davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mr. Cooper Group Inc. (IN)

On XX/XX/XXXX I applied for a cash-out refinance with Mr. Cooper who held my mortgage. I worked with a licensed loan officer and explained my situation completely. I explained that I had purchased the property from my father 's estate in XX/XX/XXXX. I was told I was eligible for a cash-out refinance loan through FHA and began the process by authorizing a credit report to be obtained. I paid upfront ( {$570.00} ) for an appraisal and had the appraisal completed very shortly after. The appraisal came in much lower than was anticipated and noted some damages to the property that Mr. Cooper required to be repaired prior to proceeding with the loan application. I was given a deadline of 14 days to get the repairs completed in order to proceed with the loan. As I was working on the repairs ( approximately {$2000.00} worth of labor and materials ), I spoke with my loan officer about the low appraisal and my concern about how much that lowered my borrowing amount. The loan officer said that I wouldn't have to pay XXXX or XXXX 's mortgage payments because of the close date of the loan, so the lower value would be made up somewhat by being able to keep those payments. I proceeded with the loan, made the repairs, and proceeded through the process. I had the re-inspection of the property on XX/XX/XXXX. After waiting nearly a week from the property re-inspection, I reached out to my loan team to figure out why we hadn't received a clear to close yet. I was met with more documentation requirements and clarifications needed. After working for 2 more days to provide the required information, one last piece of information was required which was proving that the property was inherited. I had never once said or indicated that I inherited the property, but my loan officer had admitted he made the assumption that I had. Since the property was purchased and not inherited, I was actually not eligible for a cash-out refinance with FHA. This is information that should have been caught on XX/XX/XXXX when I spoke with the loan officer. As a result, I had made financial decisions and spent money on repairs that has placed me in financial peril. I also had a credit inquiry that hurts my credit. Mr. Cooper has credited back the {$570.00} for the appraisal since they admit they messed up, but is refusing to remove the credit inquiry or accept responsibility for the additional financial hardship their carelessness has caused. I reached out to the manager of the loan officer and was essentially told it is not their fault that I am in this position.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion, XXXX, & XXXX are reporting inaccurate information the account listed as XXXX XXXX XXXX has several inconsistencies which means the is account could not have been properly validated or verified. 

The information listed incorrectly is as follows : Last Verified : 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 Installment TransUnion and XXXX are reporting late payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion XXXX XXXX continue to report the account listed as XXXX XXXX XXXX XXXX is reporting inaccurately. The account is listed as a charge off but when a creditor terminates an account any balance due over {$1.00} is due to the consumer therefore I can not owe this debt. Furthermore there are tons of inconsistencies like : Last Verified : XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Creditor Type : Finance other than personal Credit Unions Account Type : Installment account Auto Loan XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( XXXX ) Credit the amount of the credit balance to the consumer 's account ; ( XXXX ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( XXXX ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion XXXX XXXX continue to report incorrect information on the account listed as XXXX XXXX XXXX there are several inconsistencies the biggest being the account listed as a charge off. 

The inconsistencies are as follows : Last Verified : XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Creditor Type : Home Furnishing Finance Companies - non specific Account Type : Installment account Secured Loan Furthermore any account charged off with a balance belongs to the consumer so how am I indebted? This account can not have been validated with all the information being different. 

1026.11 Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Consumer complaint received 2024-04-05
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)

TransUnion, XXXX, & XXXX are reporting incorrect information on my consumer report. The account listed as XXXX XXXX has several inconsistencies that leads me to believe the credit have not done their jobs and properly verified this account as they stated they did. The inconsistencies are as follows : High Balance : {$500.00} {$500.00} Last Verified : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Dispute Status : Account not disputed XXXX  Account not disputed Creditor Type : Finance, personal Personal Loan Companies Personal Loans Companies Term Length : 12 Month ( s ) 11 Month ( s ) 11 Month ( s ) Account Type : Installment account Secured Loan Installment XXXX is reporting it as a collection but TransUnion and XXXX are not. This is not correct.
Consumer complaint received 2024-04-05
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)

TransUnion and XXXX continue to use my consumer report inappropriately. The collection listed on my consumer report as XXXX XXXX XXXX has not been validated or verified as belonging to me. No evidence has been presented to me for me to examine. What documents were provided to them or who did they speak with ti come to this determination that this account belongs on my consumer report.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX, XXXX, & Equifax are reporting incorrect information on my consumer report. The account listed as XXXX XXXX has several inconsistencies that leads me to believe the credit have not done their jobs and properly verified this account as they stated they did. The inconsistencies are as follows : High Balance : {$500.00} {$500.00} Last Verified : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Dispute Status : Account not disputed -- Account not disputed Creditor Type : Finance, personal Personal Loan Companies Personal Loans Companies Term Length : 12 Month ( s ) 11 Month ( s ) 11 Month ( s ) Account Type : Installment account Secured Loan Installment XXXX is reporting it as a collection but XXXX and Equifax are not. This is not correct.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion XXXX XXXX are reporting incorrect information on the account listed as XXXX XXXX XXXX XXXX it has several inconsistencies which means the account has not been properly validated because it can not report 2 different ways. 

The account information that should be investigated is : High Balance : {$0.00} -- Last Verified : XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX XX/XX/XXXX Creditor Type : Finance other than personal Credit Unions Payment Status : Payment after charge o! / collection Paid, was a charge-o! 
Creditor Remarks : Account previously in -- dispute? now resolved? reported by subscriberm Payment Amount : {$0.00} Term Length : - - 1 Month ( s ) Account Type : Open account Deposit Credit Limit : {$0.00}
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (MN)

To Whom it May Concern, I am writing to request the careful review and reopening of my previous complaint ( XXXX ) regarding Discover Bank. Despite their response, I remain concerned that the core issues I raised were not adequately addressed. 

My primary concern pertains to the lack of a secure e-mail method for ID verification, a critical issue impacting both accessibility and security, particularly during the ongoing challenges posed by the XXXX pandemic. Moreover, I wish to bring to your attention the potential breach of XXXX XXXX, assuming that XXXX regulations should indeed apply to processes that determine the ease of conducting business online. 

In their response, Discover Bank predominantly focused on apologizing for long hold times and providing documentation regarding the account freeze. However, these actions divert attention away from the central issue of accessibility and security, thus failing to provide a meaningful resolution to my complaint. 

Therefore, I respectfully request that my case be reopened for thorough scrutiny, with specific attention to addressing the unresolved concerns regarding the lack of a secure e-mail method for ID verification. It is important to me that the assigned representative ensures that my original complaint is comprehensively addressed and that appropriate measures are taken, or have been taken, by the bank to rectify the identified issues. 

Your careful attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-10
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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 collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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 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 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 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

i wrote LEXISNEXIS RISK SOLUTIONS INC. on XX/XX/2021 about them reporting and sharing inaccurate and incomplete information on my credit report.I attached a copy below to delete the bankruptcy from my file.
Consumer complaint received 2015-05-01
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sullivan Asset Management, LLC (MO)

Over 5 years ago, I took out a payday loan that was paid off. I do not have records of this transacation anymore and this has popped up all of a sudden and now this company calls me, my family daily. Honestly I feel this is harassment and I ask them to send me something in writing that shows I didnt pay and they can not. They have no proof of this.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion and XXXX permitted several companies access to my consumer report without my permission. This is a violation of FCRA as neither the company nor the credit bureaus has permission to do this. As a federally protected individual I demand the credit bureaus provide proof that these inquiries were initiated by me with my wet ink signature. 

These inquiries should be investigated : 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 2021-01-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

On Friday XX/XX/2021 I disputed 3 items on my credit report.. 
On XX/XX/XXXX t Items disputed were resolved The credit bureaus listed below never submitted my request for verification of debt According to the fair act the credit bureaus must submit a dispute when requested particularly when issues of data have been changed
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year> in a XXXX store, a woman offered me if I wanted to be a customer of the store without telling me that my credit status would be reviewed without my authorization. When I left the store before reaching the exit of the complex, I received a notice that my score was lowered by XXXX points due to an inquiry, I turned and told the lady why she checked my credit and her response was that that is the policy. of the store. without even asking me if I wanted to give them authorization to check my credit
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (FL)

I called Wells Fargo to dispute a charge and when I told XXXX I was also recording the call, he said he had to switch me to a supervisor. I was connected to XXXX who told me she couldn't talk to me since I was recording the call and hung up.
Consumer complaint received 2020-07-03
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. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, Original Creditor, XXXX  XXXX  XXXX, XXXX, XXXX   XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

XX/XX/XXXX, The Apartment I was renting was hit by a tornado/major wind and hail storm, my insurance deemed the unit uninhabitable, paid for an alternative living arrangement and the costs of moving. 

Per Texas law, I had the right to move out due to the property not being viable any longer to live in. ( Texas Property Code 92.054 ) and the guidelines for property moving out of the premises with proper notification was followed. 

The property manager at the time when I noted the state laws, along with my intent to move out due to the uninhabitability of the unit and no means of fire egress, safety hazards due to glass imbedded in windows etc. stated " the owner is not allowing anyone to move due to the storm damage '' and in a way it was a " your out of luck ''. The apartment complex did not move forward or show effort to make life and safety repairs in a timely manner. 

Per Texas law I was entitled to a refund of my remainder in pre-paid rents plus a refund of deposits. My rent was approximately {$1200.00} per month and I moved out on XX/XX/XXXX. This would have entitled me to a refund of at approximately {$600.00} + Deposits. 

On move out, XXXX XXXX charged me a fee to break the lease, and also a carpet replacement fee. 

The carpet after speaking to a public insurance adjuster, was full of glass, and would have been replaced due to the storm damage and the inability of removing fine glass shards due to the amount of glass in the carpet. Carpet also was coming up at seams prior to the storm, and I had requested several times for the apartment complex to replace the trim because it was a trip hazard, wear due to improper installation. This alone would have pre-determined a carpet replacement by the landlord on my move out. 

I hand delivered and sent proper certified mail to the property landlord at XXXX XXXX XXXX  managed by XXXX XXXX. That was completed on XX/XX/XXXX. I also send additional letters responding to claims of debt owed, documentation about the damages. Which have been ignored. 

XXXX XXXX has handed the account over to RentDebt for collection activity. While this does not impact my living scenario due to current homeownership- this is impacting my credit - by an unlawful balancing of accounts in XXXX XXXX favor.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Today, an angry woman called me from XXXX, so to speak, with a voice. And I reported that some papers about my case XXXX. 

My XXXX and XXXX cards are in excellent condition. Well, I told them that which documents were verified, which were not, in a rude voice, she informed us that we did not need documents, I'm sorry what? You just said that you can send by email. She said XXXX then no. I asked if I could send a number of other documents. She said yes, you can, I asked her if they still need the documents. She said that we can't identify them. What kind of documents? 
The most important thing, I think, is payments from a savings account. I sent them an incorrect identification, only one document confirming the payment XX/XX/XXXX XX/XX/XXXX ACH Withdrawal CAPITAL ONE MOBILE XXXX XXXX it was in one statement. but I still have to provide a payment statement for the 2 payments that I will receive. And I will provide them, but you can also assume that these payments are capable. They would have returned as well as 1 payment. I know I don't understand them. Why should I always submit documents this way and wait 7-10. This has already happened to me 7 times or more. Just a text message is whether you are making a purchase or not. I even always overpay them. I do not know what my chance is to use the cards again, but I think 100 %.