davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
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. (GA)

I am writing this because XXXX and Experian Pursant 15usc 1681b ( a ) did not have my written consent to furnish or report anything outside the permissible purpose and they did not send any required disclosures before they reported some negative accounts XXXX XXXX and XXXX XXXX of {$460.00} to my file. Futhermore, I sent the debt collector ( XXXX XXXX XXXX ) a cease and desist letter certified mail XX/XX/2022 ceasing all communication with me including my consumer report which is considered a medium ; I demanded for deletion for the accounts because them reporting anything is indirect communication. I cc XXXX and Experian in my letters and sent certified mail on XX/XX/2022 to both agencies. They are very well aware of the cease and desist letter because it was received XXXX XXXX and they are continuing to break the law as it is a violation of my rights as a federally protected consumer. XXXX and Experian failure to properly investigate.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION, XX/XX/2021 - Unauthorized Credit Inquiry on my credit report ( XXXX XXXX TRANSUNION, XX/XX/2021 - Unauthorized Credit Inquiry on my credit report ( XXXX XXXX XXXX
Consumer complaint received 2022-03-23
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: PENTAGON FEDERAL CREDIT UNION (FL)

Hello, I have two hard Inquiries from the same reporting agency. PENFED credit union, the one in XXXX XXXX is the accurate one but I have another one from the same credit union on XX/XX/2022 which I don't recognize.
Consumer complaint received 2019-11-20
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: Trident Asset Management, L.L.C. (WI)

I looked up my credit report and there is a debt on my credit report that is not mine. I have never had any type of debt with this company and do not know why they are reporting that I owe them. I have received several phone calls from them all times of the day and the phone calls are always very threatening. I have asked that they stop contacting me and that I do not owe them any money. The phone calls have continued, and the debt is on my credit report and negatively affecting my credit. 

The Company is Trident Asset Management Debt Amount : XXXX
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

On XX/XX/XXXX I emailed PHH to pay the second half of Summer Property taxes from my escrow account. 

On XX/XX/XXXX I notified PHH that the annual escrow statement was incorrect. I asked for a refund of the {$2000.00} that was in the account at the time of the " Annual Escrow Statement ( because they had not paid the second half of my Summer Property Tax ). 

On XX/XX/XXXX I responded to the incorrect Escrow Analysis letter and asked again for {$2000.00} that I paid for the second half of my property tax. 

PHH has not refunded my escrow that was available at the annual escrow statement.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (DC)

On XX/XX/XXXX I initiated an international transfer to a friend of mine in XXXX with MoneyGram. After completing the online process, at around XXXX on the same night, my bank called me to confirm this transaction. I provided my consent and it went through. 

Subsequently, at approximately XXXX, I received notification from MoneyGram that my transfer was sent. The reference # provided was : XXXX. 

Following this, I received an email at XXXX on the same day ( XX/XX/XXXX ) informing me that : " For your security, please note that effective immediately your MoneyGram Online profile access has been revoked and your profile has been suspended. 

MoneyGrams review of your profile and associated activity has identified it as being at high risk of fraud, scams, or other associated activity which may include a violation of MoneyGrams Terms and Conditions Please direct any questions to this link ; select E-mail and complete the online form. '' Since that date, I have submitted 4 different requests for information, one via Online Chat and three via the link provided in the email. The three via the link provided have case # 's as follows : - Case # XXXX : " XXXX - XXXX Question or Feedback '' ( XX/XX/2022 @ XXXX ) - Case # XXXX : " XXXX - Report Fraud '' ( XX/XX/2022 @ XXXX ) - Case # XXXX : " XXXX - General Question or Feedback '' ( XX/XX/2022 ) The first complaint had a response on XX/XX/XXXX that provided no additional information ; the bulk of the response is quoted below : " Thank you for contacting MoneyGram. We appreciate the opportunity to address any questions or concerns you may have. 

Upon review, it appears your inquiry addressed to MoneyGram has been noticed. You were able to spoke to chat service and the information about your profile account was provided. '' Nothing of the sort occurred with an online chat and I was somewhat confused how I received this message since MoneyGram does not allow these types of inquiries to be brought to the Live Chat folks... they immediately push you off to the weblink. I was informed on one of these Live Chats that since I received that email the transaction would have been cancelled automatically, but that is most certainly not the case. My bank account still has a {$270.00} debit from MoneyGram.

At this point, I have filed a dispute with my bank and am following the procedures they have set forth. However, I feel like MoneyGram has treated this whole situation in a way that has left me {$270.00} less of funds and a week of frustrating problem-solving while I was with my family in XXXX. The fact that they never replied and still have my money is concerning and I hope CFPB can help resolve this issue and take steps to prevent it from happening again.
Consumer complaint received 2017-08-21
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: EQUIFAX, INC. (FL)

I have disputed the bankruptcy filing and submitted my FTC report to Equifax, they indicated they was removing the accounts ( Bankruptcy ) and it still appears on my credit report. I have attached a copy of there response regarding their investigation.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Franklin Collection Service, Inc. (FL)

0n X/2017 I received a debt collect notice from Flanklin Collection Services in XXXX, MS XXXX case # XXXX for {$300.00}. This collection notice is for services of Data to me by XXXX XXXX XXXX account # XXXX. This collection is for overcharges of used Data for a Tablet that I got when I installed XXXX XXXX services at my home. I did not request the Tablet. I was disputing these charges. They kept charging me when I was requesting for them to take the Tablet. When I saw the charges I called XXXX XXXX XXXX, they did not want to take the Tablet back. They said that it passed the 15 days of grace period that I have keep it and pay the charges. I called them within a month. I disputing the case XXXX XXXX XXXX XXXX when they cancelled Tablet services, the XXXX XXXX service and charged me.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have attempted to sell my property through a short sale and have a qualified buyer, but my lender Bank Of America will not allow it. They are telling me there is not enough time to evaluate even though I started the request in XXXX, received the approval to participate in the XXXX short sale and an appraisal was even completed. Bank Of American is saying there is not enough time and I feel that this is not fair! This is ridiculous! I understand I have not been the most responsible with my payments, but I could n't help losing my job and dealing with the hardships has been a challenge to get back on my feet. Everyone goes through ups and downs and I want to do what I can to resolve my debt with my mortgage company. This is why I am trying to short sale the home and avoid foreclosure so I can put this past me and grow. My credit has already taken a huge hit and I would like to save it as much as possible from the foreclosure and close with the buyer we have the home under contract with. Bank Of America has wasted so much of my time with a loan modification and never provided updates or other options to help us. It has been extremely frustrating! They set us up to think they were working on the loan modification and in reality they were ignoring us. Every time I would call for updates, I would get the same response that the file was still under review and that a retention manager would get back to me. Next thing I know my home is on the foreclosure list for the following month. Due to the lack of communication and returned calls, I am filing this complaint with Bank Of America. I feel it is because of THEM that I " do not have enough time '', to complete the short sale. If they would of gave me other options I could of started this process a lot sooner. Now I am against a deadline and desperately trying to save my home. I feel that I have been taken advantage of by my mortgage company and feel that this is a wrongful foreclosure. I have always been on time until I lost my job. I want to escalate this to a manager and will continue emailing and calling everyone up the chain at Bank Of America until I am provided with fairness. For XXXX sake, I have a buyer that is ready to close if Bank Of America will just allow it.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

This is regards to Chex Systems. Inc. There is a security freeze placed on my account because several years ago there was fraud against me. Well I forgot that freeze was there and I went to open a business checking account XX/XX/24. So I had to request a new pin in the mail. It never came. So I requested another one several weeks later. It still never came. I submitted a third request on XX/XX/24 and nothing. I finally called them on XX/XX/24 to see what was happening and again they said they would mail the pin as that is the only way to remove the freeze. Well I got a letter in the mail and its just a statement of account. There is no pin, no anything. All I want them to do is remove the freeze. This is insane.
Consumer complaint received 2022-03-23
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. (NC)

all three agencies not updating balances on a monthly basis and affecting scores, cant dispute online says to wait til updates which have been over a month since the last update. get run around called card agency states they have already sent to the credit agency. call credit agency they say call the creditor. also, the XXXX score process paid down credit card balances to almost nothing owed and credit score lost points. being penalized for paying seems like.
Consumer complaint received 2022-10-26
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. (MO)

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

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) States I have the right to privacy. 

15 USC 1681 section 604 ( a ) section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681sXXXX ( A ) ( XXXX ) person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (OR)

This has happened more than once, and I have a documented voice mail from XXXX at Caine and Weiner where they threatened my credit report unless I pay them today. This sounds like a predatory  practice from a debt collector that I think should be stopped. XXXX XXXX XXXX : You 've got a new voicemail from ( XXXX ) XXXX. Transcript : XXXX this is XXXX. I 'm calling with Canaan whiner this is in regards to the outstanding balance for XXXX reference number XXXX. unfortunately it has now been 2 months in collections at this point. It will be affecting your credit rating unless we could get payment today. Please call me at XXXX XXXX XXXX. Thank you.
Consumer complaint received 2024-06-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Once again i never lived any where other than my house. This company is making false claims providing fake documents in a attempt to collect monies never owed to them. It is multiple law suits with this company on fraudulent claims.
Consumer complaint received 2022-10-26
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. (MO)

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

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) States I have the right to privacy. 

15 USC 1681 section 604 ( a ) section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681sXXXX ( A ) ( XXXX ) person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

Hi, My name is XXXX XXXX and across all 3 bureaus under my Chase card there is an issue with late payments that is being reflected across all 3 bureaus. I am trying to get an mortgage loan where there is 6 late payments reflecting on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX varying from 30 days to up to 90 days late. I have reached out to chase on multiple occasions regarding this in which they never helped to help me fix this and as a results closed my account at the time. Please see the attached documentation.
Consumer complaint received 2024-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MD)

This company is stealing my money and the government money. 

They are lying and nit telling the truth about where my mineybis going. 

Please call me XXXX. 

I will not let this keep getting pushed under the rug.
Consumer complaint received 2024-04-19
Product: Credit reporting 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. (IL)

On XXXX I sent a dispute to Transunion. Exhibit 1-3 is the certified receipt and also the dispute letter that was sent to Transunion. Transunion responded with verified as accurate. See exhibit ( A-B ) So I disputed the inaccurate information with XXXX XXXX XXXX XXXX. See exhibit ( X-Y ) XXXX XXXX XXXX XXXX respond with exhibit ( Z ). The court is not the furnisher like Transunion was trying to make it seem. So who is the furnisher Transunion? Where did they get this inaccurate information from? And what type of investigation did you do to get these results? This is a direct violation of 15 USC 1681. No consent is identity theft and these violations are Aggravated Identity theft, Pursuant to 18 USC 1028b ( 1 ) A ( ii ) You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc. (NV)

This complaint is regard to false inaccurate erroneous information on my credit report. Sentry Recovery has been reporting this false information on my credit account since XX/XX/2018. I reviewed my credit report and noticed the amount that they claim is owed has changed several times from {$1100.00} to current {$1300.00}. I have been in contact with the original creditor and they are not able to provide me with any records on why any balance is on my account or the reason a balance is going up. 
This debt is not mine. Also I did not receive any notification of any debt being added to my credit profile which from my understanding is illegal. 

I have spoken with representatives at Sentry recovery on several different occasions due to them harassing me over this alleged debt. They have not been able to provide me with any breakdown of fees, deposits or pictures of any alleged claims for an account. I have spoke with XXXX XXXX, XXXX and as well XXXX XXXX just to name a few. 
Each call ends with them either hanging up due to them not being able to verify any info or long wait times. These communications have been made over the course of three years too long.If they are not able to provide these things then they should not be legally able to collect. 

I have disputed this information with the major credit companies and this false account has been removed from each except XXXX. They claim this is a valid account but are not able to provide with any validation such as records, price breakdown or fees. 

This account is affecting me in many ways. My next steps is a lawsuit for deformation and reporting false information. Please remove Sentry Recovery Collections from my accounts.
Consumer complaint received 2022-03-23
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -ACCOUNT # XXXX - DATE OPEN XX/XX/2022 - ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING CONVERGENT ACCOUNT HAS VIOLATED MY RIGHTS. 

-15 U.S.C 1681 SECTION 602A. STATES I HAVE RIGHTS TO PRIVACY.

-15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATESA CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WIHTOUT MY WRITTEN INSTRUCTIONS.

-15 U.S.C 166b A CREDITOR MAY NOT TREAT A PAYMENT OR PAYMENTS ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Didnt look into my claim when I provided the information. Reason denied was I didnt provide the information when I did via mail and also sent via email multiple times. From one email I received multiple pushbacks.
Consumer complaint received 2022-03-23
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)

In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX XXXX ( Original Creditor : XXXX ) account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) 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 2022-03-23
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: Synerprise Consulting Services, Inc. (TX)

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-08-30
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. (PA)

The CRA furnished this account on my report after I let them know this account isnt mine. They send me statement back saying verified. According to the law an account can only be verified by the consumer and personal interviews. So in the extent who are the names that were interviewed to say thus account was verified. This is aggravated identity theft. I did not give any one written consent to furnish this account on my reports. This is causing damage to my reputation.