davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-26
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)

I have sent several certified letters to Transunion ( XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Transunion still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor.
Consumer complaint received 2021-09-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP (SD)

Purchased an XXXX puppy named XXXX on XX/XX/XXXX. {$1000.00} payment sent to XXXX XXXX at XXXX through US Bank XXXX. Transaction completed on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX. Puppy was to ship within 2 hours per website and XXXX XXXX. I contacted him several times and was told it takes time to process paperwork. My daughter called next morning at XXXX XXXX & spoke to XXXX. Told her the paperwork takes time, that I would hear from the shipper in a couple of hours. Three hours later I receive an email from XXXX XXXX XXXX XXXX XXXX XXXX with info puppy would be shipped at XXXX, arrive at XXXX. Delivered to my home. Received another email from them, requesting {$1400.00} for transport crate and I would be reimbursed when puppy was delivered. I thought they meant {$14.00} and sent another XXXX payment of {$14.00} to XXXX XXXX, XXXX email XXXX. They sent an email back stating the cost of the crate rental is {$1400.00} not {$14.00}. I emailed them back and told them the seller was responsible for shipping the puppy to me and to get the money from him. They responded back they would not ship the dog and did not refund my {$14.00}. At this time knew I had been scammed. Reported to US bank on XX/XX/XXXX. Did not hear back from bank. Met with a banker on XX/XX/XXXX and they will not refund my {$1000.00}. I want both web sites removed from internet and prosecuted to the fullest extent of the law : XXXX XXXX XXXX  & XXXX. The above information was sent to the Federal Trade Commision. 

Also, was told by a XXXX customer service representive, XXXX, who helped me set up the XXXX account I would be able to get my money back. I met with banker at US Bank, XXXX XXXX, on XX/XX/XXXX and was told I can not get my money back. The bank never made contact with me after I report the scam/fraud issue to them. I called a week later to insure my claim was being investigated and was told it was. I would have reported this sooner had the bank contacted me. Someone there dropped the ball. I never would have sent any money to anyone without assurance my {$1000.00} would be refunded to me if there were any problems. US Bank obviously supports the use of XXXX and should be held accountable to refund my {$1000.00}. Thank you very much for any help you can give me in recovering the money I was scammed out of.
Consumer complaint received 2022-02-21
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. (AL)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

As per the identitytheft.gov website I provided Equifax with the requested documents regarding Identity Theft claim, Equifax sent me a generic letter stating that they would not block the fraudulent accounts.
Consumer complaint received 2016-07-11
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: ENCORE CAPITAL GROUP INC. (RI)

This account is listed as XXXX XXXX Account which is violation, also Midland Credit Management states Past Due amount, I do not have a contract with Midland Credit Management. Midland Credit management also reports a 120+ days past due amount, I do not have a contract with Midland Credit Management XXXX Midland Credit Management reports a 1 month term, I do not have a contract with midland credit management. These are all FCRA Violations and I demand deletion or appropriately action will be taken. Thank you for your time
Consumer complaint received 2022-10-07
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. (VA)

In accordance with the Fair Credit Reporting acXXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX BANK Account # XXXX, XXXX 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
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (MI)

I am not swayed that Credit Bureaus has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both the Credit Bureaus and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-02-21
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. (KY)

Hello, I am XXXX XXXX. I am making a complaint to Experian in regards to the account on my credit report called XXXX XXXX XXXX. I finally received the letter of verification/investigation results dated XX/XX/XXXX, XXXX # XXXX. 

I am disgruntled with Experian 's professionalism as you spelled my name wrong, you stated you are not reporting XXXXXXXX XXXX on my credit report, however, you sent me a credit report that still lists XXXX XXXX. 

Again, this violates my rights and is against FCRA and FCDPA. 

Not to mention this is way out of the 15 day window of validation, yet this is still reporting! 

Also, I am unable to get ahold of customer service! No one that is a live agent is available! 

I demand Experian to update my credit report immediately and send proof of so via mail. 

Thank you,
Consumer complaint received 2022-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I secured a XXXX XXXX backed loan in XX/XX/2021 to purchase XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX through XXXX XXXX. The loan was quickly purchased by NewRez ( loan # XXXX ). On XXXX, NewRez mistakenly sent an insurance payment from my escrow to someone else 's insurance account due to what they called a data entry error. I have gone through XXXX escalation processes since then to get the money back, and they have still not put it back into my account. The most recent escalation, a " Refund Return Process '' started jointly over the phone by NewRez Customer Support and Insurance departments on XXXX was supposed to have the money back after XXXX business days, which would have been XXXX. The money is still not back as of XXXX. I called back on XXXX, and the agent says they will not be able to put the money back into the account until the money is returned from the account they sent it to by mistake. This seems counterintuitive, as a party that unexpectedly receives money has no incentive to promptly return it. Instead, it is NewRez 's responsibility to return the money out of their own accounts since the money was misappropriated as a result of their data entry error. I need help to get NewRez to return the money that they misappropriated.
Consumer complaint received 2018-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

My name is XXXX XXXX. I have an account with XXXX XXXX. I received notification from them on XX/XX/2018 that there is a new collection account on my equifax report for which I have no knowledge. The Company is Cavalry Portfolio Services. I have not been contacted by any means and totally dispute the validity of this alleged unless and until I am provided with proof of the debit and the opportunity to verify or dispute I am requesting that this negative mark immediately be removed from my XXXX   Credit Report. I have not contacted Cavalry but have disputed with XXXX.
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX
Consumer complaint received 2022-02-21
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. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise.
Consumer complaint received 2019-10-04
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. (MS)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report please. I have already contacted the FTC and police department in my area. Items to be removed : XXXX XXXX, XXXX XXXX on XXXX acct XXXX, XXXX XXXX XXXX. XXXX. I also saw some inquiries that i don't know nothing about XXXX XXXX   XXXX XXXX { XXXX XXXX XXXX XXXX  { XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MD)

I received a call from XXXX XXXX XXXX XXXX sometime around XX/XX/XXXX, and the person on the call stated I owed a debt and they needed my address in order to send me the information related to the debt. 

Having dealt with identity fraud recently I informed the caller I did not feel comfortable doing that, instead I would do some research and reach out to the company if they were legit. I did find them listed on my state 's debt collection registry. 

I used the debt dispute template asking them for proof of the debt and to stop calling me, until they've provided this proof. I sent a tracked mail to their address in XXXX but I have received no proof of this debt or any response whatsoever. However they have continued to call me every day of the week including during work hours.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MI)

Received a 'Notice of statement credit ' dated XX/XX/2017. In the letter it indicated I would receive a {$330.00} statement credit which would be applied to my account and would appear on my statement within two billing periods. 
My credit was never received so I phoned the credit card company and it was then explained to me that I would receive my credit by each {$50.00} purchase with a 1 % cash back. 
I do believe this is wrong and it stated a credit to my account. I would very much like this explained to me thoroughly.
Consumer complaint received 2017-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MI)

I was charged an overdraft fee for a XXXX cent transaction. The only suggestion I received from customer service is to start using a personal ledger. And it was relayed in the most condescending tones. I have been a customer for a long time. For small transactions like this, I do n't expect to be charged a {$36.00} fee. I have overdraft protection and mobile alerts active. However, this institution continues to allow certain transactions to post to my account even though there are pending transactions which have not reflected in my account balance. Earlier this month, I was also charged a fee for a music subscription withdrawal. The withdrawal happens shortly before XXXX ( as I received a text alert ) and the next morning I was charge an overdraft fee. I feel this is unfair because I immediately posted funds to the account once I noticed, but this institution refuses to take care of the fee because it 's not fraudulent. I am disappointed in the lack of customer service. If this can not be resolved, I will be canceling my account.
Consumer complaint received 2022-12-02
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. (TX)

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 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 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 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 2021-09-23
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (NV)

This is the SECOND CFPB complaint against Loancare for same issue ( previous complaint XXXX ). Loancare is again reporting my mortgage account as late payment 120+ days which has caused my credit score to tank. This caused me extra money, denial of credit and unnecessary stress.

Loancare corrected reporting on XX/XX/XXXX to turn right back around today XX/XX/XXXX and report inaccurate information. 

This information is not correct. Per previous CFPB complaint and Loancares response - ACCOUNT WAS NEVER LATE.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (PA)

( UNFILED ) Hello XXXX XXXX, Experian the CREDIT REPORT AGENCY keeps signing me up for services I did not sign up for. This will be the XXXX time Experian signed me up for member services that I did not consent to! I am now demanding 1000 $ from Experian within the next 14 business days for signing me for something I did not consent to!! XX/XX/XXXX I received a WELCOME BACK TO Experian Email! Welcome back where? I'm so confused! This is not the first time they've done this! So every time I speak with your company via phone I record the conversations. I listened to all the recorded conversations and during the conversation I stated I do not want to sign up with member services! Experian is a SCAM. Also in the fine print what Experian don't share with consumers is that if one sign up with member services, Consumer is signing their rights away to SUE Experian! Experian do not share that with consumer 's. I stated before during the recorded conversations I only want to be notified via mail! I told Experian atleast XXXX different times to remove my email from the database! WHY DO EXPERIAN STILL HAVE MY EMAIL ADDRESS? WHY IS EXPERIAN STILL CHOSING TO COMMUNICATE WITH ME VIA EMAIL? AFTER I TOLD THEM TIME AFTER TIME TO STOP! So Experian owes me 1000 , I am putting Experian on notice! DO NOT COMMUNICATE with me via email. REMOVE ME FROM YOUR MEMBER SERIVICES PROGRAM!!!!! The program I did not sign up for! The program once signed up, consumer 's can not sue for violations. REMOVE MY EMAIL ADDRESS & STOP SIGNING ME FOR YOUR PROGRAM. Should Experian continue to keep signing me up for services w/o my consent, I will send this over to my attorney. This is FRAUD. I expect to receive 1000 $ check USD in the mail within the next 14 business days for violating my consumer 's rights! My proof is all recorded conservations that I had with Experian stressing to remove my email, and stressing that fact that I do not to be apart of the member services or receive any form of communication via email as of last year! IN this complaint accompanies a copy of the email from XX/XX/XXXX a welcome back email from Experian. My address is the XXXX XXXX address, please send the check to that address
Consumer complaint received 2022-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

With the announcement of the new PSLF Waiver program, I submitted my first PSLF application on XX/XX/XXXX. It was denied on XX/XX/XXXX because my loans were XXXX loans up to XX/XX/XXXX. For that reason, the servicer declined to verify my XXXX years of non-profit employment, but did note that one verification would require a wet signature. 

Assuming that Fed Loan Servicing had not updated its review process to the terms of the waiver, I resubmitted by PSLF application- with wet signatures from all employers- again in XXXX. I also filed a complaint with Student Aid .Gov, and I received a response stating that my servicer would need time to update their review process. I received notification on XX/XX/XXXX, that my second PSLF application was received. 

After waiting 3 months, I call Fed Loan Serving. I received a call back and the agent told me that my second application had been rejected, but that she could not access the file to tell me why. I stated that I had not received a copy of the rejection nor was there a copy of the rejection in my online account. She said she needed to transfer me to a PSLF specialist. I had to hang up because I was at work and I had been on hold for over one hour. After the call, I uploaded complete copies of my payment history for my loans, and I received a form letter XXXX days later stating that my PSLF application was received. This was the same letter I received twice before. 

I have been employed with nonprofits for over 20 years and have made more than XXXX payments towards my loans. I was ill-advised to consolidate my loans to XXXX loans, and now with forgiveness in sight, Ive lost all faith in my services commitment to process my waiver and the Department of Educations oversight of the process. 

Can CFPB help?
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Foris DAX, Inc. (AZ)

Crypto.com is the company on the crypto app I told them I did not open a account with them a card was issued and they've asked me to agree to terms and agreement I told them no I told him to delete the account and they keep asking for my phone number and pen and I will not give them any personal information cuz I have not consented ever requested several times for them to delete the account they keep giving me the same information refusing to comply with the request I found a XXXX XXXX XXXX report and they still are not complying. They need to cancel the card. And delete the account associated with the phone number email and my personal information.i have pictures to prove what I'm saying.