davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-05
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. (OK)

i applied for a car loan and the car lot failed to tell me that i was denied for the loan. Without my authorization the car lot ran my credit to 26 other loan companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-03
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. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : DeptED/XXXX # XXXX Account name : DeptED/XXXX # XXXX Account name : DeptED/XXXX # XXXX Account name : DeptED/XXXX # XXXX Account name : DeptED/XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX All of these accounts 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section State : 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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any informaton relating to a consumer to any consumer reporting agency if the person knows or has a resonable cause to believe that the information is inaccurate
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

This is my THIRD COMPLAINT regarding Mr. Cooper Mortgage Services. My second complaint, # XXXX, was NEVER answered. 

I HOPE THE CONSUMER FINANCIAL PROTECTION BUREAU WILL DO A BETTER JOB IN HELPING ME RESOLVE THIS COMPLAINT WITH MR. COOPER MORTGAGE SERVICES. 

I sent the attached email with SPECIFIC questions to Mr. Cooper Mortgage Services two ( 2 ) times. I never received an answer to my specific questions from Mr. Cooper. I tried contacting Mr. Cooper by telephone, but always received a busy signal. I feel I have already spent an inordinate amount of time and effort to obtain answers to my specific questions. 

I would appreciate an EMAIL response with ANSWERS to my specific questions from Mr. Cooper. The email response should answer my specific questions, and NOT simply ask me to contact Mr. Cooper by telephone. I prefer to be contacted by email at XXXX. Do NOT contact me by telephone.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (GA)

I didnt know that my Credit report didnt suppose to be open! I have so much on my report that is fraudulent please help me Im trying to buy a home start my business and so much more I dont need to be suffering any longer for something I didnt do not what XXXX  has made a horrible mistake and let my information get leaked please help me like ASAP I think this is long over due for a lawsuit because I cant take this anymore
Consumer complaint received 2021-01-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

In XXXX I applied for the pandemic forbearance program with USAA and XXXX XXXX, d ue to the Covid-19 shutdowns. In XXXX I started the loan modification process, and provided USAA and XXXX all of the requested documents at that time. 
Since XXXX I have received numerous requests for additional documentation. The majority of these requests have been for the same documents within days of each other. For example I received request for my business P & L statements on multiple occasions within a day sending the document. At one point I had submitted the detailed P & L statement 4 times in 6 days. As well as a complete detailed payroll report from my payroll provider. On multiple occasions I have requested status updates, and inquired as to how I may supply USAA with any additional documents in order to facilitate the modification process. I received little or no communication other than additional requests for the documents I had just submitted the day prior. I have also received at least 3 notifications for them stating that all the documents were received and the application was under review, only to then receive additional requests for the documents already submitted. It is my belief that USAA and XXXX are trying to intentionally delay the modification so as to reach the expiration date of the forbearance in order to force a lump sum payment or foreclosure on my home. I also believe that this intentional act is a scam perpetrated by USAA and XXXX in order to foreclose the property in order to sell it at a profit as it has increased in value dramatically since purchasing the home. If this is the case I am concerned that in markets where housing prices are increasing dramatically, and a shortage of available homes exists, That USAA and XXXX are doing this to many more veterans than just me.
Consumer complaint received 2023-03-03
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. (GA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts : XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} I sent a request to validate them last time but they are still erroneously reported on my file This was already included in my prior COMPLAINT, and I'm including it again.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NY)

A credit card was provided to me in XXXX as a result of misleading, confusing and ultimately deceptive practices. I am an elderly woman caring for a handicapped husband who is XXXX years old. We continue to live in our mortgage free home, and we keep it well maintained. During the estimate process for new gutter guards for our roof the salesperson informed me that I could pay for the work in installments with no interest for 18 months. We had recently agreed to a similar arrangement with our oil company when we replaced the boiler last year. We are now paying the oil company in installments. I agreed to installment payments to XXXX XXXX but at no time was it explained to me that I would be required to open a credit card account with Synchrony Bank in order to make those payments. When I learned of this fact I immediately paid the merchant in full by check. We neither need nor want another credit card. I sent the check in the amount of {$2.00}, XXXX on XX/XX/2020 to XXXX XXXX. Note, I did not sign anything consenting to the opening of an account with Synchrony. I subsequently called Synchrony and explained that I did not want an account with them When I requested that Synchrony reflect on their system that I had never had an account with them they explained that they would close my account. I questioned how an account can be reported as closed when it was never opened in the the first place. On a follow up call with Synchrony they said that they could not delete the credit inquiry but could close the account. I believe they are in the process of closing the account this month. It has always had a XXXX balance. At this point I want the account deleted from my credit report. In sum, I never consented to a credit card. I have fully paid the merchant and now I want my credit report to reflect what actually occurred, not what was offered to me by means of a deceptive practice.
Consumer complaint received 2021-01-12
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: LEXISNEXIS (MS)

Some body try to rent an apartment in my name in Louisiana, I found that in a credit card charge, when I realize that I started to check my credit and to my surprise there were numerous accounts in my name .These fraudulent accounts are causing me to pay high interest an a lot of credit rejections, I need to remove these fraudulent accounts from my report.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2021 I tried to pay my Capital One secured credit card using the app. I have tried to make my payments be auto paid but for whatever reason the payment keeps getting returned. On the XXXX they pulled the money out of my checking account but Ive tried to keep my payments to come out of my debit card. When they tried taking the money my bank returned it for insufficient funds but I had money in there so idk how that happened. Fast forward to me realizing the issue. I fixed it by paying with my debit card. Then they closed my account after taking my money. I have called to speak to someone but I just get a run around. They also closed my savings account and Im just confused as to why.
Consumer complaint received 2021-01-12
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: ID Analytics, Inc. (MS)

Some body try to rent an apartment in my name in Louisiana, I found that in a credit card charge, when I realize that I started to check my credit and to my surprise there were numerous accounts in my name .These fraudulent accounts are causing me to pay high interest an a lot of credit rejections, I need to remove these fraudulent accounts from my report.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I applied for a conventional loan on XX/XX/2020. From there began a process of repeat asks for documents. Delayed asks for clarification and additional documents. From the intake, through processing to underwriting. The bank was provided the ratified contract which the date of the financial finalization as well as the closing date of XX/XX/XXXX. I was not told until XX/XX/XXXX, that we would not be able to close because of something raised in an inspection report that they didnt question until having the document for over a week. Also, I was told on XX/XX/XXXX if I didnt have a contract on my current home that I would need XXXX more to close as a secondary home. 

The process was extremely delayed due underwriting not reviewing documents in timely manner. They asked for information which was over 20 years old and not relevant. My credit score over XXXX, I have stable employment and a current mortgage with them. The delays nearly cost me the house. The seller relisted the house and received an offer.
Consumer complaint received 2017-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

Bayview Loan Servicing co ntinuously ignores my requests to resolve modification that should have been accepted from the prior servicer, and credit reporting that should have been corrected.     Attached are the documents.      1.  My Daughter was removed from the loan by  XXXX .    2.   XXXX  modified this loan, but Bayview is refusing to accept this modification,.
Consumer complaint received 2023-03-03
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX US SM BUS ADMIN ODA XX/XX/2021
Consumer complaint received 2021-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE (FL)

I have been a victim of identity theft, on XX/XX/2017 a medical collection accounts were open in my name, I went to my local police station and filled identify theft report along with a federal trade commission identity theft report then I called the collection company ( Avante USA ) I explained them everything and provided them with a copy of all documents, however, they refused to remove the accounts despite me being in any hospital neither seeking any medical care from the mentioned facility in the account, furthermore, they were very hostile and even hung up the line after losing hope of me paying a service I didnt use, I contacted the credit bureaus and sent them all documents and was able to remove the accounts, but still Avante USA is using illegal techniques to change accounts numbers and debit value to promote to the bureaus as a new debits. Their allegations are unfounded, they failed to provide the credit bureaus with a proof of debit, but for some reason they still able to keep adding new accounts to my report!
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (NY)

To start off, I want to make it very clear that I have never applied for a loan with Ally and never will. My mortgage was purchased by them around XX/XX/2019. My loan was serviced by multiple companies, but my last 14 month have been a living XXXX. I have not been able to get a clear answer from a single person, on any level of the company, including from office of the president. Company can not clarify how some of my checks have been deposited, they have no clue why my escrow balance, according to them, goes up and down like a roll a coaster, why I am being charged interest for payments that are being held up for a month. I have made a simple request, to provide totals for my payments, portions that went to interest, too principal and to escrow. For the last two month I wasted hours and hours of my time on the phone, and apparently, Ally doesn't like dealing with immigrants, which I am, even though a proud Citizen of the US. I have been played for a fool for longer time that is acceptable. I feel it is criminal to treat customers like that and discriminate so blatantly. I have no choice but to refinance my mortgage, just to escape this nightmare, which would cost me thousands of dollars. If company is not willing to cover these costs, I am planning to seek legal help, to remedy that, in addition for torture and discrimination, but feel government has to stop Ally from hurting even more people like me.
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I got offered a job after applying to some site related to my university. A short while after, I was expecting an email to help me out with school, since I did not have any job or anything during the pandemic of Covid-19. So, I took the job offer, and performed the tasks required. I was given two checks by XXXX, my employer. When they deposited, I found out that they were a scam. By then, I had sent a total of {$3500.00} to XXXX XXXX, one of his customers. 

Today, I write to the Consumer Financial Protection Bureau to help me recover my losses. I have contacted Bank of America about my issue, but they have not done anything to help me. I was left extremely damaged within and find it hard to get through this adversity to this day. Bank of America rejected the checks XXXX had given me. In the next paragraph, I will specify the details more clearly. 

On XX/XX/2020, XXXX sent me a check via mail with a balance of {$1400.00}. This is what I deposited to my checking account that day. With this money, I sent {$990.00} to XXXX XXXX. This was done through XXXX. Later through the week, another check was sent to me, this time it was a check of {$2400.00}. On XX/XX/2020, this check was deposited to my checking account. With this, I was told to send {$2500.00} to XXXX XXXX. I did this on XXXX. On XX/XX/2020, Bank of America declined the checks, leaving me with a negative balance.
Consumer complaint received 2023-05-06
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. (GA)

THE COMPANY XXXX  ; SHOWS MY ACCOUNT 90 DAYS LATE THERE IS NO 30 DAYS OR 60 DAYS LATE ON MY CREDIT REPORT ON XX/XX/22 MY CREDIT REPORT SHOWS CURRENT BUT ON XX/XX/22 MY CREDIT REPORT SHOWS 90 DAYS LATE ON XX/XX/22 SHOWS NO DATA FOR THIS PERIOD NOTE THIS HAS RUINED MY CREDIT SCORE IT WAS XXXX KNOW IT IS XXXX MY DREAMS OF HOME OWNERSHIP FOR MY FAMILY IS GONE UNTIL THIS ISSUE CAN BE RESOLVED I PRAY SOMEONE WITH A HEART READS THIS AND HELPS ME WITH THIS ISSUE MAY GOD BLESS YOU
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am hereby filing a written complaint against Transunion. I have sent seven certified letters to the credit bureau to verify the incorrect information on my credit profile. Transunion is reporting XXXX XXXX XXXX late for 10 months in XXXX and in XXXX, XXXX and XXXX of XXXX. This is incorrectly recorded. I have not received any communication from them about these late payments and they are yet to verify the validity of their data. They have not made any attempt to try to rectify this urgent matter. I initiated the verification process with them in XX/XX/XXXX and I am yet to reach a resolution. Im hereby seeking assistance and resolution. If this can not be resolved in a timely matter I will be forced to file legal action with the assistance of my attorney.
Consumer complaint received 2019-12-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Khoury Alternative Claims Management (CA)

On XX/XX/2019 an auto rental company claims administrator requested I pay {$120.00} for administrative fees related to an insurance claim which was paid out by XXXX XXXX. XXXX XXXX paid out all fees except a {$120.00} administrative fee. I failed to pay this administrative fee by mistake. The invoice for this unpaid {$120.00} administrative fee is attached. 

In XXXX of 2019 ( assumed ) the claims administrator forwarded my {$120.00} debt to the XXXX XXXX XXXX , XXXX, located at XXXX. XXXX XXXX, XXXX, FL XXXX, XXXX, for collection. The claims administrator of my original {$120.00} debt confirms this and refers me to XXXX XXXX XXXX at this point. 

On XX/XX/2019, XXXX XXXX XXXX sent me a letter ( attached ) indicating that I owe {$900.00}. 

It has been at most 1 month since XXXX received this debt for collection and XXXX XXXX XXXX added {$770.00} in fees and interest to this debt ( {$770.00} + {$120.00} = {$900.00} ). 

On XX/XX/XXXX, I notified XXXX  that I hereby dispute the validity of the debt in full.
Consumer complaint received 2021-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NY)

Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
CREDITOR CAVALRY {$12000.00}
Consumer complaint received 2021-01-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank holds the Mortage to my house. Chase put XXXX XXXX XXXX a collection agency out front as of XX/XX/2020 to collect my Mortage payment. 
When I called for payoff information I was sent information to make wire transfer to Chase Bank account number. I bank with Chase, my Mortage is Chase by way of XXXX. Chase is still auto debit my account taking the mortgage payment. Chase charged me {$35.00} to send money from my Chase account to them Chase to pay my mortgage.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The information provided above has not been verified and may not meet reporting standards. I insist that any incorrect or unsupported data be removed. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 

attached you will see documents