davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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: Bread Financial Holdings, Inc. (IL)

I have asked XXXX serval time have filed many many disputes. How did they come to report multiple payments received on my account after XX/XX/XXXX when I closed the account without payment never contacted XXXX since to make a payment or made any arrangements to bring this account current. but yet XXXX has reported payments made on my account from XX/XX/XXXX when I closed account again without payment up until XX/XX/XXXX then after the account was charged off and sold on XX/XX/XXXX payment continued to be reported after charged off from XXXX XX/XX/XXXX!!! SO THAT WE ARE CLEAR I AM ASKING WHO GAVE CONSENT FOR THESE CHANGES TO HAPPEN ON MY ACCOUNT HOW DID THESE PAYMENT COME TO BE!!!!????? 


NEED I REMIND YOU WHEN XXXX REPORTED THESE PAYMENT IT ILLEGALLY CHANGED MY FIRST DAY OF DELINQUENCY WHEN THEY MADE THESE UNAUTHORIZED CHANGES TO MY ACCOUNT. I HAVE ALSO FILED WITH XXXX  TO HELP LOOK INTO THIS BECAUSE I HAVE NOT GOTTEN A STRAIGHT ANSEWR FROM XXXX TO WHERE THESE PAYMENT ARE COME FROM AGAIN I AM NOT ASKING WHO OWNS THE CURRENT DEBT ONLY REQUESTING HOW THESE PAYMENT INFOMATION BEING REPORTED BY XXXX. 


WHERE DID THIS PAYMENT COME FROM AFTER I CLOSED THE ACCOUNT WITHOUT PAYMENT ON XX/XX/XXXX?
Consumer complaint received 2024-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2021-06-13
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. (LA)

I have submitted proof on several occasions to Equifax that the account with XXXX XXXX XXXX should not be listed as a paid collection but instead deleted. The company said they would delete because the account was not properly verified. I submitted proof of my CFPB results of which I am doing now and they continue to falsely say the company says they verified the account is being reported correctly when I have proof attached that it is not.They are the ONLY bureau reporting this inaccurate information and I plan to take further action if this is not resolved this time.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My current fico score is NOT accurate. I have paid all my credit cards to below 70 % of balances and these balances have not changed on the credit report nor has my credit score. Historically, I should be in high 600s. This past summer I was at XXXX. I have no late payments.
Consumer complaint received 2022-02-27
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. (NC)

In accordance with the Fair Consumer Reporting act XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-27
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

US Bank - mortgage with this bank - XX/XX/19 - made payment of {$3000.00} via bill pay from my bank to US Bank ; they applied that to the principal on XX/XX/19 - US bank drafted payment of {$1200.00} on XX/XX/19 and applied to the principal and interest ; then reversed it on XX/XX/19 ; I cancelled auto draft on XX/XX/19 and USbank was not authorized to draft the payment anyway and thats why I mailed {$3000.00} payment ; - bank says {$1200.00} was applied but it is not in transaction history ; this was additional payment which was never applied to the principal - USBank now denies refunding additional payments
Consumer complaint received 2017-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (SC)

Persons from the CBE Group, based in XXXX, NC, keep calling me about an alleged debt of {$670.00} owed to the USPS for unknown reasons. When I spoke with a representative - who refused to personally identify themselves - and they told me why they were calling me, asking how I would take care of this matter, I asked what the alleged debt was about. They refused to tell me. I told the representative not to call me again and that I do not want them to contact me. This has gone one at least five more times. I refuse to answer subsequent calls.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I sent XXXX  an Affidavit of Truth, Bill of Particulars and Cease and Desist that was sent and delivered XXXX XXXX according to USPS. XXXX defaulted on the Affidavit of Truth. 
XXXX has reported to consumer reporting agencies, without my consent, that I owe an alleged debt however that alleged debt is being reported in a positive balance. It is impossible to pay/owe on a positive balance, if it was an actual debt and is owed it should be shown in the negative. 
They are now reporting the account as closed, charged off as bad debt ( when again the debt was never mine to begin with ) and they are still reporting a fraudulent balance. This alleged debt is not an actual debt that I owe. Also if the account has been charged off it should not still reflect a balance due, the fact that it does is fraudulent. 
XXXX has still failed to balance out my account every month to rectify their bank error caused by their mismanagement of payment. XXXX has yet to produce an Insurance audit trail, a money audit trail in accordance with XXXX, or full disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 which I demanded. XXXX was sent a Conditional Acceptance which was delivered and left with an individual of the company XX/XX/2021 which they have failed to respond to with in the given timeframe. 
As a result of these documents being sent to restore my financial reputation, XXXX not only reportedly raised the APR on the loan to an outrageous amount but now are reporting false and fraudulent information that comprises my financial reputation which is an attempt to discriminate against me pursuant to 15 USC 1691 ( a ) ( 3 ).

I will state again pursuant to 12-1641, as XXXX has failed to resolve my concerns within sixty days this alleged debt must be discharged.
Consumer complaint received 2019-11-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (OK)

On XX/XX/2019 Tower Loan at XXXX XXXX XXXX XXXX XXXX  XXXX, Ok XXXX. XXXX. 

Manager XXXX called my job without Authorized my consent was asking why I was going to make a payment. I did explained to her I never authorized them to called me so pleas stop calling my phone. I did move to another office not sure where they know were I moved to, but I was very upset and embarrassed. I did give them information on why I couldn't make payment, due to no transpiration to there location, plus they didn't have debit to make payment. I was getting called on my phone saying if I don't call them I will get garnishment and they visit my home without my consent. I would like to file this complaint with fine.
Consumer complaint received 2022-02-28
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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
Consumer complaint received 2022-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Senex Services Corp. (MO)

I requested from the company a signature bearing document proving that I owe a debt to Senex. Instead I received a copy of sensitive and private medical information of which I have not released the rights to Senex to possess. The company did not prove by providing a copy of my medical records that I owe a debt to Senex. Also the company is in direct violation of my HIPAA rights and can be sued in a court of law.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I did not give permission, consent, authorization, to make a report nor did I benefit from the items listed on the report. On or about XX/XX/XXXX I called each agency, seeking to correct the report. I have sent in a complaint prior to instructing them on the items to remove ; Correcting the Name, address, phone number, occupation, open and closed accounts, inquiries. An adverse event happen, XXXX XXXX denied me my open-end account. I have instructed each agency, being subjects to the public the regulations state they must remove items from the report when they are being disputed, and they have not. that constitutes a form of identity theft. I have had a phone call confirmation stating that they did and they have not. Hindering delaying the pursuit of life liberty and happiness our monarch.
Consumer complaint received 2021-08-25
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: Experian Information Solutions Inc. (MI)

Checking over my report & I noticed the inquiries that I disputed with the creditors & bureaus are still reporting on my credit. I have no clue of how someone could get my information but I need these inaccurate inquires to be removed immediately its been passed 30 days Im no longer waiting.
Consumer complaint received 2022-02-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NJ)

I closed on a refinance loan with NewRez on XX/XX/2022 via their closing agent XXXX XXXX XXXX XXXX, XXXX. Subsequent to closing I've received 3 notifications from NewRez advising that my loan funded and providing me with a mortgage payment coupon. 
On XX/XX/2022 I followed up with XXXX XXXX XXXX XXXX, XXXX to obtain a copy of the signed closing documents, confirm that my existing mortgage had been paid off and to see when I could expect the monies to be paid to me from the closing. I was advised that the refinance loan did not fund and would not fund until I signed a Power of Attorney. In the 13 days that passed between the day of my closing and the day I made a follow up call to XXXX XXXX, I never received notice from XXXX XXXX advising me of a problem with the refinance or the need for me to sign additional documentation. 
With regard to the Power of Attorney, I called XXXX XXXX XXXX XXXX, XXXX on the day of closing and advised them that I was not comfortable signing a Power of Attorney giving anyone but me the ability to make changes to the closing documents. I was advised by XXXX, the closing mananger of XXXX XXXX, that I did not have to sign a document if I was not comfortable signing it. I asked if the loan would still fund if I didn't sign the document and she advised that the loan would fund but if a document needed to be corrected it would take a little longer because the document would need to be sent to me for correction. Based on XXXX 's representation I continued with the refinance closing. 
In addition , XXXX XXXX also wanted me to sign a document permitting them to charge me a {$50.00} overnight XXXX  XXXX fee. This fee was never disclosed on the XXXX XXXX XXXX or the Truth-In-Lending or any documentation from the lender, NewRez. It is my understanding that all fees must be indicated on the Settlement Statement. Even those paid outside of closing. For this reason, I did not sign the authorization to deduct the {$50.00} overnight fee. 
I did sign a Compliance Agreement which requires me to cooperate in signing any documents that may need to be corrected post closing. I am comfortable in doing this but I am not comfortable providing a Power of Attorney to allow someone else to make changes to my closing documents. 
I believe XXXX XXXX XXXXXXXX XXXX and NewRez LLC need to be investigated for unethical closing practices and theft if my current mortgage has not been satisfied.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After reviewing my recent credit report from XXXX, XXXX, and Transunion I noticed the delinquent accounts that did not belong to me XXXX XXXX XXXX {$980.00} CREDIT CARD OPENED XX/XX/2021 STATUS CLOSED. After reaching out XXXX letter I was meant with push back. They said debt was verified but never sent paper work or proof indicating that it was my debt. They have violated my privacy and confidentiality of my records and information by furnishing to a nonaffiliated party without my consent or given the financial pursuant 15 USC 6602 ( 8 )
Consumer complaint received 2022-02-27
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BRite Financial Services, Inc. (MI)

I have requested documents several times via XXXX XXXX XXXX from Brite Financial pursuant to 15 USC 1692g. I have received nothing from Brite Financial as Ive requested an audit trail for this account aswell as the address and name of the original creditor. 
XX/XX/2021 at XXXX. Brite Financial violated my consumer rights by giving out my location information and paying another person to come and steal my property. This is a violation of 15 USC 1692d ( 1 ).

Brite Financial has failed to provide me with any updated information with any and all third parties that this alleged debt is disputed pursuant to 15 USC 1692e ( 8 ).

Brite Financial has failed to send me a written notice of my right of redemption and/or reinstatement.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

In XXXX I attended high tech institute in XXXX California. I took a leave for 6 months after I gave birth to my child, which left me XXXX! In XXXX I was on perminate XXXX! I have been fighting XXXX, us department of education and XXXX XXXX since XXXX for my loan to be XXXX. I kept telling them I was perminatly XXXX, they would send forms for my dr to fill out, I would send them and would get more forms, for years! The same forms! I had some credit issues so I pay XXXX XXXX to repair my credit. In XXXX - XXXX I  got several 120 day late payments on my credit report which were in accurate and cost me! Then this year I got another 120 day late fee and at the same i applied for a fee credit cards! My credit score dropped XXXX points, i was denied the cards and got a few hard inquires on my credit report! I got a letter in the mail XX/XX/XXXX stating it was for annual employment income report! They know i dont work but also it says my discharge date was XX/XX/XXXX. I have been harrassed for many years by these student loan company 's and I need everything updated and correct, and discharged! They are still making my gma pay for some of my loan too cause she was cosigner! XXXX XXXX
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have filed multiple disputes with transunion credit agency regarding accounts that should not be on my report. They say information is verified as accurate. Which is not true. I have settled all my accounts and was told all would be removed from my credit report. Transunion have removed them and then put them back on months later. Which is wrong. And illegal in my eyes. My old debts due to covid unemployment were paid in full through the collection agencies or original creditors. And I was promised it would be removed. And also I was promised a letter of settlement and never received one. That's XXXX XXXXXXXX, XXXX, and XXXX, I have had great payment history and years of excellent track record, but when covid hit alot of people lost there jobs. Which I did. And fell behind. But as soon as I got back to work as normal. Everything was paid. And it still shows and reflects negative information and balance. Please fix.
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

About 30 days ago I applied for the Chase Bank XXXX XXXX card. I was not immediately approved but within 7 days I was notified of the approval and a XXXX credit limit and I was satisfied with this outcome. About 1 week later I received a notification from XXXX XXXX that the available credit on one of my oldest cards the Chase freedom had been lowered from XXXX to XXXX. I proceeded to call Chase bank and ask why I wasn't asked or notified of this change by them. Both a CSR and supervisor told me this is a new practice at their financial institution. They refused to do anything but move the line of credit around or told me I could apply for a credit line increase. But they have already just pulled my credit and no where in there terms and conditions says they can pull credit from another card. So in short they cost me a credit inquiry and a new card with a hefty annual fee and didn't supply any additional credit.
Consumer complaint received 2022-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc. (VA)

I am a federally protected consumer and a natural living person. I am aware that this company by the name of Simons Agency INC, is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe you this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Simons Agency INC should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

On XX/XX/XXXX I contacted Flagstar as I received a new statement increasing my mortgage payment from {$1600.00} to {$3400.00} due to real estate taxes. I submitted taxes for the year of XXXX since this was a new construction we only received one bill which was {$9000.00} but then I sent a corrected bill for {$8000.00}. My yearly tax is {$8000.00}. In XXXX the first installment is 55 % of {$8000.00}. The bill sent to {$4400.00} for first installment. The second installment is 45 % of {$8000.00}. {$3600.00}. This mortgage company is calculating my taxes to be $ XXXX. I called spoke to a supervisor and she said she would submit to the documents to escrow department to recalculate. They are adding the entire tax of XXXX and the first assessment of XXXX. I cant make the requested payment and Im afraid that my mortgage will desfavorable. I also reached out to a local flagstar originator and he was able to forward correspondence to me when I reached out to him. They didnt find any issues. It appears it wasnt escalated and sent to escrow department as I requested.
Consumer complaint received 2022-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (VA)

I am a federally protected consumer and a natural living person. I am aware that this company by the name of Credit Collection Servic is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe you this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Credit Collection Servic should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.