving Terms Date open- XXXX Payment status- charge off Balance- {$1300.00} Past due- {$1300.00} Monthly payments- - Comments- account disputed by consumer under the FCRA XXXX Report ( Capital One Bank ) Account Type- Revolving/ option Date open- XXXX Payment status- Bad debt & placed for collection & skip Balance- {$1400.00} Past due- {$1400.00} Monthly payments- - Comments- charge off account XXXX   Report ( Capital One Bank ) Account Type- Revolving Account Date open- XXXX Payment status- charged off as bad debt Balance- {$1400.00} Past due- {$1400.00} Monthly payments- - Comments- account information disputed by consumer.
Consumer complaint received 2023-05-11
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. (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. 

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 2020-03-27
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2020 at XXXX XXXX  I sent written communication to AMERICAN EXPRESS dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account numbers XXXXXXXXXX, XXXXXXXXXXX, and XXXXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from AMERICAN EXPRESS dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, AMERICAN EXPRESS sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing AMERICAN EXPRESS communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires AMERICAN EXPRESS to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. AMERICAN EXPRESS provided none of the above. AMERICAN EXPRESS continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. AMERICAN EXPRESS has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. On XX/XX/2020 I repeated the entire above process. I sent written communication to AMERICAN EXPRESS dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national credit reporting agencies on account numbers XXXXXXXXX, XXXXXXXXX, and XXXXXXXXXX. On XX/XX/2020 I received written communication from AMERICAN EXPRESS dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, AMERICAN EXPRESS again sent me printed copies of statements. The above illegalities were committed via USPS mail.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian is reporting a dismissed bankruptcy does not belong to me. I have asked them for a method of verification and all I get is that it was verified through XXXX. I have contacted XXXX myself and I do not have this bankruptcy on my file. I have attached a screenshot of the public records section of my credit report. I have a credit monitoring service through XXXX. And as you can see experian is the only one that is reporting this bankruptcy. It is a fact that bankruptcy stays on A report for 7 to 10 years, it was filed XX/XX/2016 Which means it will still be on my report to this day with XXXX  and XXXX  as well. My question is how is it that XXXX XXXX and XXXX   are not reporting this and they go through XXXX as well To verify information? I truly believe when I dispute this bankruptcy experian is not doing a thorough investigation.
Consumer complaint received 2022-03-24
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. (IL)

I have sent dispute letters to XXXX, XXXX and Equifax several times. This is unlawful for these credit agencies to continue reporting inaccurate information on your credit reports. This is affecting my life. They are not verifying the information. Even after, I sent a snippet and explained the inaccuracy. This is not right or fair to the consumer. 

In accordance with the FCRA, XXXX XXXX  has violated my rights. The initial collector XXXX XXXX violated my rights. The collection was removed from XXXX and never appeared on Equifax. Now the account has been sold to XXXX XXXX  and the collection has reappeared on all bureaus with inaccurate information. This has taken my score down over XXXX points. 

XXXX5 USC 1681 602 A states I have the right to privacy.

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

This is a follow-up to CFPB Complaint XXXX and the other related CFPB complaints regarding the substantial delays by this servicer to agree to have the property reevaluated due to substantial energy efficiency improvements, in order to have the upfront paid PMI policy cancelled and XXXX refunded. 
As chronicled in the XXXX processed and uploaded in their portal, the broker 's price was {$260000.00} ( page XXXX of XXXX of the document ) which ends up leading to a loan-to-value ratio of roughly 60 %, far less than even the minimum threshold of 80 %. The XXXX also notes the substantial energy efficiency XXXX at the bottom of page XXXX of XXXX of their document. 
Therefore, the threshold has been reached to have the unnecessary PMI policy on this property cancelled and proportionally refunded. For some reason in previous complaints they didn't even understand that it is possible to cancel an upfront paid PMI policy. Hopefully others don't have to experience such unnecessary delays.