davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (OH)

Please refer to my previous complaints. 

Regardless of my supposed election for electronic statements ( in XXXX, when my loan was transferred in XXXX! ), it is Mr. Cooper 's responsibility to ensure that consumers are able to access their account statements online. I attempted on several occasions to access my account online through Mr. Cooper 's website. However, Mr. Cooper 's website was apparently hacked conveniently around the same exact time that my loan was transferred from Homepoint to Mr. Cooper. When I attempted to create a new account or even visit Mr. Cooper 's website I was met with either their website not loading at all or receiving an error message that their site was " Under Construction. '' My original complaint was in response to the inaccurate credit reporting by Mr. Cooper, so I didn't think it was necessary to explain to them that their website wasn't working, which they're clearly aware of because they've now added a message at the top of their website notifying users of the cyber attack. 

I didn't realize that my statements were changed to electronic and had no idea that my escrow account was short, requiring that I increase my payments because I NEVER RECEIVED ANY NOTICES! For some reason unbeknownst to me and logic, Mr. Cooper is perfectly capable of sending notices via mail if it's in response to a complaint through the CFPB, but they can't mail a simple escrow statement. To date Mr. Cooper still hasn't mailed a copy of the notice about my escrow shortage, even though I've requested everything to be sent to me in writing on two separate occasions now! They also haven't mailed copies of their response letters to my complaint! 

Please provide a contact for my attorney to follow up with.
Consumer complaint received 2024-03-19
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. (NY)

FRAUDULENT INQUIRIES WAS DONE ON MY REPORT AS WELL AS A CREDIT CARD : XXXX INQUIRY : XXXX XXXX XXXX XXXX TRANSUNION INQUIRY : XXXX XXXX XX/XX/XXXX XXXX INQUIRY : XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX DATE OPEN XX/XX/XXXX FTC REPORT ATTACHED
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

This car had mechanical issues worth more than the car was worth. I advised the lender to come pick up the car in early XXXX. They are still reporting this loan as open and not showing it as a repo ( whether voluntary or not ) they are currently reporting different statuses depending on which bureau report you look at. One says im 120  days past due the other says 180 days past due. The last reporting isn't even correct as its from XX/XX/2020 and we are now in XXXX. I have tried to resolve this via the credit bureaus/ creditor to no avail. 

They are reporting current late payments which makes it look like I am STILL neglecting to pay on a open vehicle which is not the case. the payment history is also all over the placed. according to the FCRA all reporting should be accurate and up to date, which this account shows neither. 
It shows I have a current payment due and I do not. 

I am requesting that the company remove this account from my credit as the damage they are doing with conitinually reporting these super past due payments and that is highly damaging to my credit.
Consumer complaint received 2021-01-06
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: EQUIFAX, INC. (GA)

These are blatant lies. I never and repeat never received any documentation on how they verified this inaccurate information. I have sent letters asking for their method of validation and received no reply and followed up with a letter demanding them to comply with my request or remove the inaccurate information. To this date, I haven't received the documentation and I am demanding this inaccurate information be removed immediately.
Consumer complaint received 2024-02-12
Product: Credit card — Store credit 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. (WI)

Several fraudulent charges were made to my account with mine & my wife cards. They apparently sent us new cards and our mailbox had been broken into. We provided XXXX XXXX with the postmaster 's investigative reports. They resolved the charges from my wifes card but have ignored mine. When I called several times, they said that I had no outstanding balance and everything has been cleared but the charges are still showing up and they have thit my credit score. I've called them regarding this issue at least 6 times. Has been going on for 10 months now. The last call I made, the rep said that I needed to email someone and said she couldn't help me. I sent that email several emails explaining everything and have received no response. It is the Home Depot card through Citi Bank.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I went to a Chase ATM to withdraw {$760.00} from my Chase Checking account, but the ATM did not dispense my funds and still withdrew the {$760.00} from my account. I called Chase in the morning and they opened a claim then they said that they would issues a temporary credit, but they issued it and they rescinded the credit causing insufficient funds charges to be added. I called again and they said it would take 30 days for the claim to be resolved and that they temporary credit would show back up. They also said that if there is not enough funds in the account that those charges, and any other future charges, would be returned to the merchant. That was the last of my money for the entire week, I need to buy food with that money and, more importantly, I do not have the funds to cover my current and upcoming payments which will cause returned item fees with the other merchants.
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (PA)

There are multiple inquiries reporting on my credit report that Im not aware of nor was consent giving to be reported on my credit report. I would like all tangible documents that say I gave consent or that gives these companies or Equifax any permissible purposes to furnish such information on my credit report.

15 USC Code 1681- Congressional findings and statements of purpose ( A ) Accuracy and fairness of Credit Reporting The Congress make the following findings.

15 U.S. Code 1681b - Permissible purposes of consumer reports 15 USC Code 1681s-2 - Responsibilities of Furnishers of information to consumer reporting agencies.

( A ) Duty of furnishers of information to provide accurate information. 

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting Information after notice and confirmation of errors.

15 USC 1681n- Civil Liability for willful noncompliance.
Consumer complaint received 2023-08-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My credit report is showing late payments to Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX, and Dept Of EdXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXDepEds customer service representative.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (TX)

U.S. Bank Mastercard offered a cell phone 'theft ' insurance if my cell phone bills are set to 'Auto Pay '. 
I filed a theft claim on XX/XX/2020 online and uploaded all required documents, received an email acknowledging the claim ( XXXX ) and it said they will contact me within 7 business days if additional information is needed.

It has been 0ver 7 business days and I have not received any correspondence from them. I called and asked to give status, the representative said they are waiting for the documents from me. I told her all documents were uploaded when claim was filed on XX/XX/2020 and asked if documents were needed, why didn't they send any email and ask for it. The representative initially said that an email was sent to me asking for documents but, when I argued with her, she stepped back and said they will send email sometimes this month. 

There is a pattern of this behavior and I had the exact same issue back in XXXX/XX/XX/2020 on another claim.
Consumer complaint received 2021-01-06
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. (GA)

) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.
Consumer complaint received 2021-01-06
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S DEPT OF ED/XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX/XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-01-06
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. (AL)

I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

Discover is violating the following : Privacy Act of XXXX ( 5 U.S. Code 552a ) 15 U.S. Code 1681b 15 U.S. Code 1681c 15 U.S. Code 1681o 5 U.S. Code 1681n 5 U.S. Code 6805 12 CFR 1022.3 12 CFR 1016.1, 1016.4, 1016.7 Discover XXXX Charge Off ( is a certificate of indebtedness a 1099-C was filed with IRS ) which means that this is now income and income CAN NOT be reported to the credit agencies. 

It is illegal to report transaction history Discover is currently violating the Security Exchange Act of XXXX.
Consumer complaint received 2023-03-20
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. (CO)

As part of a mortgage application with XXXX XXXX, I consented to XXXX pulling a credit inquiry for the application. Afterward Ive received several robo-dialed calls and text messages from a company called XXXXXXXX XXXX, indicating they received information from TransUnion indicating a I might be looking for a new mortgage. 

I did not consent to XXXX or TransUnion to have my data shared with or used by 3rd party affiliated to market products and services to me, and the text messages do no offer opt-out instructions.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I believe I was misled when I opened a Capital One charge card. I was told when I opened the account in XX/XX/XXXX that it was interest and no fees for 2 years. I noticed today XX/XX/XXXX that I have been charged interest for the last 3 months for a total of {$82.00}. When I called to complain I was told the interest free time period was only for 9 months. Which meant it ended in XXXX but I wasn't charged interest in XXXX or XXXX so something is very wrong. Because of this and not getting any satisfaction I closed the account.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2021-01-06
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: TRUIST FINANCIAL CORPORATION (GA)

This has By far been the absolute worst Experience ever. Im a victim of identity theft. Being treated like the one. Ive been violated in the worse ways ever because of this fact. From Tax returns to Bills and Vehicles. Because of this Im recovering from XXXX. 

I was made aware of several accounts and loans have been opened in my name. Banking institutions as well and they have placed abusive and derogatory remarks on my profile. Making it extremely hard and nearly impossible for me to live and provide for my children as Im a single mother of XXXX. 

Im trying to hard not to fall back into XXXX but this is really hard. I dont feel I should have such things placed on my public profile. Being the fact that Im a know victim of ID THEFT. Because of that Ive been on a never ending quest to restore my name and reputation. 

These remarks are abusive and not true & Theyre causing grave hardships and I fear irreversible trauma on my mental XXXX. 

Two weeks ago I submitted an application to open up an account and it was approved. They sent a letter stating that I was denied due to being in 3 party data base called XXXX. I called the number given after waiting for 20 minutes. I was Advised that I was in fact in their system with two banks. Reason being fraud!! Im devastated ... I cant function with this information on my public profile and its fraud. Im a business owner and I cant conduct my businesses effectively without this cancer being removed. 
I called to speak with the fraud department and the representative was really disgruntled and impatient. She basically told me I committed fraud although I had no idea what had been done. They refused to give any info and instead sent a letter of debt. This organization would not even tell me what caused the problem. 

I called the second bank at hand and they too were very rude and I received minimal assistance. They both insisted I owed a debt and refused to assist me unless a payment was made. Please help me I have filed an FTC as well .. XXXX XXXX AND BBT
Consumer complaint received 2021-01-06
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. (LA)

I feel so stress about my credit report. I've sent disputes last XX/XX/2020 regarding to those unknown and inaccurate accounts on my credit report but it's 90 days now but there's no response yet. I demand to immediately DELETE those accounts or I will file a litigation.
Consumer complaint received 2024-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I sent {$200.00} to XXXX XXXX on XXXX XXXX through XXXX in my XXXX banking app for her security deposit return and she was supposed to give me the {$200.00} back in cash. Over XXXX weeks went by since I sent it to her and she never returned my calls or texts, and she ended up blocking me. I called XXXX to dispute the transaction on XX/XX/ and explained everything to the representative I spoke to, his name was XXXX. His attitude was horrible and just told me there is nothing they can do about it, and to not be so gullible next time. This was extremely unprofessional of him to say as a representative of a bank to its consumer so I am very upset about that as well. I got scammed and I explained everything to my bank, the least he could do is maintain professionalism instead of acting like dealing with consumers is the worst thing to happen to him.
Consumer complaint received 2021-01-02
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. (VA)

All three credit bureaus have statements of serious delinquency however there is no evidence on my report that supports this statement. I have no missed payments reported on any account in over two calendar years. 

This statement has lead to multiple denials. Additionally, I have asked for erroneous inquiries to be removed from my credit. I have asked both the credit reporting companies and the companies with who the inquiry was made. My personal information has been compromised through Equifax 's data breach and stolen identity. yet my credit is constantly running without any alert of this or calls