davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Transactions for Bills or necessities process for several days and then im charged late fees. Transactions that were processed can not be disputed until processed and if the transaction wasn't meant to be transacted my money is not put back in account by bank.
Consumer complaint received 2023-03-07
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. (MD)

According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between XXXX  XXXX and XXXX XXXX the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. I would like the aforementioned information to be deleted pursuant to the law mentioned in the above sentence all late payments, and or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.
Consumer complaint received 2023-03-07
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)

CHECKING MY FILE IVE NOTICED ALOT OF INVALID DATA. THIS IS MY 2ND ATTEMPT I AM INTERESTED IN DISPUTING ALL INCORRECT INFROMATION SUBMITTED IN MY FILE. PLEASE REVIEW AN CORRECT INFORMATION LISTED ASAP.
Consumer complaint received 2022-10-31
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. (PA)

Can u please delete the 3 " Fraud hard inquiries ''. I know nothing about this new inquiry qt all. As i will provide documentation of the duplicate inquiries. I also froze my accounts and reported to the FTC for further security & Investigation measures. This was mproper use of my credit report of hard inquiries that i am unaware of and did not authorize. I was notified by MyFico & Credit Secure and myy bank thats someone accessed my info it was stopped the the XXXXXXXX XXXX Website Surveillance from my Bank. 

FTC Report # XXXX The XXXX unauthorized Hard Inquiries are listed below. 

Fraud Inquiries : XXXXXXXX XXXX XXXX ( BANK ) - XX/XX/2022 XXXX CARD SERVICES ( BANK ) - XX/XX/2022 XXXXXXXX XXXX ( BANK ) - XX/XX/2022 2022
Consumer complaint received 2023-03-07
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. (NC)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX 
XXXX ) XXXX Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$28000.00} DEPT OF ED / XXXX XXXX Balance : {$28000.00} DPT EDXXXX XXXX Balance : {$28000.00}
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (MO)

On XXXX XXXX, I noticed my Citibank checking account had {$3100.00} of unauthorized transfer. I immediately contacted the bank and asked for a hold to be placed on my account. The person said it had been done but on Monday XXXX XXXX I was informed by my local branch that the account was not in hold status and another {$550.00} had been withdrawn. I again asked for the account to be put on hold, but the banker was not able to do that and I was forced to call the main bank again. The woman at Citibank I spoke with assured me that a hold was placed on my account ( after grilling me about why I wanted a hold placed and if I WAS SURE that I wanted to block it and that I knew that only I would be able to unblock it ). Then today, XXXX XXXX, ANOTHER unauthorized transaction for {$1200.00} was taken from my account and it turns out my account was never put on hold. The incompetence of this bank has allowed my account to be nearly drained, and though they have eventually given the money back, the stress caused by this incompetence is unacceptable.

Also, the bank pressuring me to open a new account is ridiculous. Why would trust that they could manage that one any better than this one?
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (AA)

I have a current conventional mortgage with XXXX XXXX. They transferred servicing to The Money Source, Inc ( TMS. www.tmscustomer.com ). My desired outcome from this complaint is to change TMS as my servicer, refund the unnecessary fees they charged me and to fine TMS for their unkind and inflexible practices.

I have owned multiple mortgages for the past 10+ years and never once been late or been charged a late or other fees, until TMS took over one of my mortgages recently. I had sufficient funds in my account at the time TMS transferred my loan and charged my account. But they are saying my payment bounced so they added a {$15.00} fee, even though my resubmission went through within a day or so. Furthermore, I have had difficulty setting up recurring payments with them. I called and asked kindly for them to waive this fee and they would not entertain my request. Their customer service was less than flexible or helpful in this regard. Their payment process is quite cumbersome and unfriendly.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (OR)

In 2023, I applied for a credit card to see how much I would be approved for a balance transfer. They asked me to link the debt account in order to see how much I would be approved for. I asked for {$50000.00} to get 0 % APR on a HELOC. I was approved for only {$2000.00} so I decided to just never use the card. Eventually I see that my bill is past due. I had no idea that the approval process, which was so quick and seemingly necessary, was the actual balance transfer agreement. I was also being charged a monthly amount that I don't remember ever agreeing to. Why is it {$40.00} per month when I have 0 % APR? Who chose {$40.00}? What timeline is that? I believe the act of approval and the actual transfer happening at the same time is wrong and misleading. I should be able to see the approval amount BEFORE agreeing to the transfer. What a scam. This is predatory. After contacting them they just said that I agreed to all of this and to call the credit companies. I will.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

I sent a letter to Lexis Nexis because they are reporting inaccurate and unverifiable information on my report. They completely ignored my request. I then contacted them via telephone which is also a hassle because they always have to call me back. I then received a call from one of their representatives who stated that they verified a bankruptcy with the US Bankruptcy of XXXX XXXX  XXXX. I previously contacted the courthouse, spoke to XXXX XXXX XXXX at XXXX on XX/XX/2021, at XXXX and she stated that they do not do any business with the credit reporting agencies, hence, they do not report anything to anyone, Lexis Nexis. 
I demand that they delete this bankruptcy from my report immediately and delete it from the credit reporting agencies. 

Account : US Bankruptcy Number : XXXX
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Hello, I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within 14 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. XXXX XXXX XXXX I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

Date of Last Activity/Account Status/Date Opened /Date of last activity/Amount past due I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Consumer complaint received 2020-06-18
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: Debt Recovery Solutions, LLC (MI)

I sent a verification letter to the company certified I have receipts showing the debt company received the letter It has been over 30 days and I have not received a response with proof or verification I owe this debt. 
This company is still reporting in error to the 3 credit agencies
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX : BANKRUPTCY XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PSA ACE XXXX XXXX Home Equity Loan Trust, XXXX XXXX Asset-Backed Pass-ThroughCertificates XXXX XXXX NOTICE OF VERIFICATION DEBT I am writing this letter is directed to XXXX XXXX XXXX XXXX to validate the Debt, in connection of the Proof of Claim filed on regard XXXX XXXX Home Loans XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Trust, ACE XXXX dated XX/XX/2019, for the value of {$360.00}, XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ). 

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the original creditor that authorize you to collect on this alleged debt. 
2. Identify the Original Creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt.

4. Release correct copy of all XXXX, transfers and receipts from origination to the party alleging to be the creditor in this action, including the full contents of the Master Custodian File held by the Master Custodian of the Trust.

5. Valid copy of the debt agreement stating the amount of the debt and interest charges 6. Proof that the statute of Limitation has not expired.

7. Complete payment history on this account along with an accounting of all additional charge being assessed.

8. Commission for debt collector if collection efforts are successful.

9. Any Judgments obtained by any creditor regarding this account.

10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and registered Agent.

If you Office fail to reply to this debt validation letter within 30 day from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be constructed as an absolute waiver of all claims to enforce the debt against me, or my property, and implied agreement to compensate me for court costs and attorney fees if I am force to bring this matter before a judge. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

XXXX has two different cards provided to me. 
I FROZE one of the accounts with a smaller credit line of only {$4100.00} when I was issued a new XXXX card with $ XXXX line + airline mileage options. 

XXXX ALLOWED automatic purchases to go through on this card that was frozen and locked, and the amount due did not show up on the app as it is blocked out in RED due to the FREEZE I elected on it - nor did they send me a statement. 

They allowed for transactions NOT approved for over {$200.00} to go through without permission. I was sent a notice that my account was overdue- they issued a 30-day late on my credit report without proper notification that they did NOT correctly freeze the account + allowed transactions without approval to hit a cc account that I had no visibility to as it is locked ( red out ) on the app then penalized me unfairly. 

See screenshots - on the mobile app it shows my balance is {$0.00} yet the web portal ( that I NEVER USE ) shows there is a balance due of {$210.00} The charges that were allowed to go through without my permission need to be reversed and this unfair credit report and is illegal and needs to be corrected as does their mobile app that doesn't allow customers any proactive insight that there is even an issue.
Consumer complaint received 2023-02-03
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. (NY)

It is the consumer reporting agencies to report accurate information on a consumers report. I took a look at my reports and saw that the credit bureaus are reporting a payment was captured XXXX of XXXX but both bureaus are also stating that the last payment date as XXXX  and the account is current. How is this possible? It is illegal to report inaccurate information and I am requesting that this late payment remark is removed.
Consumer complaint received 2023-03-07
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. (NY)

Please view attachment below Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2023-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

I have no knowledge of this debt. It reported on my credit without receiving a notice that this would report to my credit, along with other violations which includes a collection account with NO delinquency date connected to the original charge-off, I also reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies .Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. CFPB : please look into this matter. If this matter is not resolved asap I have no other choice but to speak with counsel, will go through the process of medication, and I plan to seek {$1000.00} for damages and each violation.
Consumer complaint received 2023-03-07
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. (NJ)

In accordance with the Fair Credit Reporting Act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under title 15 U.S.C. 1681 : US DEPT OF ED/XXXX : # XXXX, XXXX. XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAVE ALL VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS. I DEMAND THAT THESE ACCOUNTS ARE DELETED FROM MY CONSUMER REPORT! 

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 ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) 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.A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2017-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MD)

I applied for   XXXX   XXXX   XXXX   XXXX   XXXX   in    XXXX . The ref number is  XXXX . I applied for the credit card while I was in  XXXX .
I received a letter stating the IP address in which I applied from is under U.S Economic Sanctions.   XXXX   is not under any sanctions by the U.S government, thus this is an invalid argument from Chase Bank. Chase denied my application so I called in to ask for a review on my application but Chase still denied by stating they do n't do business in  XXXX . However, Chase does do business in   XXXX    based on the information on   XXXX   and Chase 's website.
Consumer complaint received 2020-12-28
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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (NJ)

I have mailed in letters several times to XXXX, XXXX  and XXXX  in regards to my account with Seterus Account # XXXX. Starting in XX/XX/2020 up until XX/XX/2020. I have gotten some responses which I will attach. Yet inconsistencies remain on my report for Seterus. For your convenience I am attaching the latest response from each bureau. I will also list the issues I see.

1. Date of first delinquency is missing 2. Purge date is not listed 3. Full payment history is not listed, specifically scheduled and actual payment amount.

4. Closed date is not listed on XXXX  or XXXX According to your own industry standard which is the Metro2 the above information must be reported. 
I do not see an actual proper re-investigation completed after addressing the issues set forth.