davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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. (MO)

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am now requesting more information from the credit bureaus about these specific accounts in question because I am not comfortable that enough was done to actually contact the creditors who are reporting these details on my report. These accounts must be verified by the three credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. The following accounts need to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXXXX XXXX Balance Owed : {$1800.00}. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I am requesting the Credit Bureaus to notify me when the items have been updated or removed. Once this has been accomplished, I need the Credit Bureaus to forward me an updated copy of my credit report to the address provided.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - US SM BUS ADMIN XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - US DEPT ED Account # XXXX - XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (PA)

On XX/XX/2022 I received a letter from Provident Funding Associates , LP indicating that they have not received my mortgage payment that was due on XX/XX/2022 and I have a late charge of {$34.00}. I have a cancelled check indicating that I paid XXXX 's payment early on XX/XX/2022. I will write to them within 30 days to let them know. 
The problem is, that they did this to me on XX/XX/2022, when they claimed that I did not make a payment. I sent a letter with proof that I already paid, but they said that I didn't and so I paid the late charge in order to keep my excellent credit rating. 
For over ten years, I have paid my mortgage a month ahead and there was never a problem before this year.
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (TX)

On or about XXXX XX/XX/2022, I find an offer from Citi regarding savings account - i.e. earn $ XXXX {$300.00} for a new savings account. I followed and tried to open that account but Citi didn't opened my account and it seems rejected it. 

If I am not eligible why Citi is showing that promotion in my profile? It's a shear waste of time and efforts.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I got a delinquent loan on my credit report stating that I had a {$390.00} balance for XXXX. Im confused because I have not used XXXX at all. My XXXX has recently been giving me notifications saying that my data has been compromised. Im worried that I may be at risk for identity theft. I did not open this XXXX account and I did not use it to purchase anything.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I spent 2 months trying to make a payment and even set up payment from my account. Their system would not let me make a payment. I called multiple times to get it corrected. I was disconnected and hung up on multiple times. 
I was even told I could not make or set up a payment without making a payment. I finally got hold of a person who knew how to fix the problem. Now they refuse to correct the reports of me being late even though it was their systems fault for the issues. They have told me that if it was found that it was their fault, they would correct the report, which they still have not done.
Consumer complaint received 2023-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (CA)

Company will NOT provide a debt validation to me, and refuse to provide information proving I owe the debt even though I do not recognize it. 

Dates of communication : - Initial Debt Verification letter/request sent in XX/XX/XXXX, same day of my first call. They informed me to send this to their dispute email inbox. ( dispute@lmminc.com ) - Second call to follow up was XX/XX/XXXX, to follow up on the verification, where they mentioned they may have not received it because their debt dispute inbox was " non-functional '' and had broken shortly after I sent it. They no longer use this shared inbox. They input this request manually over the phone, to request the itemized bill from the original organization and apologized for the inconvenience. 

- Next call was the day after, XX/XX/XXXX, and I confirmed the itemized bill was requested manually and it had been sent out. 

- XX/XX/XXXX, spoke on the phone, they have no update to provide me. Requested to be put through to a manager, who was verbally aggressive and insisted I owed the debt over and over again, but wouldn't answer the question as to why they can't validate the debt. They insisted the " information would be sent eventually. '' - Final call prior to me writing this complaint was today, XX/XX/XXXX, still no itemized bill sent to them by the original organization, which they confirmed to me over the phone. They refuse to tell me what the next steps are, even though we're going on three months without a validation provided that I owed the debt. XXXX and XXXX have removed this for me, though XXXX is apparently " verifying I owe the debt '' somehow, even though the CA can not provide this information.
Consumer complaint received 2022-07-15
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. (TN)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX  XXXX XX/XX/2020 XXXX XX/XX/2020 EQUIFAX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} COV XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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. (TN)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX : XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-23
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. (MI)

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 Bankruptcy -Reference XXXX XXXX Account XXXX : XXXXXXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX XXXX  XXXX  Account number : XXXX XXXX XXXX Collection Account number : XXXX XXXX XXXX Collection Account number : XXXX XXXX XXXX  Collection Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : 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 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

I requested a payoff statement from my mortgage company in order to pay off my mortgage in XXXX, XXXX. I received the payoff dated XX/XX/XXXX. I did not have the funds as quickly as I thought that they would be available. However, I did make a payment which posted on XXXX XXXX in the amount of {$560000.00}. 
That was the amount of the payoff. The payoff amount included a per diem cost of {$40.00} per day beyond XXXX XXXX. I requested another payoff from SLS and received a balance of $ {$9400.00} which I thought was excessive. I calculated my per diem amount by the number of days beyond my original payoff date and arrived at a figure of {$3500.00}. I contacted SLS but they were adamant on the balance that they provided. I also had another property, same issue, same dates. When I requested a second payoff from SLS, I received a balance of {$310000.00}. which was calculated until XX/XX/XXXX. I made the payment for the {$310000.00} and requested a second payoff which SLS provided in the amount of {$14000.00}. My per diem for delays was {$24.00} per day which I calculated to be {$2100.00}. I need assistance in this matter due to my inability to resolve with SLS.
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (RI)

I requested to join XXXX XXXX XXXX on their website on XX/XX/XXXX, and they sent me XXXX cards for my devices. I did not receive the XXXX cards and requested via online chat for XXXX XXXX to cancel my order and close the account on XX/XX/XXXX. I received email confirmation that my request to cancel was initiated. I decided to try in-store to create my account with XXXX XXXX instead XXXX I went to the store on XX/XX/XXXX and was told that there was still an active account preventing me from opening a new account and was told to try over the phone with XXXX XXXX customer service. On the phone with customer service, I was told until the first account is completely purged from their system, I could not open a new account. My case was forwarded to a supervisor, I was told. I called back a few days later as instructed and was able to open my new account with XXXX XXXX ( which I currently maintain and pay the bill monthly on time ). I was told that whatever account was active before is no longer open and was resolved. In XX/XX/XXXX I received a letter of collection from XXXX, XXXX XXXX ' collection agency. I called XXXX on XX/XX/XXXX and explained the situation. I was told that the issue would be forwarded for review and instructed to call back. XXXX 's hours are during my work hours, and it is not easy for me to call each day. XXXX never made any attempt to contact me of their findings or any further action of debt collection. On XX/XX/XXXX I received a notification of change to my credit report for a negative report made on behalf of XXXX XXXX. I contacted XXXX on XX/XX/XXXX where I was told that their review determined that the debt was valid?! And that because I did not follow up with them after the initial call, they forwarded my debt to IC Systems?! This business practice is very unprofessional. I do not owe anything as I cancelled the XXXX XXXX account within 6 days of requesting it, without any services rendered. I have recently contacted IC Systems and filed a dispute with them on their website, however, they have not allowed for me to upload my proof of documentation. This is a farce, and XXXX XXXX is ruining my credit for an error on their end.
Consumer complaint received 2022-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (LA)

I have been in school and filled my in-school deferment forms each semester. Every time, AESXXXX bank rejects my forms many times until they decide to accept them. 

I have paid $ XXXX of my loans as a student, using student loans. 

This time, the semester is almost over. They are still calling my account XXXX  XXXX days past due. They are reporting to credit reporting agencies, as well as my cosigners agencies. They are threatening me with full repayment and losing my options. They are harassing me and my cosigner ( my grandmother, in a XXXX XXXX  ). 

I have called every week, spoken to customer service representatives weekly,
Consumer complaint received 2022-06-06
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: DISCOVER BANK (MI)

I have settled this Debt with Discover there is no collection activity on this Account. 
Courts have ruled it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge-off. See, e.g., In re Crosby, 261 BR 470, 474 ( Bankr. Ct. D. Kan. 2001 ) ( " The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the Discover to enforce its claims against me. 

Discover Bank v. Shimer, 36 Misc. 3d 1214 ( A ), 1, 957 N.Y.S.2d 263, 263 ( N.Y. Dist. Ct. 2012 ) ( holding that it is inequitable to allow Discover to belatedly enforce the alleged debt after it received the tax benefit of the charge-off )
Consumer complaint received 2022-06-25
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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (AR)

Chex Systems failed to provide the requested evidence of the validity of the items in my consumer report and failed to delete them, which violated my federally protected right 15 USC 1681g ( c ) ( 2 ( E ). This violation per 15 U.S.C 1692k permits me to collect damages of {$1000.00} for this occurrence.
Consumer complaint received 2022-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc. (MI)

Complaint and QWR. 

Caliber never responded to my simple question WHO authorized and released the servicing rights from XXXX XXXX  XXXX XXXX and transferred to Caliber. 

Who authorized and released on XX/XX/2019, the servicing rights for the Loan from Caliber and transferred to XXXX XXXX XXXX XXXX XXXX XXXX 

I want to clarify I am not making any inquiries about origination, underwriting, subsequent sale or securitization, or any determination to sell, assign, or transfer the servicing of the Loan ; or an assignment of a mortgage. 

I am asking to disclose the NAME of the company and the name of its individual officer, with his/her direct contact information who authorized the release of servicing rights from XXXXXXXX XXXX XXXX XXXXXXXX to Caliber Home Loan , Inc. and who appointed Caliber as a Servicer. 

I am asking to disclose the NAME of the company and the name of its individual officer, with his/her direct mailing address and direct phone contact information who released on XX/XX/2019, the servicing rights for the Loan from Caliber and transferred to XXXX XXXX XXXX XXXX XXXX XXXX 

The problem with Calibers statements is that they are the equivalent of saying that if my alleged Creditor hire an employee, someone else can take that employee 's place without my alleged Creditor knowledge or consent. 

It simply does not work that way. Agents do not appoint themselves or create powers for themselves. That is ALL ( no exceptions ) done by the principal for whom they are acting. 

Any company that is claimed to be a " servicer '' or who has allegedly participated in a transaction regarding the servicing of a collateral account ( unpaid loan account on the ledger of a creditor ) MUST be acting on the express authorization of that creditor. 

I am asking Caliber to identify the NAME of the CREDITOR and direct contact information for the individual officer of my CREDITOR who authorized the release of servicing rights from XXXXXXXX XXXX XXXX XXXXXXXX to Caliber Home Loan , Inc. and who appointed Caliber as a Servicer. 

I am asking Caliber to identify the NAME of the CREDITOR and direct contact information for the individual officer of my CREDITOR who authorized the release of servicing rights from Caliber to XXXX. 

So when a XXXX  company who filed these letters with CFPB says that a company Caliber- is a " servicer '' that does not make the company a servicer, agent or authorized to act on behalf of anyone. It is an assertion or allegation which is only implied. 

I am asking for the FACTS - identify the NAME and direct contact information of the Company and its individual employee who authorized and released servicing rights from XXXX to Caliber and from Caliber to XXXX.
Consumer complaint received 2022-06-25
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX, XXXX Bank has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-07
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. (AZ)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me XXXX days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXXXXXX XXXX XXXXXXXX : {$28000.00}
Consumer complaint received 2022-07-15
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)

I am sending a complaint to notify you about my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following information on the credit report is incorrect. I respectfully request that Credit Bureaus must take a step to update the wrong accounts from my report. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). 
XXXX XXXX XXXX XXXX : {$10000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$110.00}