davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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. (TX)

XX/XX/2022 In Accordance with Fair Credit Reporting act Convergent Account : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has Violated these laws : 15 U.S.C 1681 Section 602 ( A ). States I have the right to privacy.

15 U.S.C 1692 ( C ) ( A ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, 15 U.S.C 1692 ( B ) ( 5 ), not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S.C 1681 Section 506 ( A ). Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681a., report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please note by law that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) .Be advised that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I'm keeping a careful record of your actions, including your Method of verification. I do not consent to E-Oscar or any means of automated verification. If you can not verify within the 30 day time period, you must delete all accounts from my report.

-Please remove all accounts that are not METRO TO COMPLIANCE.

-Please add a professional Suppression to my credit file.

Failure to respond satifactorly within ( 30 ) days of receipt of this letter may result in small claims action against your company.

seeking {$5000.00} per violation for : 1. ) Defamination 2. ) Negligent Enablement of idenity fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 XXXX 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 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (WI)

Loan from XXXX XXXX sold to Mr. Cooper ( nationstar mortgage ). Payment due tomorrow, still have not received any information about payment. Paid the monthly payment to XXXX XXXX to play it safe. It's an astounding degree of incompetence ; and you let this company assume mortgages?
Consumer complaint received 2022-01-28
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: EQUIFAX, INC. (TX)

Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NV)

I am charged monthly on my XXXX XXXX XXXX for my XXXX XXXX Membership. The change is set to be on the XXXX of each month for {$10.00}. Well I have been getting charged twice a month - once on the XXXX and then again on the XXXX for my XXXX XXXX Membership. I contacted XXXX and never got a response - so I went to Macy 's who has my XXXX account and filed an online complaint. I just received in the mail yesterday that they are unable to help me and to go back to XXXX. This has been going on I think since XXXX. I would have to go back and check my statements to find out for sure. I go back into the XXXX website and there are no phone numbers that I could find - same as my original complaint to them I had to email. Now I ca n't even find an email that I can contact XXXX - so I will have to go into my email account and find the original one I sent to them and re-sent. Hoping you can help.
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo decreased my credit limit based on a recent update to my credit. I have never had a late payment and have made large lump payments in the past. They did not warn me about the change and it is also going to impact my score by increasing my debt to credit limit ratio. This is egregious behavior in their part because they are causing a " double hit '' on my score. I wast even made aware of the change until I tried to use the card for car repairs.
Consumer complaint received 2022-01-28
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. (FL)

Upon checking my report I noticed a collection from XXXX, Ive never done business with this company or entered into a written contract with this company. This account is fraudulent. 

Please see attached Ftc!! Please dont respond back saying you cant read upload ftc report.
Consumer complaint received 2019-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Orions Management Group, LLC (UT)

This account was opened in XXXX of 2015 fraudulently. My identity was stolen and several accounts were opened in my name. I have filed with the FTC and a police report and have sent this to the company and they have ignored it. They have since sold it to Orions Management Group LLC and this company will not leave me alone. They keep calling me and harassing me and threatening me with civil lawsuit and judgement. When I told them the last time they called that this account was fraud due to identity theft they tried to blame it on my family and my husband. The account they claim was used is not mine. Orions have also put this on my credit report and this has hurt my credit. I also have told Orions that they broke the CROA law and that this has exceeded the Statue of Limitations for fraud and identity theft. I asked them to provide me with paperwork that has my actual signature on it and they told me they do not have it. They sent me paperwork via my email that was emails sent from a phone that was not mine.
Consumer complaint received 2024-03-08
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. (GA)

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.

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 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had a Bank of America XXXX BOA ) Cash Rewards World Mastercard since XXXX. I have paid off the balance every month this year to avoid being charged interest using the standard grace period per the consumer agreement which states " We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date ''. On XX/XX/XXXX of XXXX, I transferred another credit card balance of {$26000.00} to the BOA card using a " no-interest '' promotion if that balance was paid off by XXXX of XXXX. I was very careful in XXXX and XXXX ensuring that I paid off my ongoing daily purchases as well as the minimum amount required for the " no interest '' promotion. No interest was charged on those two statements. My total statement balance in XXXX was {$26000.00}. My statement balance in XXXX was {$22000.00}. My statement balance in XXXX was {$19000.00}. Clearly this shows that I not only paid off the daily ongoing retail charges before each monthly cycle but I also substantially paid off the promotional balance. On the XXXX statement BOA charged me interest on the daily charges saying I was no longer eligible for the grace period allowance because I had not paid of the daily ongoing retail charges. Despite the statement proving that my payments exceeded my purchases by {$2600.00} BOA insists on charging me interest. Their statement to me was " if you don't want to be charged daily interest then stop using the card for daily purchases ''. This to me is clear evidence that they no longer wanted to honor their cash back rewards portion of the agreement.
Consumer complaint received 2022-01-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : 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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I recently realized I have not received my credit card statements in the mail for XXXX months from Bank of America . I noticed this month my XXXX card due date used to be the first of the month but this month was closer to the XXXX. I wanted to check the due date on my Bank of America card statement & realized I haven't gotten a statement in the mail for a few months. I searched my email & found a message XX/XX/2022 for an e-statement. When I try to open the message it just searches. I Never requested to receive E-statements! Especially as the only statement
Consumer complaint received 2022-04-12
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. (DE)

This company ran my credit without my permission I received a phone call and this company was asking if I wanted a second mortgage and I asked how did they know my personal information this man lied and ran my credit without my permission I called the company and complained and nothing was done
Consumer complaint received 2017-08-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (NC)

A collection agency, Calvary Portfolio Service, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed from my credit report by law. I have filed disputes with the respective credit repositories -- but the continue to be listed as negative / outstanding item on my credit report due to the collection agency fraudulently re-aging the debt.
Consumer complaint received 2022-09-28
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I went to make my mortgage payment with Mr Cooper loan servicer. I could not log into website which has worked several months in a row without any issue. 

Tried to reset password and a code that was supposed to arrive in email never came. I checked spam folder, added email to safe senders list and nothing. 

Tried to call to get resolved- was on hold for an hour and no one responded. Hung up and tried again. Reached a rep who had no understanding on how to resolve issue. Said tech support would have to contact her and I still could not make my payment. 

Called again, reached someone and this rep changed my contact email to my other email account to get reset code sent to me 2nd email address and SAME problem.

Company could not get this straightened out on their end due to incompetence and lack of understanding. The issue clearly on their end as two email addresses do not send a code. But with their lack of a response it seems like they are clueless. I have no way to ever resolve this issue.
Consumer complaint received 2022-01-28
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. (TX)

I reviewed my credit report and found three inquires from XXXX XXXX. The dates of the inquiries were XX/XX/2021, XX/XX/2021, and XX/XX/2021. I did not authorize these inquiries. I reached out to XXXX XXXX directly and they agreed to remove the inquires from my credit report but the credit reporting agencies have not removed them. I have attached the letter to this complaint that I received through the CFPB from XXXX XXXX regarding these inquiries.
Consumer complaint received 2021-05-18
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: CORELOGIC INC (MO)

I asked CoreLogic/Credco. To know which methods they used to verify such information on my credit file. And what where they reporting to the credit companies and there responses was they cant give me the information that I requested
Consumer complaint received 2019-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I first discovered this account on my credit report and immediately send a letter of dispute on or around XX/XX/2019 and received no response. I have also included a dispute with the 3 major credit reporting buerus and it remains on my credit report.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

Over {$4200.00} was stolen from my account and deposited into a gambling website known as XXXX  XXXX. I submitted a claim of unauthorized charges which was denied. They sent me a rebuttal form which I completed and submitted on XX/XX/2021. They told me to wait 45 days to come with a resolution. After waiting 45 days, they tell me they never received the rebuttal form, after which a supervisor on the phone confirmed that they did, and are telling me to resend it and wait another 45 days. There's too many lies and deceptively to be trusted within this company
Consumer complaint received 2022-01-28
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: CORELOGIC INC (FL)

Corelogic, I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were expected they just waited. CORELOGIC, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Someone opened up an account with Bank of America using my maiden name and email address. When I try to call in to BOA to dispute this fraud, I keep getting blocked by their automated phone system because I don't have the full account number, since I didn't open the account. When I try to get around the blockage and ask for an operator, the wait time is more than 30 minutes and it seems like no one is available to answer my phone call. BOA needs to provide me with a way to close this fraudulent account.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NY)

Simple Bank transitioned to BBVA Bank, which I was told would be " seamless. '' Over a week has gone by since the " transition '' and I still can not access my account. BBVA does not answer the phone and does not have any other way to contact them. When I try to log into my account, I'm told my account is locked. When I reset my password, I'm told to call customer service. When I call customer service, I get a recording saying Simple customers will be helped soon. This is insane.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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.

has violated my rights. Or a list of inquiries : 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.