davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Jennifer McCoy, PC (TN)

On XX/XX/XXXX, I moved into the XXXXXXXX XXXX. During that time I endured relentless harassment by the landlord. I have documented evidence. I also was denied services also of which I have evidence. Then, XXXX XXXX, the property manager denied my medications. When presented with evidence, she created a lie. She did not know the cards in question that she stated she allowed XXXX into my apartment and placed those on my door were actually sent in mail. 

I endured other vile acts by XXXX XXXX. 

Then, using TN State Statute ( Code 66 ) I notified XXXX of her harassment denial of services and other acts which were a violation of the law. I have the evidence to prove this. 

XXXX XXXX has been proven to be a lair. Everything she told me was a lie and can be backed up by documented evidence. XXXX XXXX, the liar, then again created an amazing story about a debt not owed since under TN statute we were allowed to leave without harm. XXXX again lied and created a debt not owed. She then sent it to a collection company knowingly that it was a lie. In doing so, this is an act of fraud. 

XXXX XXXX also misrepresented a material fact, knowing it to be a lie about medication required for a XXXX. I relied on this. This is not only a lie but can be inferred to be fraud as well. 

XXXX XXXX also promised me numerous times that she was doing something to basically earn my trust. I believed in her promises only to find out she was being deceitful. Promissory estoppel. Now, this same person, hit our credit with malicious intent to damage us. She continued her lies and harassment. 

We have suffere3d severe financial damage because of her. However, her attorney XXXX XXXX is just as responsible for these outrageous acts of creating something that doesn't exist. She represents the client and is confessing her fraudulent actions to harm innocent people is ok. 

We have much more evidence to show their abuse of the debt system.
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

My insurance company sent a yearly invoice for payment to my mortgage company " Lakeview Loan Servicing '' /XXXX ''. The policy number is XXXX with an expiration date of XX/XX/22. Lakeview still has not paid the invoice, and are indicating that my information is " outdated ''. They have had the same insurance information for years, and my homeowners insurance company has not changed. Why havent they paid this invoice, and why are they pretending like its up to me to update it every year? It is automatic, my insurance company bills Lakeview Loan Servicing. My Lakeview account number is XXXX
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ADIR INTERNATIONAL LLC (NV)

For the last few months I have been disputing this account ( CURACAO ), Which i noticed the reporting upon checking my Credit. Back in XXXX when i became aware, this account was reporting as a Charge-off and was sold to XXXX XXXX Also, it was reporting twice on my profile with multiple inconsistence 's. The accounts were also appearing as open after it was charged-off and had different balances reflecting on all three credit bureaus. Every time i sent a dispute, the accounts would come back verified and the " DATE REPORTED '' would come back re-aged as recent which would knock my credit several points and it is also illegal. I pulled my Credit report as of ( XX/XX/22 ) and notice that now CURACAO is reporting three different times and show a status of open on some bureaus and closed on another. Its hindering me from establishing Credit so that I can purchase my home. I ask that the Credit bureaus alongside CURACAO be held responsible far as making correction to my account.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I have sent a money transfer through MoneyGram on XXXX XX/XX/2020 at XXXX using their app and with my cell phone. The amount sent is {$350.00} ( fee included ). The transfer was a deposit to a bank account. The receipt of the company shows the money is still " in transit '' but hasn't been accredited to the bank account. I paid with a debit card. My money has been taken from my bank account linked to the debit card used. 

The money is still in transit to the bank account in XXXX XXXX where the money is supposed to be claimed by my family member. 
I have contacted MoneyGram several times about this issue and until now all they say they are investigating. 

I want my money to be delivered as expected and deposited to the bank account.
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (SC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2021-11-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Express Recovery Services, Inc. (UT)

Company is Express Recovery Services. Trying to get facilities bill for ed visit ( hospital tried to charge insurance but had wrong birth date and also had wrong address for me due to typos so never got notices so went to collections ). 

XX/XX/XXXX call while i am at work, try to collect. I say I want to talk to hospital and say specifically I can't do this and have to pay through them XXXX, I call hospital billing department multiple time and they give me different answers regarding releasing bill from collections ranging from " need to talk to supervisor '' to on XX/XX/XXXX having three way call with express recovery who say bill is being " disputed '' but it being " released from collections '' is not possible. Also on XX/XX/XXXX, speak with original representative from express recovery services that spoke to on XX/XX/XXXX and insinuate that " releasing debt from collections '' is actually possible but unlikely. 

XX/XX/XXXX : Ask my insurance to call the hospital billing on the XXXX. They call and tell me that the hospital will " release bill from collections '' and charge insurance. Given my arguing about this for 7 days and them getting this done easily ask them to call in a 3 way fashion so I can confirm and here ( change birth date to correct one with hospital as well ) and confirm XX/XX/XXXX : call collections agency, hospital and have insurance call hospital, all who confirm debt is " released '' from collectors and my insurance is being charged. 

My concern is the collectors misleading me telling me I couldn't talk to the hospital or have my debt released so my insurance could pay for it. My insurance would not pay the collectors directly because no line item bill which would force me to pay cash for something that I actually had coverage for. I'm a physician and I hope my patients do not got get tricked into this type of financial hardship because they are told they can't use their insurance since they can't have their " debts released from collectors. '' Of note the letter sent by Express Recovery Services says " Pay this office only '' further making it seem as their staff did that I can not half the hospital billers " release the debt from collections '' so I can actually use my insurance as opposed to be forced to pay cash to collectors since insurance doesn't pay collectors since they need to see line item type bill that only comes from hospital.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX  acknowledging the technical issue with their automatic payment system.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (FL)

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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello, In XX/XX/XXXX and prior, Ive been going back and forth w/ XXXX  regarding several issues with my account. Being that several people were emailing me in regards to my concerns. No one was really checking my account for notes prior to contacting me after the last person. 

Anyway, the remaining issue still exists. On TransUnion report under XXXX, instead of 2 accts. Only 1 acct. shows for XXXX, that account shows as CLOSED, that acct. also has in the remarks section that they were included in my Chapter XXXX Bankruptcy ( Case # XXXX, filed XX/XX/XXXX, discharged XX/XX/XXXX ) IF you so choose look up this public record, it will confirm that NO STUDENT LOANS WERE INCLUDED IN MY CHAPTER XXXX BANKRUPTCY. I have told all 3 credit bureaus this repeatedly, they have not removed this information. I have requested repeatedly from the student loan servicers to have this information removed & reported accurately. Instead on my report it just shows, consumer disputed ... .consumer disputed. Im disputing but nothing is being resolved. Whats the point in going through their processes in contacting them if they dont care? Please enlighten me. It is MY credit scores that are effected. It is me, thats buying a home. 

They can send out the right paperwork when billing but not care what the credit bureaus report based on THEIR information. Thats not ok.I need all XXXX information to be reported accurately across all 3 credit bureaus. There are 2 ( TWO ) accts. not one, both are OPEN, under no circumstances were either filed in my Chapter XXXX Bankruptcy. Correct it. 

ALL DOCUMENTS ARE ATTACHED.
Consumer complaint received 2020-07-07
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. (TX)

The credit report agencies are reporting the same accounts as a charge off and collections ( XXXX XXXX XXXX and XXXX XXXX XXXX The accounts have a great deal of interest added to them. 

2. I also have a charged-off accounts for XXXX XXXX XXXX and XXXX XXXX XXXX  3. I have late payments for XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

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 Experian has reported incorrect information on my credit report. XXXX XXXX XXXX does not inform of bankruptcy to any credit bureau. Experian also has too many names associated with my credit report that are incorrect. My married name WAS XXXX XXXX and I am currently divorced I am XXXX XXXX XXXX currently now. I have included a PDF that shows everything highlighted that needs to be deleted.
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent TRANSUNION Collection : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Balance {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$260.00} Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I send numerous letter to this company. I told them I dont owe this debt. Ive spoken to several representatives and they refuse to compile by the law. I want the to remove this account from my credit. I dont owe this debt and they are not the original creditors.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Radius Global Solutions LLC (TX)

XX/XX/2019, credit card was paid off. Its been over a year and Im still unable to open a bank account with XXXX XXXX due to credit reporting still showing unpaid amount.
Consumer complaint received 2022-07-04
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act, these accounts have violated my rights : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-04
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/2022, I called the SunTrust ( now Truist ) automated system to review my checking account and realized that my account balance was incorrect. I called my local branch in XXXX XXXX, Maryland, to ask for a detailed account of my recent transactions. The list of transactions showed that one check ( # XXXX ) was out of sequence, and in the exorbitant amount of {$10000.00}. I advised the bank representative that I did not write a check for {$10000.00} and still had check # XXXX in my possession. The bank representative advised that I must come to the bank to discuss the matter. I went to the bank that same day and spoke to XXXX XXXX XXXX. XXXX XXXX confirmed that someone by the name of XXXX XXXX, who I do not know, cashed the fraudulent {$10000.00} check from my account, electronically, on XX/XX/2022 -- possibly at a check cashing facility. XXXX XXXX proceeded to help me to close the account and open a new one. She advised that she would report the incident to the fraud department and that it may take up to 30 days to complete an investigation and return my funds. More than 60 days have passed and I have heard nothing from the fraud department -- no letter to acknowledge the theft ; no information about what action is being taken ; and no mention of when my account will be restored. Because of this act of fraud and the lack of action taken by the bank, I have been unable to timely meet my financial obligations and have had to rely on my bank credit card to pay bills and buy food. In an attempt to remedy this matter myself, I called the Truist Fraud Department directly. I was provided a fraud complaint number ( # XXXX ) and, on or about XX/XX/2022, was advised that it might take five to seven days to complete the investigation. I also filed a report with my local police department. I was given fraud complaint number XXXX and was advised that an officer would " show up '' [ come to my home ] to obtain a statement. I have heard nothing form the police department to date. I am a widowed, senior citizen on a fixed income and I need my funds restored now.
Consumer complaint received 2022-07-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

Someone opened a checking account with TD bank that is not me. I received a notice of my checking account in the mail from them. I contacted TD bank today ( XX/XX/22 ) and they said they would initiate an investigation. There is XXXX dollars in the account but I am guessing there is more to the story. Thank you.
Consumer complaint received 2020-07-07
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. (FL)

Around XXXX of this year I received an unsolicited email to check my rate on a personal loan from a lender I have used in the past XXXX XXXX XXXX. I submitted an inquiry and waited for a response on possible loan rates. I never signed any agreements to any loans. I later received an email that I was declined and I moved on. Later I received an email that funds were on their way. This was surprising since I never agreed to a loan and never provided banking information. According to XXXX they sent funds to an old account that I had using old data and that bank account was closed by me over 5 years prior. XXXX then told me to wait and funds would be returned and forwarded to me in approximately one week. I told them that I didnt agree to a lone and they told me they needed the funds back to make corrections. I advised them that I did not bank with that bank and I did not think they would release the funds. They told me they would take care of it but it would take approximately 30 days. After the 30 days they began calling me about the missed payment and at that point I contacted my attorney. My attorney sent them a demand letter to provide proof of a loan and they failed to respond to the demand letter. They also stopped contacting me. At this point I just want the credit to be cleared of their mistakes. I provided the information to all 3 credit agencies. Two agencies deleted the account. Experian has been notified and given all documents on my part and has kept the account active. Ive asked them to provide information on proof they are communicating with XXXX  or contact information for my attorneys and no information has provided.