davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (TX)

Items below were originally disputed on XX/XX/XXXX and the items were successfully removed from XXXX Credit Report in XXXX of XXXX. The " debt '' below is from two separate medical visits. The medical facility in which this agency purchased their debt from has a history of bad management and accounting practices. I have provided copies of payments to the medical facility in question and histories from my insurance companies showing the XX/XX/XXXX claim was not submitted to the insurance companies ( XXXX XXXX XXXX ) for processing. After my XX/XX/XXXX visit, the XXXX, TX medical facility closed their doors permanently and their parent company filed for Bankruptcy. I was never contacted about the debt below, it just showed up on a credit report in XXXX of XXXX. 

Disputed items : {$13000.00} ( XXXX ) Paid {$79.00} on XX/XX/XXXX ( what was owed after insurance processed ) - see proof of payment {$17000.00} ( XX/XX/XXXX ) Medical facility never sent to insurance for processing nor did I ever receive XXXX bill from company as they closed their doors in XXXX of XXXX. 

Now the debt has been purchased by NRA. I disputed the {$17000.00} with NRA directly after receiving a debt collection letter and provided evidence that I was insured during the XX/XX/XXXX visit. This is now on my XXXX  and XXXX as collections. I have not been contact by NRA regarding the {$13000.00} but it has been reported to XXXX. Again, I have provided proof to the previous collection agency that insurance was processed for the XX/XX/XXXX visit and it was paid. I had two health insurance providers, I should not owe over {$30000.00}. 

I am willing to pay what I would have owed if my insurance had been processed for the XX/XX/XXXX visit and have provided proof of insurance to NRA. 

I have disputed both again with experian ( dispute denied ) and XXXX.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-10-19
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: CCS Financial Services, Inc. (MS)

XXXX, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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.

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 XXXX 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 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

Last night XX/XX/28 I did a withdrawel for {$1000.00} at the Wells Fargo bank at XXXX XXXX XXXX XXXXXXXX va. I also received {$420.00} and lost XXXX. I have contacted both banks many times and they are not willing to solve the issue. My account shows I took out XXXX.
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (OH)

I went to buy used vehicle from dealer called XXXX XXXX XXXX  situated at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX on XXXX XX/XX/XXXX and decided to buy XXXX XXXX xlt. I applied for auto loan through them and also asked if their company do business with wells Fargo auto because i have had banking with wells Fargo from a long time. I was approved and the finance representative of XXXX XXXX  came up with interest rates of 8.49 % through XXXX XXXX XXXX XXXX and 8.69 % through wells Fargo. I was denied when i asked the rate quote paper showing the rate of interest of both banks. Because of less rate i went with XXXX XXXX XXXX XXXX and signed the loan contract and the vehicle was delivered to me with proper tags and registration. Almost a week later on XXXX of XXXX i got call from dealer to come or stop by to sign some papers those were missed by mistake. I went there to sign but upon reaching i found their was whole new story. They were trying to switch me from XXXX XXXX XXXX to Wells Fargo auto loan because kemba denied few days later for some reason. When i said i do not want to pay higher interest rates then the representative assured me that i will get the same rates as XXXX was giving which was 8.49 % but from different lender. My first original concern was about the dealer who was probably lying to me about the truthful rates of interest and intentionally wanted me to go with their favorite lender because i am wondering how come the wells fargo later agreed to give me lower interest rates but not at first place when i applied the application. Then on XXXX XXXX i went to dealer again and signed the loan contract with wells fargo but surprisingly even at more lower rate which is 7.69 %. 

Secondly the most important concern now is as below : I tried to contact with Wells fargo to get some clarification about my concern and asked them clearly that what was the original rate of interest that wells fargo offered me on XXXX of XXXX. Why the rate of interest are not disclosed to consumer who is paying back. Wells Fargo filed a case under XXXX Complaints Management office. Case number XXXX. But Executive office case specialist named XXXX XXXX tried to ignore the whole concern and did not resolve the case. Suddenly on XXXX of XXXX closed the case without resolving it.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX {$6800.00}
Consumer complaint received 2020-09-09
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-03-14
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: Resurgent Capital Services L.P. (FL)

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, and LVNV FUNDING/XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.
Consumer complaint received 2021-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

I have been contacting Coinbase since XX/XX/2020 to lift holds that have been put on my account. 

I am not given any information as to why my account is restricted, just with the following message - " Account Restricted You are currently unable to buy and sell crypto on Coinbase. Please visit https : //support.coinbase.com for assistance. '' When I visit the webpage and submit, they don't respond at all. I have more than {$10000.00} worth of money there and I can't sell/withdraw that money to my bank account. 

This is a repeated pattern and you can see them intentionally ignoring all the customer complaints at XXXX XXXX XXXX
Consumer complaint received 2022-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/2022, I received a payment from XXXX XXXX via Venmo account for the amount of {$1800.00}. The transaction was successful and I was able to transfer the funds to her son for a payment of rent. A month later, I receive the email from a Venmo account about a chargeback claim being filed by the sender 's card issuer. I called my bank to ensure there was no case opened on my end. Next, I reached out to XXXX XXXX, and her son XXXX XXXX to resolve the matter and clarify the chargeback claim made against me. They claimed the chargeback case was illegitimate and/or reversed when I contacted XXXX XXXX for clarification. I quickly reached out to Venmo after the dispute came back not in my favor and Venmo provided no further detail about the case while simultaneously freezing my account and demanding a payment of {$1800.00}. I reached out to my lawyer who concluded that Venmo is operating under faulty business practices by providing false investigation results. Venmo also sent an email saying the " Case has not been worked '' without any explanation. I tried contacting Venmo and Customer Support escalated my case but it's been a week without action or speaking with an Account Specialist to resolve my case. I demand my account be unfrozen and the amount of {$1800.00} refunded as I have violated no policy or terms of agreement. Also, since I was not the sender, I am unable to use the Purchase Protection Feature. Lastly, there were no goods or services being exchanged during this transaction.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

All my transaction I made through Bank of America online bank and XXXX are fraud. My fiance got fair by rake Vet clinic and animal transportation from XXXX And I figured out its a scammer and all the transactions I made through Bank of America and XXXX went to the scammers account
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2020-09-08
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. (OH)

Hello, Please reference CFPB # XXXX. It has been over 30 days for this investigation and there is still no supporting documents for this BK. Per the Fair Act this public record needs to removed or Experian, XXXX and XXXX are in the violation. 

I have all of the documents and certified mail I sent over to Experian, XXXX and XXXX. I'm sending a copy of all the mail to XXXX XXXX XXXX, which I will higher to address this concerns as he is the attorney that sued for millions of dollars. I'm sure he this case for sure. 


Public Record : US BKPT CT OH XXXX
Consumer complaint received 2020-09-08
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: CBC Companies, Inc. (MI)

On XX/XX/XXXX I received a letter from XXXX/personal loans dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX personal loan on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.Why am i recieving this fraud inquiry a year latter from XXXX?
Consumer complaint received 2022-12-30
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. (CT)

Hello I have contacted the XXXX XXXX XXXX and also credit inquires for over a year and was told by the supervisor and that the account will be removed and I was not in their system after verifying my social, and that they would contact the credit bureaus to remove this as soon as possible. Please remove this off my credit report as soon as possible and update. I have police reports and ftc
Consumer complaint received 2022-07-18
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. (OH)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-07-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The companyXXXX XXXX XXXX failed to notify us that their automated system failed to work because they sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX. As a consequence, we were not even informed that their automated payment system failed. 

This complaint differs from XXXX - which is based upon their automated payment system not working. This complaint is that XXXX changed the mailing address we gave them ( above ) to some address in XXXX. After some investigation, it appears that someone who shares my name put in a change of address form with the USPS and that XXXX has some kind of automated system for culling such change of address information. As a consequence, XXXX stopped sending us monthly notices. Therefore, we had no way of knowing that their system failed ( until we reviewed our bank statement at the beginning of the following month ). 

Their assertion that they 'correctly reported a late payment ' is FALSE.
Consumer complaint received 2019-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I applied for and thought I was granted a loan modification with SPS. However I was told it was conditional not necessarily based on my making trial payments ... I completely understand that. I needed my ex-husband to sign assumption paperwork notifying the lender that I was the new owner of the home. 
Here is the background : my husband and I divorced and he quit claimed the home we both lived in to me. His name was on the mortgage statement. The divorce decree and the quit claim were both sent to the lender several times during the modification period. Eventually I was told the modification was approved but my ex -husband needed to sign the assumption document. He moved out of the country. He did sign the document. I signed it as well and it was then sent to the bank. It was difficult to get his signature as I have no forwarding address for him -- only his email. Our divorce was and our relationship still is very contentious. The bank is now telling me that I need to send in an original signature page. This would require time and effort and in the end I may not be able to get him to send me the document with his " wet '' signature. In the meantime, SPS is threatening to send my mortgage to an attorney and is telling me my home may be foreclosed on. I have had XXXX and a divorce and this has been horribly XXXX -- not making my health situation any better. SPS has been very difficult at every turn. They have a document signed by everyone that needs to sign and now they tell me they need it again.
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (GA)

On XXXX XXXX I received a loan for a home I was Buying. Upon applying for the loan I told the processor that I was going to immediately pay the mortgage down buy putting a large sum of money and was told that that was no problem, that they would recast my loan and that would lower my payment. The Monthly payment is {$1500.00} whish is a sizable amount for me. Less than 30 days later I payed {$90000.00} to bring my loan to XXXX Approximately. 
I notice my loan had not been recast so I called them and was told that there was a {$250.00} recast fee that was never disclosed to me. So after fighting with them I paid the {$250.00} recast fee to get the payment down. Upon checking online again I see that the {$250.00} was put towards my Monthly payment so I call them again. I am told that it takes 2 Months to process the recast to get my payment reassessed. Again not disclosed at the time of the of the payment of the {$250.00} fee. I am not refinancing just wanting my monthly payment to reflect the balance {$34000.00} over 10 years and feel that 2 months of the high monthly payments is long time frame to recalculate the numbers. The fee and lengthy wait was never disclosed to me. I feel this is an unscrupulous practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX