davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S 1681 section 602 A. States i have right to privacy.

15 U.S 1681 Section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

On XX/XX/XXXX, I submitted an Error Resolution Notice under 12 C.F.R. 1024.35. This letter was received by Mr. Cooper XXXX XXXX XXXX XXXX XXXX, TX XXXX ) on XX/XX/XXXX, as USPS has verified receipt of the letter and signature by person XXXX XXXX. 

As at the time of submission of this report on XX/XX/XXXX, I have not received an acknowledgement to the letter or investigation from Mr. Cooper, despite several attempts to correct an issue related to multiple erroneous charges for Mortgage Insurance ( NATIONAL MI  ), totaling {$3000.00} in excessive withdrawals from my mortgage escrow account, all being delivered to NATIONAL XXXX which is owned by Mr. Cooper. 

Here are the facts : 1 ) My mortgage was purchased by Mr. Cooper from XXXX on XX/XX/XXXX. This mortgage only started on XXXX of XXXX after a re-financing from a different bank. 
2 ) For the months of XXXX and XXXX, Mr. Cooper has withdrawn {$510.00} a total of EIGHT ( 8 ) times each, for the concept of Mortgage Insurance, and paid to NATIONAL XXXX despite the mortgage only having been in Mr. Cooper 's portfolio for 2 months. Six ( 6 ) of these withdrawals are erroneous and need to be credited back. 
3 ) I have contacted Mr. Cooper several times as follows : - Over the phone twice on XX/XX/XXXX - Over email ( secure message ) on XX/XX/XXXX - Over email ( secure message ) on XX/XX/XXXX - Over error resolution notice ( physical mail ) on XX/XX/XXXX, signed delivered XX/XX/XXXX I kindly request the assistance of the CFPB for resolution, as my mortgage escrow is now in negative balance. I believe this is a result of a systems glitch in Mr. Cooper 's transfer of my mortgage to their systems, which is going to result in a charge of {$510.00} multiplied by each month of life of my mortgage every single month, rather than a single charge. This is exponentially going to accrue to hundreds of thousands of dollars of erroneous withdrawals unless Mr. Cooper takes immediate action.
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FMS Inc. (AZ)

In XXXX and AXX/XX/XXXX XXXX did not post payments to my XXXX 's account in a timely manner. I have repeatedly provided documents from XXXX XXXX   to prove those payments were made, in full and on time. XXXX charged late fees for bills paid in full and on time. Then they repeatedly charged additional late fees for the unpaid late fees until they got to {$290.00}. They stopped charging the late fees when they " ACKNOWLEDGED '' that they had in fact received both payments on time and in full : XX/XX/XXXX paid in full {$370.00} XX/XX/XXXX paid in full {$170.00} In spite of the fact that XXXX provided the documentation proof, XXXX did not remove the charge for late fees of {$290.00}. Several collection agencies call and harass me and my family trying to get ILLEGAL FRAUDULENT late fees paid. They continual add these late fees to my credit reports as NEW items hoping that I will just pay them anyway
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I requested a Mortgage Forbearance under the CARE Act with our Servicer Rushmore on XX/XX/2020 over phone and was verbally denied by Rushmore Rep because he stated of our being in foreclosure ( I believe he wrongly denied us ). 
We are also now once again requesting a 180 day forbearance under CARE Act in writing to Rushmore dated XX/XX/2020 and are waiting for a reply.
Consumer complaint received 2019-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp (IN)

I PULLED A COPY OF MY CREDIT REPORT AND NOTICED THAT CREDITORS DISCOUNT & AUDIT WAS REPORTING AS A COLLECTION. I CONTACTED THE CREDIT BUREAUS AND INFOMED THEM THAT THE REPROTING OF THE ACCOUNT IS MADE IN ERROR AND I AM NOT AWARE OF OWING THIS COMPANY. I SENT A LETTER TO CREDITORS DISCOUNT REQUESTING THAT THEY SEND ME PROOF THAT THEY ARE LICENSED TO COLLECT AND NEVER RECEIVED A RESPONSE. I THEN SEARCHED THIS COMPANY AND NOTICED THAT CREDITORS DISCOUNT IS NOT LICENSED/BONDED AND DO NOT HAVE THE RIGHT TO COLLECT IN INDIANA. I WROTE THEM A LETTER INFOMING THEM THAT I SEARCHED THEIR COMPANY AND THEY ARE NOT LICENSED TO COLLECT IN ALMOST STATES THAT I SEARCHED. THEY SENT ME A COPY OF A BILLING STATEMENT I REQUESTED THAT THE REMOVE THE ILLEGAL REPORTING FROM MY CREDIT REPORT AS THERE ARE VIOLATING MY RIGHTS.
Consumer complaint received 2020-01-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY XXXX  XXXX XXXX.
Consumer complaint received 2018-04-18
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: EQUIFAX, INC. (TX)

I need some help I disputed with Equifax a couple items that are inaccurate which are as follows XXXX XXXX XXXX XXXX medical debt for {$690.00} which is inaccurate I'm in the military and do not owe on any debt this is inaccurate and needs to be removed XXXX XXXX XXXXXXXX XXXX In XX/XX/XXXX and XX/XX/XXXX payments were on time, how was this information verified they can't pull up the data and verify nothing but account was paid off. Requesting these inaccurate remarks in the payment history be removed XXXX XXXX XXXX  XXXX XXXX is my current and active account and has always been paid on time I was not past 30 days late on XX/XX/XXXX and XX/XX/XXXX and if the information data is suppressed how can your agency verify this is accurate. Requesting removal of these two late payment remarks XXXX XXXX XXXX XXXX I do not agree my account was 90 days past due XX/XX/XXXX this is inaccurate information and needs to be removed I have attached a copy of your response so you can address
Consumer complaint received 2022-06-13
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I applied for a VA loan during the week of XXXX 2019 for a refinance with pentagon federal credit union. I submitted every document they asked for that I could send them. It took them three months to tell me they could not give me a va loan. Is there due process or time line they should meet? I can not shop around for another loan and not hit my credit.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX was dismissed in my bankruptcy with the last activity ofXX/XX/XXXX. However, all 3 credit agencies reported it as a late payment in XX/XX/XXXX.
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX Has been sending me collection notices in the amount of {$400.00} The collection has been reported as a past due balance. I do not know this company, I have never done any business with the company. I do not recognize this debt. 
This company does not have any contract with my signature
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX ; Called and was stated to file complaint FTC incorrect reporting late payments on XXXX account XXXX for the months of XXXX, XXXX, XXXX, and XXXX XXXX Equifax ; Called and was stated to file complaint FTC incorrect reporting late payments on XXXX account, for the months of XXXX, XXXX, XXXX, and XXXX
Consumer complaint received 2020-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (FL)

On XX/XX/2019 I filed a dispute for unauthorized ACH debits from XXXX. When speaking to the agent on the phone, I asked her to file a stop payment to avoid fees on the account. She refused to file the stop payment and claimed that they can only file stop payments if they know the dollar amounts of the ACH item. When I told her this was incorrect and that they can file stop payments by merchant name/Individual ID, she assured me there was no way.

Two days later and 18 NSF fees later, I received a credit for the dispute, but not the fees. Upon calling multiple times, I'm told I will receive a refund within 24-48 hours, however I still don't see the fees reimbursed and fees are still being added as of today. 

After speaking to multiple representatives with the bank, I still don't have a reimbursement of the fees and they're just now freezing the account. The representative I just spoke with claimed that fees relating to disputes are not waived until the dispute is resolved, typically up to 45 days. 

This bank policy breaks Reg E as fees relating to unauthorized charges need to be waived.
Consumer complaint received 2020-02-01
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX refuses to fix the error on my credit reports. I tried calling XXXX XXXX on XX/XX/XXXX@ext.XXXX was unable to speak with him personally. In a previous response XXXX XXXX replied that the credit reporting was reported delinquent because XXXX did not receive a XX/XX/XXXX payment when in fact a payment was made on XXXX XXXX XXXX ( XXXX ). 

My monthly payments were due on theXX/XX/XXXX of each Month with a late fee being added if payments were not received by the XX/XX/XXXX of the following Month.

XX/XX/XXXX payment was made XX/XX/XXXX BEFORE it was late 30 days. These final payments were being made to PAY OFF this loan!

When I made the XX/XX/XXXXpayment the loan amount due was {$450.00}, I was unable to pay that amount in its entirety therefore I paid a little more than 1/2 of that amount on XX/XX/XXXX in the amount of {$240.00} with the final payment on XX/XX/XXXX in the amount of {$210.00} XXXX reported to the 3 credit reporting agencies for the Month of XX/XX/XXXX ( pays as agrees ) but n XX/XX/XXXX 60 days past due. In XX/XX/XXXX eventhough they in fact received a payment of {$240.00} they reported my account 90 days past due and 90 days past due in XX/XX/XXXX eventhough XXXX received a FINAL payment of {$210.00}
Consumer complaint received 2022-06-13
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MD)

On XX/XX/XXXX I received a notice from my XXXX XXXX XXXX XXXX XXXX reflecting an overdue balance for water and sewer charge of XXXX plus late charges of XXXX. I immediately called my mortgage company, AMERIHOME to find out what was the reason it was not paid in time despite my monthly escrow payment made on time. They were unable to give me a reason, I faxed then the notice for immediate action. Nothing happened, the agent I talked to just took note of my call and didn't escalate the case so on XX/XX/XXXX I received a 2nd notice with XXXX late charge. I called XXXX and faxed it for immediate payment and at this date all they tell me is that they are working on it ... ..This is unacceptable.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP (TX)

Applying for a refinance and the title company sent me a letter about a judgement against me. This debt is not on my credit report, nor did this judgement come up when I purchased the house two years ago. I never received any written proof that this debt is mine, nor was I ever notified personally by mail or phone call.
Consumer complaint received 2020-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had a business checking account with citizens. Citizens bank did not properly instruct me on their policies nor did they openly communicate to me about changes on my account. There were also fraudulent transactions on my debit card that they did not resolve. This happened several times with no communication by phone or by US mail. They then froze my account and did not notify me of these changes. When I called the bank to understand why my bank account was frozen customer service stated that they did not have access to that information. This caused great distress to me and my company who provides services to the intellectually delayed individuals. Then I found out the next day on XX/XX/2020 that they closed the citizens bank branch that I open my business account with.
Consumer complaint received 2022-05-04
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX XXXX XXXX is attempting to collect a debt from me that is not owed. They have not submitted any validation or proof of me having a writing contract with XXXX XXXX XXXX, XXXX and myself.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I woke up one morning with a hard inquiry on my account from XXXX XXXX, I never banked with XXXX XXXX before so this was concering. I called they the credit bureaus and they put a lock on my credit and gave me a passcode.
Consumer complaint received 2022-06-13
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: JPMORGAN CHASE & CO. (MA)

I have 2 Hard Inquiries from XXXX XXXX and JPMCB applying for a credit card in my name on XX/XX/2022. This wasn't me. I called all 3 credit bureau ( XXXX, XXXX, and XXXX. ) I also notified XXXX XXXX to let them know and JPMCB that these applications were not me. I will also be filling a police report which has not happened yet.
Consumer complaint received 2022-07-21
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: JPMORGAN CHASE & CO. (IN)

15 USC 1681 Section 602 A. States I have a the right to privacy.

15 USC 1681 Section 604 A. Section 2 It also states that a consumer reporting agency can not furnish an account without my written Instructions.

15 USC 1692C States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collect may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692B States that they may not use any language of symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2018-10-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DC)

To date Navient states I'm responsible for a balance of {$900.00} plus but I'm still enrolled in school and the company states my school is not eligible for the " In School Deferment '' when I've been a student at the school since XX/XX/2014. I'm receiving harassing phone calls and emails, missed payments on my credit report when I haven't even graduated nor stopped going to school. I believe they are trying to scam me into paying something I am not yet required to pay since I'm still enrolled in school as my educational institution has reported my enrollment status to the clearinghouse. Navient is scamming people out of money and reporting bad information on credit reports for their own personal gains.