davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (LA)

This company is reporting illegal information on my credit report I contacted them 30days ago got no response. also under the hipaa privacy act they can't have access to my personal medical records that's against the law and they can't provide me with information about this.
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened a Capital One Money Market Account. Met all of the terms for the {$500.00} bonus, but Capital One refused to give me the bonus. The terms state that you need to deposit XXXX by XX/XX/XXXX. I deposited XXXX in a few transactions, then reached out to get the status of when I would receive my bonus, they said I did not meet the terms. They stated that my account did not have a balance of XXXX. No where in the terms does it say I need to have a balance of XXXX, only XXXX in deposits. Please see the attached PDF with the offer and offer terms. You will see no where in the requirements does it say the word " balance ''.
Consumer complaint received 2022-05-02
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. (NC)

In accordance wit the fair credit reporting act, the following companies have violated my rights. 

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  15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and/or instructions.

15 USC 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 2021-12-06
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: National Credit Adjusters, LLC (CA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I attempted to freeze my credit report and in order to identify me I was asked if I took out a car loan in a certain month, I did not take out car loan. I later realized that I was helping my granddaughter look for a car and one of the agencies probably checked my credit. I DID NOT TAKE OUT A CAR LOAN. The web site then said it could not process my request and I had to mail in a request. The requirements for the mail application are onerous and putting all that information in the mail would probably open me up to identity theft. 
I attempted many time to call this agency and could not get through to a human. I would like to restrict Experian from keeping any of my information. I believe this is a violation of my privacy.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

XXXX  XXXX Account XXXX This accounts payment history details are being reported inaccurately. I have never been late on this account. I have also attached a copy of my consumer report from another agency with highlighted proof where the information was corrected and updated. I am asking that you all do the same. 

This account was also closed by the grantor and then reopened with the same account number without my permission and is now showing as a new account that I did not authorize and is reporting new account history. This account was opened in XXXX of XXXX and is now reporting a new date of XX/XX/XXXX. I did not authorize this company to open a new account on my behalf and if this account is going to report on my credit profile it needs to report accurately. I wanted this corrected immediately or I do plan to pursue litigation based on laws provided by the FCRA. 

XXXX XXXX Account XXXX This accounts payment history details are being reported inaccurately. I have never been late on this account. I have also attached a copy of my consumer report from another agency with highlighted proof where the information was corrected and updated. I am asking that you all do the same.
Consumer complaint received 2022-05-02
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 they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX Account Number : XXXX 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 2022-05-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

Reached out today ( XXXX ) and spent XXXX and XXXX being passed around from department to department. And NOBODY could/wanted to discuss where my increase in payment was from, I understand shortage in escrow but when my taxes had very little change and my insurance only changed {$220.00}. But to have a shortage of $ XXXX?!? They also could not and would not provide a valid contact number to the actual Mortgage holder ( which happens to be the same as the company acting as a 3rd party ) just a bunch of passing the buck, after clearly explaining and identifying myself EACH time! What a waste of time and unprofessional way to treat the consumer. Just want clear and documented numbers of where this increase came from and how especially having ALL current info at the time of the projected years change And each time I reach out to inquire on my mortgage or ask for information I get NOWHEREThus resulting to reaching out to the CFPB which amazingly I get a call back/from the company and FROM a person who can correct/fix the situation the first time
Consumer complaint received 2022-05-02
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (CA)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


JPMCB CARD Bal. {$0.00} Acct # : XXXX
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

For months, Experian has reported an account ( XXXX XXXX XXXX, Account # : XXXX ) on my credit report with missed matched dates and missing information. For example, they are not reporting the " Account XXXX '' and the " Verified Date '', which is information they must have but for some reason, it's been missing from my report for the past three months and nothing has been done to fix it.

As well, they are reporting this account as " Closed '' but they are missing the Closed date, which is completely contradictory information and needs to be fixed.

I sent 3 letters in the past three months and I gave them enough time to respond but to this day they haven't acknowledged my letters in any way. To this day, this account is still being reported as " Account not disputed '' and I receive absolutely no correspondence from this company.
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

Deposited a check at Truist Bank in the amount of {$25000.00} issued by XXXX XXXX thru ATM. Deposit was flagged and sent to Fraud Department for review on XX/XX/22. Contacted the bank on XX/XX/22 inquiring on why we were not able to access our personal funds and was told that the account was frozen until a Fraud investigator could review the account. XX/XX/22 went into local branch office to try and resolve the issue was given number to call the fraud department. Contacted fraud department and was told that the check deposited was under investigation could take up to 7-10 for our personal funds to be released. Branch manager called on XX/XX/22 stated she spoke to the Fraud Department and was informed they were closing the account and we would no longer be able to do business with Truist Bank. Contacted Fraud Department on XX/XX/22 asking when we would have access to our personal funds was told that this was still be investigated and they would contact me within XXXX hours with an update. We have not had access to our personal funds since XX/XX/22 this has caused a major hardship as we have over {$8000.00} of our own money in that account. We do not believe it is legal to hold someone's personal money and would like to have them investigated for such inappropriate action. We have had our account for approximately 35 years starting with XXXX XXXX merged with BB & T merged with Truist Bank. This has got to be one of the worst banks anyone has ever had to deal with from waiting on line for over 2 hours to speak with customer service rep to final getting a representative who lacks the knowledge to do the job and answer the consumers questions. The only response they give is we understand without resolving the issue. This bank should be put out of business by the government.
Consumer complaint received 2022-05-02
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)

The attached document 'Experian Dispute Resolution - XXXX XX/XX/2022 ' is an update to my CFPB Complaint No. XXXX, that I filed against Experian last week. 
I submitted the attached document to Experian, because I disagreed with their resolution to a dispute that I submitted to them on XXXX XX/XX/2022. 

XXXX XXXX XXXX, XXXX ( Retired )
Consumer complaint received 2022-05-02
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. (UT)

For months, TransUnion has reported an account ( XXXX XXXX XXXX Account # : XXXX ) on my credit report with missed matched dates and missing information. 

For example, they are not reporting the " Account Type '', which is information they must have but for some reason, it's been missing from my report for the past three months and nothing has been done to fix it. 

As well, they are reporting this account with an incomplete account number that I don't recognize, nor they have provided the actual number or proof that it belongs to me. I sent 3 letters in the past three months and I gave them enough time to respond but to this day they haven't acknowledged my letters in any way. 

Also, TransUnion has frequently updated and reaged this alleged debt, which is a violation of the 7 U.S. Code 9, it is prohibited to use false or misleading, or inaccurate reports of information.

To this day, this account is still being reported as " Account not disputed '' and I receive absolutely no correspondence from this company.
Consumer complaint received 2022-12-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

I have been approved for HAF assistance. I have made over 7 attempts to locate the funds that were sent to my lender to cover my mortgage payments which I am struggling to keep up with. HAF has stated they mailed the funds on XX/XX/XXXX. I have no received any correspondence from my lender confirming the payment has been received. I am approaching month 2 of being approved by HAF to cover my mortgage payments and my initial payment for the month of XXXX has yet to be posted to my account.
Consumer complaint received 2022-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BCI FINANCIAL GROUP, INC. (FL)

XXXX, nice and XXXX I have been in forbearance since abril of 2021 my first payment stated in XXXX but they told me that Im not in forbearance anymore and never put that money at the end of my Loan. On XX/XX/XXXX if I dont pay XXXX my house will go on forcloser. I have send them all the paper work they asked. 
City national bank and loss mitigation dept
Consumer complaint received 2022-03-21
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (GA)

At this time, I will ALSO INFORM YOU THAT if your OFFICES have REPORTED any INVALIDATED INFORMATION, to any of the 3 MAJOR CREDIT BUREAUS ( Experian, XXXX and XXXX ). This action may CONSTITUTE FRAUD under federal and state LAWS! Due to this fact, if any NEGATIVE MARKS is found on any of my CREDIT REPORTS by your COMPANY, or the COMPANY you REPRESENT. I will not HESITATE in bringing LEGAL ACTION against you and your CLIENT, for the following : VIOLATING THE FCRA! Violating the FDCPA and defamation OF CHARACTER! 

If your offices is able to provide the PROPER DOCUMENTATION as REQUESTED in the original DECLARATION. I will REQUIRE at least 30 days to INVESTIGATE this INFORMATION. During which time all COLLECTION ACTIVITIES shall CEASE AND DESIST! Also during the VALIDATION period if any action is taken that could be CONSIDERED DETRIMENTAL to any of my CREDIT REPORTS. I will then consult with my LEGAL COUNSEL FOR SUIT! This included any LISTING of INFORMATION to a CREDIT REPORTING repository, that could be INACCURATE or INVALIDATED! 

15 U.S. Code 1692g - Validation of debts 15 U.S.C 1681b ( a ) ( 2 ) Permissible purposes of consumer reports Direct Violation of 611 ( c ) ( e ) of the FCRA b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent in a letter regarding several accounts that are inaccurately reporting to my credit file. The credit reporting agency did not update me on the status of the investigation and it has been well over 60 days
Consumer complaint received 2022-10-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

So back in XXXX, XXXX my business XXXX XXXX XXXX XXXX had a XXXX XXXX XXXX credit card with a business EIN number. My account was thrown into probate because XXXX XXXX XXXX somehow had my EIN associated with a deceased gentleman 's social security number. Took me till XXXX to fight this and get my account back in which I refused to pay the bill until it was removed from this gentleman 's probate. This in turn sent my account to collections but was paid off on XXXX and account was closed. So why is my business Equifax credit file showing a charge off? No one seems to be able to explain that. This has been preventing me from acquiring business loans.
Consumer complaint received 2022-02-11
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. (VA)

Hello and thank you for your assistance. 
Last XXXX, a Collection Agency I have never dealt with in the past, " XXXX XXXX, '' somehow sourced an old debt of mine that was settled in 2012, and started pursuing me about it. They also added this [ time-barred and Settled ] debt to my Experian Report, which is causing me a great deal of anxiety since I am applying for student loans for my Son. 

I originally Settled via XXXX XXXX, which was working on behalf of XXXX to recover the debt back in 2012. I promptly supplied them with a copy of my original Settlement Letter from XXXX, confirming my Settlement as of XX/XX/2012. This letter did not convince them. I also Contacted XXXX  to ask what they can do to assist and they said they can do nothing. All they would be able to do is issue me a copy of the same settlement letter that I have. I contact Experian multiple times to explain and disputed multiple times with the Settlement letter and told them that this matter keeps bouncing around like a hot potato. 

I've kept my documentation and do not understand why ; despite hours of conversation, this debt is still on my credit report. I've also been harassed by other collectors, some I am sure are scams, about this debt over the last several years. Not only have I shared the Settlement letter, but I've contacted XXXX XXXX XXXX at XXXX, to confirm and they were able to pull up the account and certify for me that there is a {$0.00} balance due on that account and it is settled. I asked them for a letter I could share with XXXX XXXX and XXXX, but XXXX said they " can not print one because it is so old, but if Experian, XXXX XXXX, or XXXX  want to call them they can certify it for them verbally. '' Since the housing crisis, I've worked very hard to repair my credit -- and this is the worst possible time for this to happen. No one is willing to accept the proof I have or seek certification from the original creditor. I believe this is a breach of the Fair Credit Reporting Act. What recourse does a consumer have in a situation like this? It seems, none.