davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

As I stated in a previous complaint, XXXX XXXX ( once managed by XXXX XXXX XXXX XXXX, and XXXX, NOW CURRENTLY managed by XXXX XXXX ) has been unfairly discriminating against me since I moved in and out of their terrible apartment community. 

Their community is infested with bugs, vermin, and the like ( both people and animals ). I had a horrible time attempting to fix issues that started with their improper leasing and discriminatory acts. The actors responsible include " XXXX XXXX '' previous agent and the current leasing agents. While I do not remember all of their names, I have documented proof of their racial animus and bias. 

I moved in. They checked my credit twice, without asking the second time. There were issues with my health and I attempted to pay them on time, each time, but their partner in crime, XXXX and others, internet portal NEVER worked on payday. Even though their systems did not work, and this was due to their negligence and improper communication, they refused to take responsibility for their actions. I confronted the front desk staff multiple times, initially, they were " kind '' and offered rebates but never offered to take full account for their errors. About a month or two before I moved out, I was told the company was sold to XXXX and that any continuing issues needed to be taken up with them. 

This is categorically unfair as well because PREVIOUS PAYMENT arrangements were discussed with the previous leasing agents, but the current, and subsequent, refused to check their records and acknowledge their faults. Each time I went in the office they were " doing audits '', but they could never accurately describe the issues with my payment UNTIL, they " decided '' to evict me. My payments, if the system would have worked, would have never been late, I had ONE noise violation, while others, often times were louder than me. I was promised when the lease was signed a quiet environment to conduct business and personal behavior, BUT, that never happened either. 

ALL in ALL XXXX XXXX is trash. Their leasing department is racist. You can even check their website. It states they welcome ADA individuals and the like, but they treated me, my illness, my puppy assistant ( XXXX ) and I as if we were a problem, when if you ask anyone else in that community, we were nothing but nice. I don't appreciate a false eviction on my record, nor do I appreciate a new debt collector attempting to recover debts that were the product of racism and negligence in the first place.
Consumer complaint received 2017-11-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Conformation # XXXX I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of FCRA-they are required to " promptly delete all information which can not be verified '' that  i have disputed. please resolve this manner as soon as possible. Thank You
Consumer complaint received 2023-03-22
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. (TX)

According to the law 15 U.S. code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and consumer notices the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct reasonable investigations to determine whether information is inaccurate and record the current status of the disputed information or delete the item from file in accordance with paragraph ( 5 ) be the end of the 30 day period beginning on the which the agency receives the notice of the disputed from the consumer or reseller
Consumer complaint received 2023-03-22
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. (UT)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have received my XXXX Consumer Disclosure Report and I found some incorrect information that Experian and XXXX is using to verify my disputes. The inaccurate information is hindering my ability to secure credit. Please conduct a proper investigation on the below disputes. 
I am disputing the incorrect reporting of a Bankruptcy on my XXXX XXXX Report. This Bankruptcy was Vacated/Dismissed. Dismissed Case mean that the lawsuit is closed with no Finding of guilt and the legal affect is that the Bankruptcy is deemed Void.
Consumer complaint received 2022-07-11
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 credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, XXXX XXXXXXXX Account # : XXXX, XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  / XXXX XXXX XXXX, Bankruptcy XXXX XXXX Bankruptcy  Status : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : 0 Court : U.S. Bankruptcy Court Liability : 0 Exempt Amount : 0, Inquiries Creditor Name Date of inquiry Credit Bureau XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting this complaint to you today to inform you as well as the Credit Reporting Agencies that I am a the victim of identity theft. I conducted a research on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and inforamtion that are listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX Balance - ; XXXX/XXXX  XXXX Balance - ; XXXX XXXX Balance ; XXXX/XXXX  XXXX Balance {$320.00} ; XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; and XXXX - XXXX SERVICE Inquired on XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I, XXXX XXXX, am lodging a complaint against TransUnion for inaccurately reporting unverifiable public record information, and other information on my consumer report and failing to conduct proper investigations and reinvestigations for years despite me launching several disputes with support. Please see attached for more details.
Consumer complaint received 2018-11-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NY)

I have been trying to refinance my personal home ( as a result of a divorce ). All documents were fully submitted on my end and the only thing outstanding was a CEMA request to my current mortgage company ( XXXX XXXX XXXX ) made on XX/XX/XXXX. This CEMA request represents a significant savings in money of nearly {$15000.00} which I need as a recent divorcee with 2 children. After having no word from XXXX XXXX for 2 months, I called the company to learn nothing had been done to fulfill the CEMA request on their end and I was told that the request would then be expedited. That was two weeks ago. Now we are learning that XXXX XXXX claims to not have certain required documents ( the original mortgage note ) ( that they should have received from XXXX XXXX  XXXX upon acquisition in XXXX. This note is necessary to complete the CEMA request. This is unacceptable. This has cost me in time and potentially money. I pay my mortgage every month, the least XXXX XXXX can do is manage the documents related to my loan. It's precisely this kind of business practice that was at issue in the mortgage loan crisis.
Consumer complaint received 2023-03-22
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. (PA)

XXXX XXXX # XXXX Open date TransUnion-XXXX XXXX XXXX Date last payment TransUnionXXXX XXXX XXXX  TransUnion-XXXX  120 days late XXXX XXXX 150 days late XXXX XXXX 120 days late TransUnion-XXXX 120 late XXXX XXXX XXXX XXXX TransUnionXXXX - XXXX - XXXX OK TransUnion- XXXX XXXX XXXX OK TransUnion-XXXX XXXX XXXX OK Since XX/XX/XXXX to XX/XX/XXXX I have sent multiple letters. With no response back. 
Attempted to dispute online but was unable to upload any documents. 
Attempted to get thru on phone after being on hold for hours. 
As a XXXX work 16 hour shifts throughout the pandemic XXXX XXXX XXXX then coming home to care for XXXX children. This has been emotional draining. 
These derogatory errors on my credit report are preventing me and my family from building our dream home.
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

In 2018 I attempted a loan modification with my loan servicer Shellpoint mortgage and in the end after paying {$5000.00} in attorneys fees the offer by Shellpoint was {$600.00} a month more than what my current loan was. I was already struggling to pay the current loan and the additional {$600.00} offer caused me to decline the mortgage modification. I had to bring the loan current which cost me {$15000.00} which I paid up through to 90 days as they explained was appropriate. They explained I could add extra payments to close the gap overtime which I continued to do. Today I am currently trying to refi my home to come out of Shellpoint mortgage is a ARM with a floor at 5.94 % so that I may lock in a new loan at 2.97 %. The loan has been being paid consistently however when it was time to close on the refi Shellpoint, upon reverification of payments, indicated my loan have consistently been behind 60 or 90 days. Untrue. That gap was closed months ago and an attorney has since said with the declined loan mod, the 90 day gap should have just been added to the back end of the loan. This has now caused my refi to be in jeopardy if not fall apart and handcuff me to this loan. For which I am prepared to sue. If my Mtg payment happens to return for which I replace immediately, Shellpoint has charged me {$400.00} in fees for such in the past. Additionally, randomly, Shellpoint put my account with an escrow account just before my loan mod in 2018 and didnt inform me which also was making me Behind because my usual payments were no longer enough so this increased my monthly payment. This was not the original agreement when I did my mortgage and despite requests to remove it, the escrow acct still remains in place. In addition to that, any extra funds I may try to pay for fees or apply to principal either go to an unapplied funds account or they return my payment to me thereby making it almost impossible for me to either pay down the mortgage quicker or address the fees that they excessively charged me. Now, at refi closing they want to say my acct has had a year of 60 day lates when originally starting the refi they indicated the account was in good standing. Theu need to have their pay practices audited and fines/fees refunded to me because their predatory and userous. They want me handcuffed to this 5.94 % ARM rate.
Consumer complaint received 2024-02-08
Product: Credit reporting 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)

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

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX 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, 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 2018-11-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation (MO)

I have a loan thru XXXX XXXX in XXXX, MO. In XXXX, I notified the office that I had retained an attorney for bankruptcy. I have received 3 phone calls within the past 3 business days ( XX/XX/18, XX/XX/18 and XX/XX/18 ). I have continued to ask they contact my attorney ; however, they are not and are calling me.
Consumer complaint received 2018-11-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MA)

XX/XX/2018 XXXX I used what I thought was a reputable service to transfer payment to a Third Party for goods. Goods were not received. 

Called XXXX and they wouldnt do anything to cancel the transaction or even prevent the same scam from being perpetrated on others. 

Given all the big banks behind XXXX I would have expected better controls.
Consumer complaint received 2018-11-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2018, i checked my account and noticed an unauthorized pending charge for {$19.00} from XXXX. I contacted the vendor corporate office and spoke with the financial service department. They ran my debit card number through their system, and they did not locate an account using my debit card. I have never used XXXX  's services, because they are free. I contacted Navy Federal, and was told i can not dispute the charge because its still pending. Well that pending fraudulent charge caused more issues. The money it deducted from was my car note, in the amount of {$580.00}. Because they can not reverse the pending fraudulent charge, they returned my car payment stating " insufficient funds '', but ALL of the money was available until my account was fraudulently used. NFCU then states that I will be assessed a {$29.00} fee as a result. This bank is more susceptible to fraud than any other bank. This is the SECOND time my account has been compromised and the SECOND debit card. This is absurdity.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TN)

I have previously contacted CFPB concerning my insurance problem with TMS. TMS claimed that I had insurance refund which I didn't refund. After reading their response, I contacted TMS and a representative from their insurance department helped me contact both insurance companies and I paid off all insurance refund due. TMS informed me that they will another escrow analysis to correct the increase in my mortgage payment amount. 

Today, after paying the insurance refunds, they still have my mortgage reflecting the increased amount they claimed was due to the insurance refund. 
TMS claims that I have written several complaints on this issue, but it is because they keep misrepresenting issues and never truly wanting to resolve the issue keeps coming up. 

I will also like to know why TMS has continued to change its name every so often.
Consumer complaint received 2018-11-06
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)

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018.
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.