davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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: LEXISNEXIS (IN)

On XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureas and I got a letter stating " They do not report any bankruptcies to anybody. ''So if that is the case, how did the credit bureas edify my bankruptcy as XXXX XXXX accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) States THE term " investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's charcter, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under USC 1681. According to USC 1681 section 602 A States I have the right to privacy. On or about XX/XX/2022 regarding report number XXXX the correspondance state that XXXX conducted a reinvestigation but failed to provide me the result of this alledged investigation when XXXX XXXX staes in thers correspondance that they are able to verify the information on the bankruptcy in attemted to get consent when I have the right to privacy under USC 1681 section 102a states I have the right to privacy in both XXXX and XXXX XXXX both continue to violat 15 USC 1681 section ( 3 ) ( e ) I am requesting that the cfpb hold them accountable for the violations that are continuing as of this date XXXX.
Consumer complaint received 2023-01-30
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. (LA)

I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA XXXX authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization . COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following 1am requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. If any please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
Consumer complaint received 2022-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I have a private institutional loan from the XXXX XXXX XXXX  XXXX XXXX, which is serviced by XXXXXXXX XXXX 

I am reporting XXXX XXXXXXXX for seeming attempts to block the ability of persons to actually have their student loan deferment forms processed. 

My loan is one which was taken out from XXXX while in XXXX XXXXXXXX. For the XXXX period, I had a no interest deferment for that loan, which XXXX XXXX processed without difficulty. 

When submitting my XXXX  deferment, I have been rejected twice, and then on the third try I was told I mailed it to the incorrect address, that the address had changed. 

In detail : - The first time, I mailed it successfully to XXXX XXXX XXXX XXXX XXXX address. They recieved it, and denied it for a minor clerical error. 
- The second time, I mailed it successfully to XXXX XXXX XXXX XXXX XXXX address. They recieved it, and denied it because the form was the incorrect form ( This was the same form I have been using for the last XXXX years ). 
- The third time, I mailed it, and the mail was marked undeliverable to the XXXXXXXX XXXX address. When I called XXXX XXXX to ask why it didn't get delivered, they told me their address had changed to an address in XXXX XXXXXXXX XXXX They also told me that the new address is listed on their website and forms, which it is not. 

XXXX XXXX does not offer any way to submit forms aside from mail. 

I have attached the inaccurate deferment form below I am reporting this company for : - Inaccurate mailing address for essential loan forms- Seeming attempts to deter deferment submissions via frivilous rejections
Consumer complaint received 2022-09-28
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. (FL)

I sent my letter on XX/XX/2022. I asked Transunion to " Investigate every piece of information is correct and accurate '' on the accounts list below. Also, I have attached the letter I sent, and here is my tracking number # : XXXX According to the FRCA the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a PROPER investigation according to the law? Also every piece of information on these accounts are still not reporting 100 % accurate. Per the FRCA 15 USC 1681 EVERYTHING HAS TO BE 100 % ACCURATE. I have the credit report showing the inaccuracies. The last verified date is inaccurate, the date of last activity is inaccurate, Date opened is inaccurate, closed date is inaccurate, last payment is inaccurate, account type is inaccurate, and two payment is inaccurate. This is ground of removal per FRCA 15 USC 1681. 

Accounts : XXXX XXXX : XXXX Furthermore, in the accordance with the FAIR Credit Reporting act XXXX Account # 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 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-28
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. (IL)

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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (FL)

My home was severely damaged by Hurricane Milton on XX/XX/year>. My Flood insurance provider ( XXXX ) send a settlement check in the amount of ~ {$62000.00} to cover damages. Our mortgage company ( USBank ) needed to endorse this check so we could receive the funds. 

We took the check to our local branch in XXXX, MN on ( or about ) XX/XX/XXXX. They put us in touch with US Bank Loss Draft dept ( XXXX ) who explained what they needed and assured us a check for the first 1/2 of our settlement would be in the mail within " 3-5 days '' As we intended to be at our Minnesota home for the XXXX XXXX, we gave them our MN addressed and asked that it be sent there. They said this would be no problem. 

After a couple days, we checked our account on the website they gave us. Since we saw no activity, we called to verify the address they would be sending the check to. 

Our address is XXXX XXXX XXXX XXXX They had it in their system as " XXXX XXXX '' ( incorrect address ). We asked that they correct this. They assured that they would. 

Over the next 10 days, we were in contact with them at least 4 times. Each time we asked them to verify the address... each time they had failed to correct it. 

On Friday XX/XX/year> We called them again only to find out they still had our address wrong. However, this time they assured me they had it fixed and not to worry as the check was still in process and was set to be sent out " Today ''. 

On Monday XX/XX/year> I called them again and was told the check had gone out the previous Wednesday ( XX/XX/year> ) and the address they sent it to was still the wrong one. This check is now lost somewhere in the US Mail. 

When i expressed my anger and frustration about having to now borrow money to pay my XXXX bills, their response was a scripted " We apologize for that '' and a scripted narrative about how they need to put a stop payment on the check which would take up to 10 days. When I pressed them further for specifics on when i might receive my check, they were vague and again offered scripted answered about their policy for handling this egregious error that they caused. 

The frustration we are experiencing from this level of incompetence and lack of regard for our situation is unnerving. I would think somewhere in that organization there would be an adult in the room who might consider that our family suffered significant damage from a hurricane/flood and they just made their ordeal worse by failing to enter an address correctly after 4-5 attempts? Is it too much to ask that they might escalate this to someone who has the authority to say " Yes, it's our XXXX XXXX... let 's can get them a check as soon as possible ''? 

As of today ( XX/XX/year>XXXX  ) we have still not received our funds.
Consumer complaint received 2022-09-28
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. (IL)

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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2022-09-28
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. (NJ)

I sent Experian my id utility bill and police report they are requesting more pages of my police report and the page I sent them is all I have and all I was sent by the agency since my information was lost miles away i made the report with the agency that was far away and this is all they gave me and is valid to there standards my other documents I could upload via the portal so I sent through here and should have been forwarded to them Experian sent me a email saying they cant block because they did not get all information and this is false
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Subject : Discrepancy in Credit Reporting by XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate information being reported by XXXX XXXXXXXX to the credit bureaus, which is negatively impacting my credit profile. 

The issue at hand concerns a XXXX XXXX account that was paid in full and closed in XX/XX/XXXX. However, I have noticed that on my credit report, the account is being reported as having been " 30 days past due '' for both XXXX and XX/XX/XXXX. This is incorrect, as the account was current and all terms were being met until the account was closed. 

To clarify : - The account in question was current and paid on time through all billing periods up until it was closed in XX/XX/XXXX. 
- There is no record of the account being past due in XXXX or XX/XX/XXXX, yet these months are being reported as " 30 days past due. '' - This inaccurate reporting of " 30 days past due '' in back-to-back months is misleading and does not reflect the actual status of my account. 

The erroneous reporting of late payments is causing significant harm to my credit profile. The account was in good standing, and there is no justification for the reported delinquency during those months. The repeated reporting of these inaccuracies is damaging to my credit score and has a detrimental effect on my financial standing. 

I am requesting that XXXX XXXX be instructed to correct this misinformation and permanently remove any reference to " 30 days past due '' for XXXX and XX/XX/XXXX from my credit report. I would also like confirmation that this incorrect data has been completely and permanently deleted from my file, as it is causing undue harm to my creditworthiness. 

Please investigate this matter and take appropriate action to rectify this issue as soon as possible. I would appreciate a timely response and would be happy to provide any further information if necessary. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (NC)

On or around XXXXto now I was I lot of pre-approval on credit karma but they keep sending all kind of pre-approvals telling that I was was pre approved for credit cards, personal loans and refinance my car, every day I would see these offers ever time I login to check my credit score and still do, so after a few months of being told I was pre approved I thought I was in the prefect place to apply, I had got so mean offers through credit karma and I told my family about it that we was going to use the pre approval for vacation, so I applied most of my injuries came from credit telling me I can get a loan for cars and and refinance my car I have now and I never got approved from any of the Excellent approved offers from credit karma and my credit down a lot I was being lied to for months by credit karma being missed led and causing me to stress for weeks over this and XXXX XXXX  so bad I became antisocial my XXXX went from XXXX to XXXX. Now every time I see pre approval I immediately closed my phone and shut my computer off this has made me so uncomfortable and XXXX that I havent checked credit as frequently as I should.
Consumer complaint received 2023-03-30
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions. Under 15 U.S.C 1666B a creditor can not treat a payment on a credit card account under an open Or consumer credit plan as late for any purpose
Consumer complaint received 2022-09-28
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. (NM)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$390.00} Highest Balance {$390.00} Opened XXXX. XXXX, XXXX ( 3 yrs, 6 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX BANK XXXX XXXX A Opened XXXX. XXXX, XXXX ( 6 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX IN CO Opened XXXX. XXXX, XXXX ( 5 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX BANK Opened XXXX. XXXX, XXXX ( 3 yrs, 3 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Monthly payment {$30.00} Opened XXXX XXXX, XXXX ( 10 mos ) Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Account closed by credit grantor Times 30/60/90 days late 2/1/0 Closed XXXX XXXX, 2022 Monthly payment {$220.00} Opened XXXX. XXXX, XXXX ( 6 mos ) Term No Info Account status Open Type Line of Credit Responsibility Individual Account. 
Remarks No Info Times 30/60/90 days late 1/1/0
Consumer complaint received 2022-09-13
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: NAVY FEDERAL CREDIT UNION (TX)

In accordance with the Fair Credit Reporting act Navy Federal Credit Union Acct # 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 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 2023-03-04
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. (IN)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$34000.00} XX/XX/2015