davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (OH)

Reference my prior CFPB complaints ... Discover Card has not only failed to close my account they are illegally and fraudulently and without my permission monitoring my loan activity through other banks and financial institutions. My attached documents will show evidence of this illegal and fraudulent surveillance/monitoring of my loan activities by Discover Card since my last CFPB complaint XX/XX/2018. My attached documents will show evidence of this illegal and fraudulent harassment via " alert '' emails and texts by Discover Card since my last CFPB complaint XX/XX/2018.
Consumer complaint received 2018-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, i am sending you this complaint because i tried getting these inquires off my credit with Transunion and XXXX. The credit bureaus did not want investigate even after i explained that they were not authorized by me. This has been very stressful because the credit bureaus don't want me to help me. 


XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX   XXXX  XXXX ,XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX & XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Our new home mortgage was sold by XXXX XXXX XXXX to the Mr. Cooper/XXXX XXXX XXXX, effective XX/XX/XXXX. We made our first payment in the amount of {$4200.00} on XX/XX/XXXX. The funds were posted and allocated correctly. 
The 2nd payment we made posted on XX/XX/XXXX in the amount of {$4200.00}. When we received our statement, we noted that the total amount of the payment was applied to our principal loan amount. No portion was applied to interest or escrow. Also, our escrow balance was reduced by {$1000.00} and additional {$96.00} was taken out for PMI which had already been deducted. 
We contacted Mr. Cooper/Nationstar twice on XX/XX/XXXX to attempt to have our payment of {$4200.00} properly allocated and to determine the status of the missing {$1000.00} and an explanation on why an additional month of PMI {$96.00} was debited. 
The call center persons at Mr. Cooper were unable to explain why they posted our entire payment to principal without our approval. They were also unable to determine why {$1000.00} was taken from out account and where it now has been transferred. Finally, there was no explanation as to why additional PMI was withdrawn. We were told that they would provide us with a response and correct the account within 24 hours. As of today, XX/XX/XXXX, we have had no response from Mr.Cooper/Nationstar and our online account has not been corrected. We are obviously very concerned that the payment on our mortgage was misappropriated as well as there are now funds missing from our escrow account.
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NY)

I got a mortgage from XXXX financial institution XXXX. This institution went out of business for a long time, maybe XXXX. For over ten years I am been dragged in and out of court by other institutions in an effort to confiscate my home. 

When I bought this house, I was part of the mortgage scam. I was given a mortgage for over {$500000.00}. As an elderly American I was not aware of all the trickeries applied to me. I got a house and when I went to take over it was a shell. No bathrooms no kitchen, no running water, no plumbing, roof caving in, no heating system ; It was just a shell. I was tricked. I cried because I was indebted to a bank and I had no home that was fit for living in. I was a victim of the mortgage scam. I did not know how to fight a big bank. I paid the mortgage and had few repairs done so I could live in this shell I was given. How could a bank authorize and pay out {>= $1,000,000} mortgage for a shell. 

The bank XXXX is no longer in existence. Two judges have since dismissed the foreclosure case. Today the judge is rescinding saying he made a mistake. Now another bank Seterus financial institution is putting my home on the auction. Who can investigate these financial institutions for such robbery to a widow with no husband to help fight such giants. What I understand is that I was robbed and the representatives of the financial institution XXXX and the parties involved must have known. 

After fighting this situation, depleted all my resources, to live in my home, now another bank is claiming my home. Who am I to petition to investigate both the assets of XXXX a bank no longer in existence and Seterus who is claiming to own this robbery of a situation? Please help I can not be robbed twice for the same home.
Consumer complaint received 2023-03-25
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX  XXXX XXXX Balance : {$130.00}
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I received an alert from Experian about an account being reported by XXXX. Please be advised I have requested validation { not verification } of an item reported to Experian by XXXX. I have received a response through CFPB that clearly violates my rights according to the HIPAA Act of 1996. 

I have filed a HIPPA violation with the Florida Department of Health for XXXX XXXX XXXX XXXX. And XXXX did NOT provide me a HIPPA release for my medical information to be sent to them, therefore by XXXX XXXX providing such information they are in VIOLATION of my HIPPA rights. 

I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. XXXX is in direct violation of HIPPA regulations, and they are facing fines up to {$1000.00}, even possible jail time. XXXX   IS NOT LICENSED TO COLLECT ANY DEBT IN FLORIDA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Credit reporting agency incorrectly keeps reporting a collection account from XXXX XXXX on my credit report. It shows the balance being updated in XXXX for {$680.00}. I asked for this debt to be verified and because XXXX XXXX has not provided any proof of this debt or verification, it should be removed. Credit reporting agency keeps reporting it as true and on my report although it is not and has not TRUELY verified the actual debt from the debt collector.
Consumer complaint received 2023-03-25
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. (VA)

I am writing to dispute the inaccurate and inconsistent credit reporting practices of several creditors. Specifically, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

These violations have greatly impacted my life, making it difficult to obtain credit and negatively affecting my credit score. For instance, my XXXX XXXX XXXX XXXX ( XXXX ) account has been reported inaccurately to all three credit reporting agencies ( Transunion XXXX XXXX, and XXXX XXXX, with inconsistent reporting of the Last Verified type, Date of Last Activity, and Final Payment. Additionally, XXXX and XXXX failed to report my XXXX  ( XXXX ) account, and inaccurate information has been reported for my XXXX  XXXX ( XXXX ) and XXXX XXXX accounts, including the High Balance, Last Verified type, Date of Last Activity, and Closing Date. Furthermore, the reporting of the High Balance has been inconsistent among Transunion, XXXX, and XXXX for my XXXX XXXX  XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) accounts. 

These errors have caused significant emotional distress, making it challenging for me to secure loans and credit at reasonable rates. It is my belief that these creditors have violated the FCRA and FACTA by failing to provide accurate and consistent information to the credit reporting agencies. 

Therefore, I request that you enforce the legal provisions of these acts and require the creditors to remove the unverified collection accounts from my credit report. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received a letter from Portfolio Recovery Associates dated XX/XX/2018. I have spoken with and been assured that XXXX will not contact me in any way. As I am severely XXXX and on XXXX, there is no possibility that they will ever be paid. I indicated that on the phone and they assured me they would not contact me again, in any way for any reason. 

I have written to XXXX over the years requesting the same thing, no contact, yet they continue to contact me. Admittedly, the contacts have reduced to only once every several months, but they still contact me. 

Please, No more contacts. I can't pay and have made my situation clear and agreed to send them my XXXX benefits letter if they wanted proof, which they have not wanted.
Consumer complaint received 2018-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

XX/XX/2018 the state of North Carolina suffered a terrible hurricane.Our state was declared a disaster. The town where I live is still trying to recover. My house suffered {$17000.00} worth of damage. Insurance paid the claim in XXXX making the check payable to my self and Ditech Financial. I endorsed the check and sent it overnight with a paid over package for return. I have been trying to get Ditech to release some funds so I can complete repairs to my home. I am unable to pay my mortgage this month because I have used all monies I had to purchase material to make the home safe to live in. Ive sent in pictures, estimates and material cost as requested, but I have not received one dollar as of this point from Ditech. Every time I call the claims department a different representative tell me something different. I need the money the insurance company paid for the claim so I can repair my home. I do not know what else I can do to get them to release some money for repairs.
Consumer complaint received 2023-03-25
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. (GA)

Dear Consumer Financial Protection Bureau, I am writing to dispute the erroneous information being reported by my creditors. The errors on my credit reports have had a significant negative impact on my life. Specifically, I believe that several violations have occurred, including those under the Fair Credit Reporting Act ( FCRA ). 

First, I would like to bring to your attention the fact that TransUnion and XXXX are listing account number XXXXXXXX XXXX as a mortgage account instead of a real estate account. This is a clear violation of the FCRA. 

Additionally, I have noticed that XXXX and XXXX are not reporting the monthly payment as {$0.00}, as reported by TransUnion. Furthermore, XXXX is not reporting the balance of {$0.00}, as reported by TransUnion and XXXX. This is another violation of the FCRA. 

Moreover, TransUnion or XXXX is reporting that sowing is due every month, but actual seeding is unreported. TransUnion has set a credit ceiling of {$0.00}, but XXXX and XXXX have made no reports, which is yet another violation of the FCRA. 

Furthermore, TransUnion is reporting that the account was 120 days past due, but XXXX is reporting that it was Account moved to another location or reported to XXXX at least four installments or 120 days past due. This discrepancy is a violation of the FCRA. 

In addition, XXXX and XXXX are not receiving reports of remarks that were transferred to TransUnion or another lender, which is another violation of the FCRA. The misuse of e-OCAR and the wrong Metro2 format are also violations of the FCRA. 

Lastly, between XX/XX/2022, and XX/XX/2022, a remark code for a charged-off account was added to the account. This is a violation of the FCRA. 

These violations have had a significant impact on my life. I have been denied credit because of these inaccurate reports, and my ability to secure housing and employment has been hindered. It has caused me a great deal of emotional distress and has affected my quality of life. 

I respectfully request that you enforce the legal rights that I am entitled to under the FCRA and have the creditors remove these unverified collection accounts from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-16
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: U.S. BANCORP (IA)

i have been harassed via phone calls by debt collectors like XXXX XXXX saying i owe {$1400.00} & XXXX, a {$10000.00} credit card from U.S Bank, {$680.00} from XXXX XXXX and an auto loan from XXXX  that i'm not aware of. I have asked these companies to stop calling me and to remove these items off my report after disputing them in XXXX. I have been denied credit and can't move on in my career with these items being reported on my name
Consumer complaint received 2018-11-19
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. (ND)

On XX/XX/XXXX2018 I receive a notice of a increase in a visa interest amount. the increase on the account was due to a bad credit score, they obtained the score from Transunion out of XXXX, PA. All information in this report is false and incorrect. I have kept all accounts current and in most case 's pay off the loan before it due time. the house was paid off 15 years ahead of note due date. All car loan paid on time and paid off on time or before due. Credit card XXXX limit owes XXXX of which will be paid off on XX/XX/2018 always on time never late. balance in checking account XXXX on main account AEP account XXXX savings XXXX plus more, XXXX loan on all real property .Value at XXXX other property value is excess of 150000. plus more.

Tran Union was contacted and they just blew me off and said Its not their problem because of false information they sent out. Well its there problem they are filing false for the public to know of and they should make it right.
Consumer complaint received 2023-03-25
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. (MA)

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 2022-07-26
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. (PA)

TRANSUNION : reporting my name, employer and several phone numbers incorrectly. My name shows as XXXX XXXX XXXX and it should only report as XXXX XXXX. Also, you are reporting several phone numbers that I have never owned and they do not belong to me. Please remove the following phone numbers from your report. Also, please remove the employer UPPING XXXX XXXX XXXX my employer is XXXX 
Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this incorrect address from my report. XXXX is reporting Employer as XXXXXXXX XXXX. They are not my employer XXXX is my employer. Please update my employer to say XXXX. 

XXXX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this incorrect address from my credit report.
Consumer complaint received 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (NY)

Today - XX/XX/2018 - I had a very strange conversation with someone called " XXXX " at Chase Executive Offices. 

XXXX told me that they were not going to fix the problems! XXXX said to start a new complaint! 
- So - that is what I am doing now! 
- That was strange. Because when I submitted complaints - I got replies telling me to call the phone numbers & the extensions & all that. 
- So today - when I call the number & the extension & all that - then I'm told to file another complaint! 
- Y weren't the problems fixed today??? 
- Y? 
- - Y weren't the problems fixed today??? 

- I wanted the problems fixed today!!!!!!!!!! 

According to THE LAWS - the problems should have been fixed MORE THAN A YEAR AGO! 

XXXX apparently hung-up on me before I could finish explaining things. 

- - It now seems like they r giving me a run-around! 
- I'm probably going to get a response from JPM Chase telling me to call telephone number & extension all over again! 


. 
XXXX - who repeatedly refused to state full name - told me that Chase was not offering financial compensation for re-insertion of derogatory items! 

- I tried to explain that it was NOT so much a matter of whether Chase was offering Financial Compensation for re-insertion of derogatory items! 

- It was more a matter of THE LAWS that say companies that do re-insertion of derogatory items ARE SUPPOSED TO PAY Financial Compensation for re-insertion of derogatory items! 

- Victims - like - for example - me - are supposed to receive XXXX $ ( XXXX XXXX dollars ) of financial compensation per re-inserted derogatory item! 



. 

It now seems like they have no serious intention of complying with FCRA - CPA - ADA SMCRA - FACT ACT or other laws in these cases! 

- It now seems like the victims like me are going to have ask lawyers to file lawsuits about these kinds of problems!
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been dealing with identity theft that started picking up quickly in XX/XX/2023. 
Since then. I have repeatedly reached out to Transunion to freeze my credit. The thief is able to reset my online account and unfreeze my credit by using the option to reset by answering security questions, which can easily be answered using my credit report. 

I have reached out to Transunion numerous times, speaking with numerous departments, asking them to take away the option to unfreeze my credit online. Each time I have been met with resistance or the inability to do anything - one supervisor even offered to add a security phrase to my account and said this would be required to unfreeze my credit, but two agents since have confirmed that nothing was added and refuse to offer any additional help.
Consumer complaint received 2023-03-25
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. (NY)

My name is 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.