davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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. (CA)

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
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. (AZ)

Since XXXX XXXX  I have been attempting to resolve inaccurate data that is appearing on my credit report from the US Dept of Education. 
I do not owe any outstanding student loans. None of the documents on studentaid.gov match. The loan servicer debt management & collections is absolutely no help. I have sent multiple certified letters to the US. Dept of Education, XXXX XXXX XXXX, to all three credit bureaus no response. I never took out any loan in XXXX. I already graduated in XXXX. I submitted a loan discharge form today for possible forgery as no records exist to show any disbursement sent to me.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (PA)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

After filling for bankruptcy ( chapter XXXX ) and making payments to a trustee for a couple years, Bank of America sent us a bill for our mortgage for {$23000.00}. Contacted them about a loan modification. Months ( more than a year ) of delays, excuses and tons of paperwork, they still foreclosed on the house. In XX/XX/2016, we moved out and they sold the house for less than the past due. It has been 7 months and they are still sending us letters stating out application for modification is being reviewed.
Consumer complaint received 2023-02-18
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. (HI)

I call Experian, XXXX, XXXX and someone was cursing and swearing at me. Laughing in the background very rude .Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( Experian XXXX, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian, XXXX, XXXX are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email Experians, XXXX, XXXX CEOs as last resort before I Sue them all.
Consumer complaint received 2022-09-04
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX  XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX )
Consumer complaint received 2023-06-27
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)

Traded car in for a better vehicle and loan. Called credit acceptance on XX/XX/XXXX. Was told that my account is closed and payments will reflect paid off on credit report. Also was advised I would receive gap coverage back that was required to purchase and was canceled XX/XX/XXXX. Along with return if rebate. I reached out and no one seems to know what I am talking about. The portal days closed on their website. Yet all 3 credit reports are hurting showing open and late.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC. (GA)

I was opening a new checking account with respond to the following advertisement : " Say cheers to lounge access and bottomless bubbly. Upgrade your summer travel with up to {$350.00} when you open a SoFi Checking and Savings account. Its our treat to you! 

Earn {$50.00} when you open an account, and deposit a minimum of XXXX XXXX using this link. 

Get an additional bonus of up to {$300.00} when you set up direct deposit. '' I have met all the following requirements and now they say I need to deposit up to {$5000.00} to get the bonus
Consumer complaint received 2023-06-27
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 2017-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Please be advised that I, XXXX, complainant in CFPB Case number : XXXX, one that your system indicates as not having been disputed by my person, have never received a written and/or verbal response as to the complaint from Ocwen. Further, as has been the case in other circumstances when I have written to them, I am not in receipt of an acknowledgement letter from Ocwen as to receipt the complaint with a timeline for a response submission. 

This is not surprising, as Ocwen, in unpredictable with respect to continuity and consistency in its operations, especially outsourced global operations. 

I request that your office request Ocwen send me a complete, unedited, response to my complaint XXXX, to my person at my home address so that I can review the same for validity and content integrity, thus allowing me to accept and/or refute. If necessary, I do not have an issue with filing another formal complaint on the same issue. Thank you in advance for your assistance. XXXX. 
Ocwen Loan Servicing , LLC said :
Consumer complaint received 2023-02-03
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc. (PA)

NOTICE OF CEASE AND DESIST I natural person XXXX XXXX XXXX am requesting that you cease all illegal and negative reporting until this debt is validated. 

After reviewing my credit profile. I identified fraudulent and deceptive reporting from both XXXX XXXX XXXX & XXXX XXXX XXXX. I also took upon myself to look up there reviews and unfortunately it appears they've been criminally extorting thousands of patients. 
I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed. After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. At this time, I will also inform you that your offices have reported invalidated information to all XXXX credit bureaus this action will constitute fraud under both Federal and State laws. Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character. 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 . Collection Account name : ARS ACCOUNT RESOLUTION- 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX is a loan servicer and they have reached the statue of limitations. It has been more than 7 years. ACCT # INCORRECT. Date opened XX/XX/2006. I want this item deleted from my file.
Consumer complaint received 2023-02-27
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2024-02-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc. (AZ)

I am writing regarding the denial of my application for a loan in the amount of {$25000.00}. I provided Prosper with a signed promissory note. 

As you know, a promissory note formally documents a promise by one party ( the maker ) to pay a sum of money to another party ( the payee ) at a future date. This signed promissory note constituted a formal, legal agreement providing you recourse to collect the amount owed. 

Therefore, by accepting my signed promissory note, a contractual relationship was established. You can not unilaterally deny me the loan promised in that promissory note without formally cancelling that agreement or proposing new terms for my consideration. 

As the promissory note is a legally binding contract and receivable sold to Prospers Trust for the trading on secondary markets. I kindly request that you honor that agreement by processing my loan application as originally submitted or proposing revised terms for my loan in writing. 

If not, I will have no choice but to pursue legal and regulatory remedies for breach of contract damages and securities fraud resulting from your denial of the loan despite selling my signed promissory note as a debt security on secondary markets. 

I would also like to reference THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF XXXX  XXXX XXXX case # : Lead Case : XXXX * Member Cases : XXXX ; XXXX Which acknowledge the argument that a signed credit card application creates a contractual obligation, The applicant signing terms gives Prosper power of attorney. 

Additionally if any other contracts were created after my original consent due to giving Prosper POA I demand details concerning the particulars of said sales, transactions and obligation terms of the new notes.
Consumer complaint received 2023-06-27
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. (OH)

In accordance with the fair credit reporting act the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681c section 602 ( 4 ).

1 ) Acct # XXXX XXXX  Total Card, XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX. Acct # XXXX. US Bankruptcy XXXX Has violated my rights. 15 U.S.C. 1681c Section 602 ( A ) states I have the right to privacy.

15 U.S C. 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

I demand that these accounts be deleted immediately
Consumer complaint received 2024-06-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC (TN)

I took out a loan with the DAVE app. I then requested that they stop debiting my bank account and debit card, as is provided for by federal law. They have refused to respond and have refused to stop debiting my account and card.
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (FL)

My mortgage recently got moved to Newrez LLC. They made a bunch of errors. Took the money out and they put it back for the XX/XX/year> payment. They did a wiretransfer which was wrong. My bank charged me {$15.00} for a wire transfer fee which Newrez needs to refund. I spoke to a " supervisor '' XXXX XXXX XXXX XXXX and he told me to upload my bank statement to show the wire transfer and it will be refunded. As of XXXX, it still has not been refunded and there's been no communication from Newrez. 
I called to speak to XXXX XXXX XXXX and was told he was busy. I asked that he call me back and he never did. 

In the meantime I stopped ach payments out of my bank account. Yet after stopping the payment, they proceeded to withdraw XXXXXXXX XXXX  payment out of my bank account. 

Please look into this company 's shady process and also I want the XXXX wire transfer fee returned to my bank account asap.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Please note, this is not a duplicate complaint, this complaint is due to the new fraud item on my report. I'm not using any third party for this matter. I'm victim of identity theft, someone has applied on my behalf for credits, this inquiry I have never authorized : XXXX Inquiry : XX/XX/2023. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry waw made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. Please remove this fraud item from my report as soon as possible.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have made three calls to have freeze lifted from my credit report to try and obtain refinancing for my home. The first call was disconnected. The second call because of the wait time I requested a return call. The person who called back to assist me was rude and condescending. I requested a supervisor and that person put me back in the queue. I have now on hold as with the very first call. Therefore I have now been waiting for 30 minutes on a return call to get a freeze lifted.
Consumer complaint received 2017-04-06
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Levy & Associates, LLC (OH)

XXXX-C/O Levy and Associates deliberately violated the Fair Debt Collection Practices Act ( FDCPA ) by not allowing me to protest the supposed debt that they are trying to collect. The very first time that I have heard about this Company is when they filed a lawsuit with the XXXX XXXX XXXX Court seeking a default judgement. This Company has currently XXXX consumer complaints filed by consumers to the Ohio Attorney General 's office due to their unlawful business practices.