davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, 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 2021-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (VT)

On XX/XX/2020, I received care at XXXX XXXX for a second XXXX XXXX. Prior to my appointment, I met with the billing department and paid the patient responsibility for the procedure of {$160.00}. The billing representative informed me that this was the total cost for the services that would be provided during the mammogram. On XX/XX/2020, I received a bill from XXXX XXXX XXXX for {$52.00}. I called XXXX XXXX in regards to the bill and they told me to call XXXX XXXX as they were not aware of any additional charges. XXXX XXXX XXXX informed me that the charges were for the radiologist. After I explained to them that I was told that my total out of pocket expense was {$160.00} which was paid the day of the procedure, the billing rep told me to get a copy of my EOB for the charges. In XX/XX/2020, we had to move due to my husband losing his job. I never received the EOB or any additional correspondence from XXXX XXXX XXXX. On XX/XX/2020, I was notified by XXXX credit journey that a major derogatory has been posted to my credit report by CMRE a collection company for XXXX XXXX XXXX. I informed XXXX XXXX XXXX that I never received any correspondence ( not a letter, a phone call ) from CMRE. The representative opened up a resolution case and informed me to call back in 15 days. We were scheduled to close on our home on XX/XX/XXXX however, due to the significant change in my credit score from XXXX to XXXX, we no longer qualified for the original terms and conditions. I write this as a plea to remove this major derogatory action on my credit report. I have never paid a bill late or had anything sent to collections. I have tried to call CMRE 5 times and the number just rings, no one has answered. I am at your mercy and beg you to please help me with this situation. Thank you. 
XXXX XXXX
Consumer complaint received 2021-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

XXXX XXXX ERC is claiming I still owe them debt even after I had returned my phones. They told me over 5 years ago that If I returned my phones and paid my bill for that month I would no longer owe. Turns out they claimed they never received the phones back and I still owed them XXXX dollars. Also they kept harassing me after I told them to stop calling me. I should not be responsible for this debt because not only has the statue of limitations passed but they tried to reopen the debt without my knowledge. It should not be showing up in my collections either.
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I had a previous Bank of American checking and savings account that was closed and had a negative balance. The balance and debt I owed to Bank of America, was discharged under Chapter XXXX Bankruptcy on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. Bank of America is discriminating against me by denying me credit and an opportunity to open up a Bank of America Checking Account and Savings account due to the previous accounts I had with Bank of America, which the debt I owed to Bank of America was discharged in bankruptcy court under Chapter XXXX. Bank of America is discriminating against me because of my race as well, me being XXXX XXXX ( XXXX ). I deserve a second chance checking account with Bank of America. Bank of America is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ). Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2021-01-17
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. (FL)

I have disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX  account XXXX 4. XXXX XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2021-01-17
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. (CA)

Dear Credit Reporting Agency, It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation. 

If you need any more information to include this in my report please feel free to contact me XXXX XXXX Phone : XXXX Email : XXXX XXXX ID XXXX Transunion File ID : XXXX
Consumer complaint received 2023-05-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

I obtained a title loan for XXXX in XX/XX/2021 from XXXX XXXX store XXXX XXXX. I have been paying from XXXX to XXXX per month for XXXX years. I still owe them XXXX with no relief for me. I'm a retired military veteran and XXXX veteran from combat service. I was taken advantage of by all the fast talking and tricks by their sales persons. Unfair under XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Retired XXXX
Consumer complaint received 2021-01-17
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: Advanced Resolution Services Inc. (TN)

On XX/XX/XXXX, I sent a letter to Advance Resolution Services challenging the validity of these alleged bankruptcies they have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with Advanced Resolution Service. I have gone to the courthouse, and they have also stated they did NOT verify this information. I requested from ARS to please send me whatever documents of information they have personally used to verify these alleged bankruptcies, immediately. If they can not produce such documents these bankruptcies needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to get a response from them.
Consumer complaint received 2021-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I, XXXX XXXX entered a consumer credit card transaction with XXXX XXXX on XX/XX/2016 Pursuant 15 USC 6802b XXXX XXXX never disclosed to me that I had the option to opt out of this transition being reported. My social security number is an open ended credit plan. 
Pursuant 15 USC 1692g I'm the original creditor, natural person, private individual of this account. 
15 USC 1602d the term " organization '' means corporation, government, governmental subdivision or agency, trust, estate, partnership, cooperative, or association, XXXX XXXX is a corporation. 
XXXX XXXX also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This credit arose from a credit card which is supposed to be excluded from a consumer report. 
My account was sold to a third party without my consent or my permission. As a natural person/ private individual, how can a corporation/ legal person sell or report my private information to a third party without my permission or my consent? Without consent it is Identity theft. 
XXXX XXXX have violated my rights as a Federally Protected Consumer several Federal laws under 15 USC 1692 & 15 USC 1681 have been violated.
Consumer complaint received 2021-01-17
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. (PA)

I have continuously tried to resolve this issue and have not gotten anywhere the stall tactics that have been used are a mere result of TransUnion not willing to give me a fair investigation that I have the rights to as a consumer. This is my second attempt through you the CFPB to gain a fair honest investigation and has been met with a closed investigation and told " they do not believe this is me or that I am being represented by a company '' I need to mail proof this is me. EVEN THOUGH I SEND A COPY OF MY ID every time. I'm simply a consumer who knows her rights and this inaccurate and seem to me not properly verifiable accounts need to be removed
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

My credit score is being incorrectly affected at all three of the credit rating agencies by an issue that happened with XXXX that was a mistake on XXXX  part. I have contact all three of the agencies about this and have not received a response. I have submitted a dispute online for each of the three credit agencies with not response. This is adversely affecting my ability to get a loan. Please advise
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit score is being incorrectly affected at all three of the credit rating agencies by an issue that happened with XXXX that was a mistake on XXXX  part. I have contact all three of the agencies about this and have not received a response. I have submitted a dispute online for each of the three credit agencies with not response. This is adversely affecting my ability to get a loan. Please advise
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IL)

SYNCB/XXXX is reporting incorrect information on my credit report. I have contacted SYNCB several times to get my account updated. I have not received any updates on the account. The account still shows DEROGATORY.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PARK NATIONAL CORPORATION (OH)

I pulled up a copy of my credit report and seen there were some accounts that is not mines and will need them removed. There are miss spellings of my name, phone numbers that are not mine, and addresses that I have never resided at. The following accounts in dispute are listed below : XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, GUARDIAN FINANCE # XXXX, # XXXX, # XXXX, # XXXX, DEPT OF ED/XXXX  # XXXX, # XXXX, # XXXX.Please Delete NAMES that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX.Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX, OHIO XXXXPlease Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX.
Consumer complaint received 2021-01-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Outsource Group, Inc (TX)

on XXXX at XXXX XXXX and on XXXX Medicredit called my personal phone without my prior written permission at an inconvenient time leaving an embarrassing voicemail using obscene and profane language alleging I owe a debt in the amount of {$440.00}. On XXXX Medicredit called and sent out a letter harassing me with an offer to settle a debit I do not owe them. On XXXX I sent Medicredit my Affidavit of truth rebutting all alleged allegations. On XXXX at XXXX XXXX Medicredit again attempted to collect an alleged I do not owe them.
Consumer complaint received 2021-01-16
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: Fidelity National Information Services, Inc. (FNIS) (MN)

The following credit inquiries viewed by others listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX, XX/XX/2020, XXXX XXXX on behalf of XXXX XXXX, XX/XX/2020, and XXXX XXXX on behalf of XXXX, XX/XX/2020. I am a victim of identity theft and have a recent police report on file with Chex Systems.
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

I opened Synchrony bank 2 % cash-back credit card ( PayPal credit card ) in XX/XX/2020. I have perfect credit score, was never late and always paid the balance in full. On XX/XX/XXXX, my credit card was closed by Synchrony bank without any explanations. 
My credit card is ending with XXXX. 
I called Synchrony Bank twice and was told the Bank can close my account anytime without paying any cashback. 
The expected cash reward {$420.00} was never paid. 
This is obviously a fraud.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Credit Corporation (IL)

AVANT is reporting an account as a DELINQUENT, I contacted AVANT on XX/XX/2020, as well as all credit companies to request information regarding this DELINQUENT, account. To date, I have not received any information regarding this account and the DELINQUENT, status.
Consumer complaint received 2021-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

My mortgage is being serviced by Huntington Bank, it is held by XXXX XXXX. 
Back in XX/XX/XXXX I took advantage of the payment deferral program - offered due to financial difficulty. 
After offered 6 months of deferring my payments I have notified the bank that I will be making my regulars payments starting in XXXX. Bank notified me that they will send me a packet of documents for me to sign and send back. I have received the modification paperwork have notarized them and sent them back to the bank back in XX/XX/XXXX. 
In XXXX I have tried to apply for refinancing with XXXX for XXXX XXXX and my application was rejected because of the deferral program, which by the way when I signed up for it, it was not disclosed to me that it will prevent me from refinancing my loan for over 4-5 months after going off of it. 
Since XXXX I have made all of the required payments up until XX/XX/XXXX. 
I have called the bank about 10 times and sent couple emails to inquire about completion of the modification of my loan. 
I have not received any emails back from Huntington Bank, I have called and requested to speak with a manager as different CS representatives were providing me with different versions of the standing of my loan. Including responses such as that I am late with my loan and that the modification required paperwork has not been received. 
When I received a call back from a manager, I was not able to answer. They call back after 4 days of my request to speak to them! They leave a message and ask to call back to CS department and request another manager call back! 
At this point due to the almost 4-month delay and no response from the bank, I am concerned that I will not be able to refinance my loan due to a change in my employment history that took place in XX/XX/XXXX.

Every person I spoke with at CS say that they are sorry, that COVID got them backed up, etc, etc. No resolutions, no proper manager intervention, constant misinformation, and lack of accountability! 
From what I understand there are thousands of applications that are being held uncompleted for months! It's just yet another way banks are taking advantage of this pandemic situation. Will they get away with it? Probably. 

Attached is the Modification Letter from the bank. 
Confirmation of the delivery of the modification paperwork by XXXX. 
Label of the modification documents package with the addressee.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NC)

Completed deed in lieu of foreclosure in XX/XX/XXXX with Shellpoint Mortgage. Shellpoint never sent me the final documents that the mortgage was closed even though I signed everything and it was notarized on their end. I have called/emailed/faxed for the past 6 months. They confirmed on the phone that my account was paid in full and closed. They advised me to fax my request for documents. I sent the fax twice in the past 4 months. When I called last week, they said my account was still pending to get my documents, even though it has been pending since XX/XX/XXXX. They said the only things I can do is call back every 30 days to get a status. 

In the end, this is affecting me fixing my credit score because it is showing delinquent/defaulted even though it has been paid for 16 months. The customer service from Shellpoint Mortgage is non-existent after they get their money from you.
Consumer complaint received 2023-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D.S. Erickson & Associates, PLLC (MN)

I received a letter from this debt collector on services never rendered to me. If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.This is in violation of the section 146.002 of Texas law that states that, the health care service provider may not recover from any other individual who, because of a family or other personal relationship with the patient, would otherwise be responsible for the debt. You are also in violation of No Surprise Act ( SB 1264 ). Provide me dates and services rendered. I am not aware and did not have the services provided. I am requesting that, you allow me to validate the alleged debt. I am unaware of these debts and need you to provide a breakdown of all the bills. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission nor have services performed by the company listed to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Engaging in debt collection without filing a bond with the Texas secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex.Fin. Code 392.402. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it, may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (UT)

In XX/XX/2021, I paid my Target Red Card balance in full. In XX/XX/2021, I received a notice from XXXX stating that my payment was late 30 days and is now delinquent. I called the creditor and was told that interest had accrued on the card and that two late fees were also applied. Due to a system error, I never received my statement via email and the statement did not show on my account. So I was not aware of any payment due. I called Target that day to resolve this issue. I paid what had accrued to bring my account back to " current '' but the late payment, due to system error, was not removed from my credit. I have disputed this 3 times now and they refuse to remove the 30 day late payment from my credit report because they " reported the missed payment honestly '' and " my statements were sent out on time since. ''