davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (TX)

My loan was purchased by Mr Cooper DBA Nationstar Mortgage without my knowledge or consent. This company has highly questionable business practices, at a minimum. Not to mention theyve made reaching a real person for help, IMPOSSIBLE, on purpose. This entity has already had to pay out very large fines for their predatory & unethical business practices.

Ive been trying to get my escrow account removed, as my original lenders software had an error occur upon submission, which asked for an escrow account. Ive only been able to reach someone by chat & was initially told that this error would be corrected within XXXX business days. After the XXXX business days I found that nothing had been done/fixed. I tried reaching someone by phone but the automated system is set up so that you are not allowed to reach a human. So, I started another chat ; only to find out that Mr Cooper can only review my request & will only fix it if THEY FIND IT NECESSARY. Which, I was told- THEY DONT. Please, please further investigate this entity ASAP!
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (TX)

EXPERIAN : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Consumer complaint received 2022-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft AffidaviXXXX. Please delete the items as soon as possible.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CULLEN/FROST BANKERS, INC. (TX)

On XX/XX/2024, at approximately XXXX XXXX, I, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX under file # XXXX, went to Frost Bank at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX to have some Treasury Direct paperwork notarized . XXXX XXXX XXXX, the notary on site, was the employee that helped me. In addition to being rude, XXXX XXXX violated my rights as a XXXX XXXX XXXX by defrauding me pursuant to 25 CFR 11.423 by encumbering my property, which I have a security interest in, with the intent to hinder that security interest. In the end she denied me my privilege. XXXX XXXX XXXX not only violated my rights as a secured private creditor, but also deprived me of a right and privilege, pursuant to Title 18 section 242, which is protected by the Constitution. My right to claim my charters is protected by Volume XXXX Session XXXX Chapter XXXX, the Owner 's Cesser Clause/Expatriation Act. XXXX XXXX violated that right by imposing an anticipatory repudiation by claiming that my charter did not belong to me due to insufficient evidence, which is false and a crime.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (LA)

All the accounts that are listed on my credit report was not given permission to share my social security number with anyone and the distributed it without my consent. They all have violated 15 USC 1681, 15 USC 1681 Section 602A, 15 USC 1681 Section 2 of 604A. I have sent all information to both Experienced and XXXX and have not gotten the problems corrected. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX Bank all violated according to the XXXX Bank XXXX of 1863, 31 USC 5118, 15 USC 1602g, UCC 3-104, 12 USC 1431 , and 42 USC 408 . All were sent out negotiable instrument from attached statements as well as approved 1099-A payments and all of the companies kept the negotiable instruments as payment but didn't apply it to my account. I sent all companies a copy of my documents with a Conditional Acceptance Letter. I do not owe neither of them because I am not the person of the " all caps '' name. I am the representative of that person and they knowingly sent the information without consulting me. I request the original primossary note, 1099-A, that was filed according 15 USC 1666D , 15 USC 44 , and 12 CFR 1026.17 that is defined in the IRS Publication XXXX. Still have not gotten that and its been since XXXX. Everyone was asked to provide me with proof of claim that the credit agreement was a lawful and enforceable contract signed by both parties giving equal consideration. As well as asking for proof of claim that they had my consent to issue any of my personal trust information to any third party pertaining to valid lawful agreement signed by both parties.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (LA)

All the accounts that are listed on my credit report was not given permission to share my social security number with anyone and the distributed it without my consent. They all have violated 15 USC 1681, 15 USC 1681 Section 602A, 15 USC 1681 Section 2 of 604A. I have sent all information to both Experienced and XXXX and have not gotten the problems corrected. XXXX XXXX XXXX, XXXX, XXXX XXXX, Sallie Mae, XXXX, and XXXX Bank all violated according to the XXXXXXXX XXXX XXXX of 1863, 31 USC 5118, 15 USC 1602g, UCC 3-104, 12 USC 1431 , and 42 USC 408 . All were sent out negotiable instrument from attached statements as well as approved 1099-A payments and all of the companies kept the negotiable instruments as payment but didn't apply it to my account. I sent all companies a copy of my documents with a Conditional Acceptance Letter. I do not owe neither of them because I am not the person of the " all caps '' name. I am the representative of that person and they knowingly sent the information without consulting me. I request the original primossary note, 1099-A, that was filed according 15 USC 1666D , 15 USC 44 , and 12 CFR 1026.17 that is defined in the IRS Publication XXXX. Still have not gotten that and its been since XXXX. Everyone was asked to provide me with proof of claim that the credit agreement was a lawful and enforceable contract signed by both parties giving equal consideration. As well as asking for proof of claim that they had my consent to issue any of my personal trust information to any third party pertaining to valid lawful agreement signed by both parties.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (GA)

On XX/XX/XXXX my mother passed away. On the advice of my attorney ( he is in NY and I now currently live in XXXX ) I submitted an affadavit in support of funds to have the funds from the account sent to me. On XX/XX/XXXX they closed the account and said the funds were sent to me. I have never received this check and have since been in constant contact with Keybank in XXXX, NY to have the check stopped and reissued to me as stated in the affadavit. This should have been a simple task and now over 3 months later I am still fighting for it.
Consumer complaint received 2022-06-04
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: Park Hill Holdings (TX)

In accordance with the fair credit reporting act : XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  account # XXXXXXXX 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 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NV)

Thursday, XX/XX/XXXX at XXXX PM Receive two text messages from XXXX XXXX XXXX about charges on my credit card. 

Your XXXX XXXX XXXX XXXX acct ending in XXXX was used at XXXX, XXXX for {$0.00} without the card present. Reply STOP to opt out. 

Your XXXX XXXX XXXX XXXX acct ending in XXXX was used at XXXX. XXXX for {$20.00} without the card present. Reply STOP to opt out. 

Thursday, XX/XX/XXXX at XXXX PM Call customer service phone number ( XXXX ) on back of card to let them know those were not my charges. XXXX XXXX ID # XXXX said he did not see any such charges and the text was probably spam. 

Friday, XX/XX/XXXX morning Log onto my XXXX credit card account to see how much of a credit ( - {$17.00} ) I have and then see that they allowed the {$20.00} transaction to go through. My {$17.00} credit is no longer available to use during the holidays. 

Friday, XX/XX/XXXX at XXXX AM Call customer service phone number ( XXXX ) spoke with XXXX ID # XXXX asked her why the charge went through. She didnt know but they would do an investigation and I would get my credit in 2-3 billing cycles. 

I asked to speak with a supervisor, XXXX ID # XXXX, she told me the same thing, they would do an investigation and I would get my credit in 2-3 billing cycles.

Why do I have to wait to use my credit of {$17.00} because they allowed a fraudulent, unauthorized charge to go through? And then wait 2-3 billing cycles to get my credit back! I asked them to cancel my credit card account because they dont follow security protocol and Im paying for their mistake.
Consumer complaint received 2022-06-04
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 account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

XX/XX/2024 I attempted to pull all 3 of my credit reports via my credit monitoring service through creditchecktotal.com ( Experian.com ). I was able to view my Experian credit report but was not able to view my XXXX and XXXX credit reports. I received a message stating the following : Sorry, we can't show you today 's 3-bureau report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. I contacted XXXX the same day and verified my identity. They fixed the issue in their system and I was told that I needed to contact Experian if I could not view all 3 of my credit reports via experian.com. I called Experian XX/XX/2024 and spoke to 2 reps in the membership and XXXX department and the last rep stated the issue was fixed on Experian 's side and I should be able to view all 3 credit reports. I still wasn't able to view them. I called Experian XX/XX/2024 and spoke to 3 reps in member services, 3 reps in disputes and 1 rep in the fraud department. All 6 of the reps stated that I had been transferred to the wrong department and kept transferring from department to department. Each time I spoke to a rep I asked to speak with a supervisor, but when I asked to speak to supervisor I was transferred to another department without resolve. Today is XX/XX/2024 and I am still not able to see all 3 of my current credit reports. And I am seeing the same message : Sorry, we can't show you today 's 3-bureau report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX XXXXXXXX XXXX XXXX Account number XXXX have 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 2022-06-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (KY)

Truist Bank refuses to remove the PMI on my conventional home loan. I have followed their directions, and they returned my {$150.00} check. According to XXXX XXXX ( the servicer of my loan ), my current LTV is under 60 %. All conventional loans should have PMI removed if the payment history is perfect and the Loan to value is below 78 %. Truist Bank wants a list of " improvements that are substantial in value '' without any definition of what they consider substantial. This is a subjective term that was never presented during my loan terms, and closing documents of my original loan. 

I sent my check for " XXXX '' of {$150.00} on XX/XX/2022. I just opened the mail today coming back from a vacation to see that returned my check and refuse to consider dropping my PMI.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX/XXXX # XXXX is reporting a charge off to my credit that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it needs to be taken off of my credit report.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX/XXXX  # XXXX is reporting a charge off to my credit that is past the Statute of  Limitations in Nevada. I no longer legally owe this debt and it needs to be taken off of my credit report.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (IL)

This is the third attempt to ask US bank to correct this error by allowing fake checks with the same check number to be cashed multiple times. The check was issued by US Bank as an online payment to my mortgage bank, which is XXXX XXXX. The check was stolen and the payable to was altered and was deposited three times. US bank rejected the first deposit attempt, but cleared the second and third deposit. The amount of the check is {$1100.00}. The two successful deposits are total {$2200.00}. This is US bank 's responsibility who allowed fake checks with the same check number to be cashed twice, and ironically, the fake check was rejected the first time but allowed to be cashed twice afterward and the check was written by US bank itself. With the two years long back and forth, US Bank only refunded bank one check amount of {$1100.00} and refused to refund the second fake check deposit. The Bank representative called and accused me of making trouble and refused further discussion to resolve the issue. Additionally, seeking help from federal banking authorities could be another way for resolution. Attached with the highlighted statement that shown the three withdrawn transactions. I'm in hope that US Bank will take this seriously and refund the {$1100.00}.
Consumer complaint received 2022-06-04
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  account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX  account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX 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 2022-05-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2020-02-18
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. (GA)

XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX   ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it  immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX  I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately
Consumer complaint received 2024-04-03
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (GA)

My credit limit on the Comenity and Victoria Secret is visible on their website. A few months ago I requested an increase. This increase request has been sitting as pending ever since, and I have gotten no response about it, which I believe is illegal. 
I called comenity today to inquire about the increase and ask for a replacement card, and was told by customer support my account was closed awhile back. However, my account is not closed, it shows as active on the Comenity/VS website account, and the account reports monthly as available credit on my credit report. I have not received any notifications of my card closing. 

Either comenity is lying to me and refusing me access to my credit, or they are lying to the credit bureaus. Both should be considered fraud.