davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

! n accordance with the Fair Credit Reporting act Lvnv Funding, 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 Lvnv Funding has been sending me collection notices in the amount of {$310.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (PA)

On XX/XX/XXXX my virtual debit card was used without authorization for XXXX. I have contacted the bank and they are saying they have done an investigation and found no errors even though after telling me they would provided the merchant contact information they now say they do not have the merchant information. I was at work when this happened and my virtual card is only on my cell phone which was with me at work and no one else has my number or authorization to use my card.
Consumer complaint received 2022-04-18
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX My XXXX & Last name are as follows : XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX After reviewing my credit report, I have found an inaccurate addresse that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and belowbe removed immediately as they are not accurate and untrue. 

My First & Last name are as follows : XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Thank You
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

On XX/XX/XXXX I contacted Ed Financial to receive a refund for the payments made during pandemic period started in XX/XX/XXXX through today. Total should be roughly {$2800.00}. I was told I would receive notification once its complete. I have yet to receive any correspondence that this is in process, request received, or completed. I called again to ask about timeframes and they informed us there is no information that can be shared and it can take almost 6 months to complete. As I plan to apply for student loan forgiveness, 6 months seems way too long. I would like to file a complaint because I feel completely left in the dark. There is no trace other than my call log that I have requested this refund and no glimmer of expectations received.
Consumer complaint received 2022-04-18
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-10-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (NJ)

Nationstar aka mr cooper brought a fraudulent mortgage note from XXXX who went out of business for fraud but not before they stole XXXX in equity through a revised HUD 1 statement with out my knowledge. Nationstar aka mr coopers agent XXXX XXXX engaged in predatory lending and defrauded me further by stealing another XXXX in equity through the HUD 1 statement. I have asked Mr cooper to provide checks or wires that show this money was lent to me BECAUSE i inherited my property free and clear. they cant keep pretending that they dont have to prove THAT they lent these funds.
Consumer complaint received 2022-04-18
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: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-18
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

! n accordance with the Fair Credit Reporting act Midland Credit Manag 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 Midland Credit Manag has ben sending me collection notices in the amount of {$1000.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-04-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (OH)

Today XX/XX/2022 at XXXX wells fargo had a unauthorized party attempt to steal my property causing a breach of peace and destruction of personal property in an unlawful attempt to collect on an alleged debt. I was woke out of my sleep by the loud tow truck and was given false and misleading information by the unknown party attempting to steal my property. The harassments and abuse by wells fargo has caused me financial and mental injury violating federal laws. I am a federally protected consumer and administrator in fact pursuant to 15 usc 1692c ( d ). Wells fargo is blatantly using abusive conduct to harass and abuse me the natural person by use of threats, damaging my consumer report, and damaging property pursuant to 15 usc 1692d ( 1 ). The unknown party and wells fargo are using false, deceptive and misleading representations and means to try to collect on an alleged debt violating 15 usc 1692e ( 2 ) ( a ), 15 usc 1692e ( 4 ), taking action that cant legally be taken under 15 usc 1692e ( 5 ). Wells fargo purchased a defaulted contract and using false representations that the transfer of interest attempting to make me subject to the prohibited practices conducted by these companies. The non judicial actions being taken where there is no present right to possession due to it being exempt by law from such dispossession or disablement is illegal. In closeing i have sent wells fargo multiple cease and desist notices which they have violated. Wells fargo has also reported this account as a charge off months ago and shortly after there where 1099c tax forms that were to be filed and I have yet to recieve a copy of. I am well aware that attempting to collect on a charge off account that was reported to the irs is tax fraud and is a major crime along with the mail fraud under 18 usc 1341 and a violation of 18 usc 894 by attempting collection of extensions of credit by extortionate means. If i unknowingly consent to be responsible to perform on this alleged debt I HERE BY RESCIND MY CONSENT TO PERFORM on this alleged debt as of today XXXX XXXX XXXX without recourse ) ucc 1-308. Further more this is another written notice to cease all unlawful activities and collection efforts pertaining to this alleged debt and account.
Consumer complaint received 2022-04-18
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-18
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-04-18
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. (AL)

In accordance with Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX-Bankruptcy # XXXX has violated my rights. 
XXXX-Bankruptcy # XXXX has violated my rights. 
XXXX-Bankruptcy # XXXX has violated my rights. 
TransUnion-Bankruptcy # XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-18
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. (NC)

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 15 USC 1681. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX violated my rights. 
XXXX Account # XXXX has violated my rights 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 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 conviction of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2022-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MD)

This is in reference to loan # XXXX. 
Rocket Mortgage attempted to debit my checking account twice for my XXXX mortgage payment. They claim I requested two payments. Incorrect, I asked for a one-time payment that was due on XX/XX/2022. When I became aware that they were trying to take it out twice I called them 3 days in a row and numerous people told me there was nothing they could do, would " investigate '' the matter, or that I had to wait until it cleared the bank, which it would not because of the large negative balance and all of the fees I have incurred from the bank for charges and over-drafts due to the {$2500.00} ish that was taken out by Rocket Mortgage. They just pawned me off to my bank, which of course can not do anything until the money clears ( or in this case did not clear ) the account. So, while on vacation, I have to deal with this mess and Rocket Mortgage offered nothing to make me whole. I am a customer WHO IS CURRENT ON HIS MORTGAGE ARE YOU KIDDING ME? When I asked to work my way up the ladder and/or the litigation department I was told there was nothing I could do and no one I could contact, the matter was essentially closed. ARE YOU KIDDING ME? 

( 1 ) I need a point of contact ( NOT a " supervisor '' ) someone who actually has some pull for all future issues. 
( 2 ) Money/credit/SOMETHING to make me whole with my bank and my time and aggravation. 
( 3 ) The mailing address/point of contact for litigation matters.
Consumer complaint received 2022-04-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (NY)

1 ) After filing for a bankruptcy and having it discharged, Navy Federal Credit Union has a permanent message posted to your account that you see when you sign in on both the website and mobile app platform. The message states " Your account information is being provided for informational purposes only. Providing you this information is not an attempt to collect a debt. '' I've called and asked to have this message removed as there is no debt anymore because it was discharged. Therefore, this message only serves as a punitive punishment and " brand '' that Navy Federal gives its customers who fell on hard times and filed bankruptcy. Its as if they are constantly reminding you that you caused them a loss. 

2 ) I applied for a Navy Federal Credit Union credit card on XX/XX/2022 and was denied. I knew it was because of my bankruptcy that included a loss to them. However, I sent a message through the secure message portal asking if I will ever be able to reestablish credit with Navy Federal or will I forever be disapproved/declined for Navy Federal loan or credit products. On XX/XX/2022 I received a response that stated they are unable to extend credit to members who have caused Navy Federal a financial loss. The response also stated " If you are interested in repayment information of the loss account balance, please contact our Bankruptcy Department during normal business hours at XXXX. '' This goes against my rights as a bankruptcy filer. They shouldn't even be bringing this up to individuals who filed bankruptcy and caused them a loss. It seems like a subtle hint that if you pay them back they will then approve you for credit.
Consumer complaint received 2022-04-18
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. (AL)

In accordance with Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Experian-Bankruptcy # XXXX has violated my rights. 
Experian-Bankruptcy # XXXX has violated my rights. 
Experian-Bankruptcy # XXXX has violated my rights. 
XXXX-Bankruptcy # XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-18
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. (AL)

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 15 USC 1681. 

XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) has violated my rights CXXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX  ( inquiry date XX/XX/XXXX ) XXXX XXXX  ( inquiry date XX/XX/XXXX ) 15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2022-04-18
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. (NC)

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 15 USC 1681. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX  XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX Acct # XXXX, violated my rig

hts 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 States : no consumer reporting agency may make any consumer report
containing any of the following items of information Any oth

er adverse item of information, other than records of convictions of crimes which antedates the report by more than s even years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reportin
g agency if the person knows or has reasonable cause to believe that the information is inaccurate.