davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
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. (MD)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Transunion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Transunion written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Transunion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Transunion wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately. 

" see attachment "
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (MI)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2021, Experian charged {$9.00} to my XXXX XXXX account without my knowledge. I discovered the charge only when I received and reviewed my XXXX bill the next month. I attempted to cancel the charge through a number I found online and was told I could not do so without first providing personal and financial information. I refused to do so and contacted XXXX to dispute the charge. XXXX could not confirm the error but provided better/more trustworthy contact information for Experian and I felt more comfortable providing my personal information. The company canceled my " membership '' but refused to reverse the charge. I searched all my email for XX/XX/2021, and found absolutely no communication from any source whatsoever regarding membership in anything related to Experian. In my opinion, this is fraud on their part and action should be taken. Indeed, the notice attached to this complaint was the FIRST indication I received ( only after disputing the charge through XXXX ) that this would be a recurring charge.
Consumer complaint received 2020-07-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Michael R Naughton (IL)

We went to court before the COVID-19 started. I was recovering from XXXX  and XXXX XXXX from XX/XX/XXXX & XX/XX/XXXX. The original Creditor is XXXX   XXXX  in which XXXX XXXX had shared my XXXX  Procedure ( XXXX XXXX XXXX ) Without my permission. I have never signed any ( XXXX ) form to release any of my medical or dental records to ( XXXX XXXX XXXX ) or anyone. I have been back and fouth with ( XXXX XXXX XXXX about not owning this amount of money to ( XXXX XXXX ) XXXX XXXX XXXX Mentioned to the Judge he had made a mistake about the amount that is owed, he stated His Client ( XXXX XXXX ) said it was {$1100.00}. XXXX dollars before the courts had closed down for COVID-19 I told the Judge that {$1100.00}. The Judge told him to send me that correction and he never did, of the {$1100.00}. XXXX dollars, which was also, incorrect. ( XXXX ) the Receptionist who was working there at the time told me after I had paid my insurance covered it after two months later they claimed I owed more.
Consumer complaint received 2019-08-22
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. (AR)

Information inaccurately reporting. 
1. XXXX XXXX bankruptcy not my account. 
2. XXXX XXXX paid as agreed. 
3.NE XXXX XXXX XXXX XXXX XXXX agreed was never delinquent on XXXX & XXXX of XXXX 4.XXXX  XXXX falls under XXXX XXXX XXXX act paid in full. 

5 XXXX XXXX XXXX  purging and re-aging the account. Account being paid as agreed.
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (FL)

I opened a business account for my company on XX/XX/2021 with NFCU as I am a personal member. I am a consultant that offers small business consulting and career services consulting to individuals. I just opened a logistics subsidiary, XXXX XXXX where I will be providing interstate carrier services as well as freight broker services. I added a DBA to my business XXXX XXXX as well. 
However, on XX/XX/2021, my business account was abruptly closed without any notice or contact as to why. My business account was under XXXX XXXX, XXXX and my access number was XXXX. I only had the account maybe 2 weeks before it was closed with no reason as to why.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (WA)

AMEX XXXX This company is going to make money off my XXXX XXXX  at a business they paid and a business who furthermore blackmailed me and threatened my family 's life. 

Do not do business with American Express.
Consumer complaint received 2020-01-29
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. (PA)

I am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express written permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  Equifax nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation.
Consumer complaint received 2021-07-07
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: TRANSWORLD SYSTEMS INC (MN)

Someone fraudulently opened an account with XXXX XXXX / XXXX in XXXX of 2019. I have been consistantly calling XXXX XXXX XXXX XXXX as well as their collection agent TSI Inc. For the last two years and they have done very little to satiate my need for relief. I have started multiple inquiries into the matter at great expense to myself ( purchasing a printer, sending multiple copies of ID and signatures, police reports, etc. ) and they have done nothing. I have requested proof that the debt is mine and they failed to provide it on several occasions while simultaneously stating that it is my debt and that I need to pay it. I have gone over two years without being able to use my credit since they are on my credit score as being in collections for {$6000.00}. This is causing great pain and suffering in my life as I am unable to buy vehicles on credit, un able to buy a home, and last year they garnished my federal tax return even though I have been fighting with them for 2 years through their fraud team to try to get this removed.
Consumer complaint received 2020-07-24
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. (GA)

There are several accounts reporting on my credit file that is inaccurate or not mine : The following accounts is inaccurately reporting that I was late : XXXX XXXX - Date Open : XX/XX/2016 ; Bal : {$11.00} ( TU, XXXX, XXXX ) The following accounts do not belong to me ; this account is a result of identity theft : XXXX - Date Opened : XX/XX/2016 ( TU ) ; XX/XX/2016 ( XXXX  & XXXX  ) ; Bal : {$0.00} The following are unauthorized inquiries : XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (CA)

My Disaster forbearance plan ended on XX/XX/XXXX. The qualifying event for the forbearance was a reduction of income. My property was in a FEMA declared disaster area qualifying for individual assistance. According to XXXX XXXX guidelines I should be qualifying for a 12 months payment deferral. 

Please note on my file I previously had a XXXX XXXX deferral. To clear any possible confusion please review XXXX, XXXX XXXX XXXX ( XX/XX/XXXX Please see page XXXX on the servicing guide I have attached XXXX XXXX XXXX Please review servicing guide in detail that Previous Covid disaster deferral does not take away my loans eligibility for a disaster deferral.
Consumer complaint received 2021-07-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$5300.00} -This is not my account.
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a variable rate home loan with XXXX XXXX XXXX XXXX They offered me a rate renewal where I could fix my rate for the next 5 years. I agreed to the terms of this offer and formally applied on XX/XX/. On XX/XX/XXXX I was sent an email saying my rate renewal request was approved, and I was being sent a loan modification document to sign and return. On XX/XX/, I received a letter saying my rate renewal request was declined because Capital One did not receive my signed modification agreement within the required timeframe. However, I never received the loan modification document that I was supposed to sign. 

Today, on XX/XX/XXXX I called Capital One ( spoke with XXXX ) and told them I never received the loan modification document. They are saying that because their system shows they sent the document, there is nothing they can do. And, since they no longer offer loan rate renewals, I am unable to have my rate renewed. This is a terrible process -- I never received anything from them in the mail, regardless of whether or not their system says they sent it to me. Why can't they honor what they originally approved and send me the documents that need signing again, or electronically?
Consumer complaint received 2018-04-05
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. (FL)

I FIle a dispute with Experian Credit Agency, as they have a Report from XXXX XXXX there. XXXX and I had a dispute for a car got into an accident which XXXX sold me a GAP insurance which they forgot to process and left me withut insurance for 4 months after the crash. 
I disute with XXXX through XXXX and was at the middle of trying to negotiating, I did offer XXXX to pay the {$80.00}. same aount I would had to pay if they had processed the proper Gap Insurance I had paid for. XXXX Vindictively sold my Account to XXXX XXXX XXXX XXXX XXXX in the middle of negotiation and ACCORDING TO THE FAIR CREDIT REPORT ACT ONCE ONE SELL THE ACCOUNT ONE NO LONG HAS OWNERSHIP AND NEED TO REMOVE IT FROM THE CREDIT REPORT.

i DID REPORT IT TO EXPERIAN THAT XXXX needs to delete everything from my credit report as they sold this account and Experian has not removed it. 

XXXX needs to remove it as it is ilegal to remove it also Thank you
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. ()

On XX/XX/XXXX and XXXX th my husband and I opened an checking account with bmo Harris. We wanted a debit card we could use in the US. The agent took all our information but in the application o the XXXX put in our sin numbers and never asked if we had individual taxpayer identification numbers which I now know I need to have on my account in order to open it. We both have XXXX numbers as we had a house in the US and ran an XXXX XXXX XXXX XXXX. We also never gave a user Id. 

I have spent hours on the phone with so many people and even the agent that opened our account. The security question to me was what account did you open. I said a checking account. I was supposed to say smart advanced checking account. Then I was frozen out. I talked to a supervisor who said if I went to my local bmo branch with my Id and get a verbal passcode all would be well again and I could get into my account. I did this and after waiting about 45 minutes with the agent giving all my details to bmo Harris. Then I had my verbal passcode and was verified. The next day nothing was changed and now I have to go to a Notery which I am told is the only way to get into my account which we have deposited {$50.00}. The XXXX will cost us {$75.00} each. I also said I would take a pic of my itin or password and send it to you but now all they will do is make me go to a XXXX. Please help
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Coast to Coast Financial Solutions, Inc. (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2022-11-20
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. (WI)

My XXXX account has never been late and the balance is XXXX. I even called in the payment in full with my debt card They need to take off the late payment and correct the balance to XXXX.
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (GA)

This relates to prior CFPB Complaint XXXX which XXXX XXXX closed as resolved hower it was not closed appropriately and no further steps were taken to remediate the issue despite providing that feedback via the CFPB portal. 

Despite the account being closed and prior fees reimbursed, the bank continues to suffer from bank errors and charged interest on a closed account ( on fees that have been reimbursed due to bank error - same as before ) and now the account has a balance of XXXX. Additionally, only reporting for one credit bureau has been remediated as part of the prior CFPB complaint XXXX ( XXXX ), leaving the remaining bureaus with incorrect information which has decreased my score and does not allow me to get further credit ( XXXX  and XXXX ). 

Please fix this immediately and fix these systematic bank errors which are probably affecting all the customers in this situation. It seems the bank has an existing problem where after the fees have been removed/refunded, it continues to charge interest on the removed fees when those fees should not be charged. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

In accordance with fair credit reporting act XXXX  account 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 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 602 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-10
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 paid my credit card bill off in full for the scheduled monthly payment and experian took XXXX points OFF of my FICO score. In XXXX, I used 1 % of my available credit ( {$16.00} ). In XXXX, I used 0 % of my available credit and the message that experian placed on my alert " could help or could harm '' was that I may have paid down my balance or closed an account. I just opened my Credit card in XXXX. I paid the balance off in full because EXPERIAN recommended that I do so on their homepage under tips when building your credit score. The following month I did the same thing and they didn't ADD XXXX point to my score. I am filing this complaint because if the Credit Scoring Company is operating this way - there is something terribly wrong. I inquired with the company and they told me that they do not have any control or do not assign the scores. However, this is a case where consumer protection is necessary from EXPERIAN. Even if they don't control/assign the scores, clearly, the system is not working if it thinks that I closed an account that was just opened in XXXX. A machine should not have the last say about negatively deducting XXXX points from my FICO score when I am doing all of the recommendations of this credit bureau and the others as well. And why wouldn't it positively impact my FICO when my monthly credit card usage is 0 % after paying my bill in full. Again, how is this happening with the Most Important Credit Card, FICO score reporting company. I NEED SOMEONE TO HELP ME- THIS SHOULD NOT BE HAPPENING!
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (CA)

I opened an mortgage with XXXX XXXX XXXX in XXXX they sold the mortgage to XXXX XXXX  ( sometime during that time ) I sold my house in XXXX neither mortgage company reported my MORTGAGE payment history to the XXXX major credit bureaus. 

This inaccurate & lack of reporting to the credit bureaus have caused me thousands of lost $ & hiked interest rates for my current house, car purchases, & current credit. 

This lack of reporting has caused me credit pain for years ( not able to buy a car or house that I wanted ). 

Resolve : I would like both companies to add & report the XXXX mortgage payment history to my credit report. This abuse of lack of CREDIT reporting is NOT ok! 

I am furious at this. This is the mortgage companies job to do the right thing. 

I just spent 49 minutes talking to your staff to report this, now Im on line doing this.

I need help please Thank you