davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-13
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. (IL)

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX  XXXX XXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXX XXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.
Consumer complaint received 2022-02-13
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)

I need you to investigate the following accounts you claim to be accurate on my credit file 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
Consumer complaint received 2022-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-12
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. (CA)

1. I have never had accounts with this company DEPT ED, REMOVE from all credit reporting agencies that's reporting. 

2. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You are Dept ED the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B ) ( 3 )
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

We received notice from our county office that real estate taxes have not been paid from our escrow account. The amount in default is {$3500.00}. The first notice was received on XX/XX/XXXX. The default will be published in the local paper on XX/XX/XXXX. If payment not met, we will also be charged interest. 

The Lender, CMC Funding, has yet to open an investigation after many requests. Numerous calls have been made and am given the runaround. This has not been the best experience with this Lender. 

As a consumer, I find this unacceptable.
Consumer complaint received 2022-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1. I have never had accounts with this company DEPT ED, REMOVE from all credit reporting agencies that's reporting. 

2. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You are Dept ED the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B ) ( 3 )
Consumer complaint received 2022-02-12
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. (IL)

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXX XXXX  to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still dont know how or where this debt has been verified. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXX XXXX  or the credit reporting agencies.
Consumer complaint received 2022-02-03
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: Santander Consumer USA Holdings Inc. (PA)

XXXX is violation my consumer rights under these laws : Pursuant to15 U.S code 1681 ( a ) ( 1 ), ( 3 ), ( 4 ) ,15 U.S.code1681 ( 2 ) ,15 U.S. code ( b ), ( d ), ( 2i ), ( ae ), ( 2a ) By XXXX reporting these accounts on my report they are directly in violation of my rights. ( Privacy Act of 1974 ) We put on notice that claimed all accounts to be verified and reporting legally. 

Account name : XXXX XXXX Account number : ( as reported ) XXXX Account name : SANTANDER CONSUMER USA Account number : XXXX
Consumer complaint received 2022-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have new information regarding CFPB complaint # - XXXX, XXXX, and XXXX. This company is still using a stall tactic to prolong this situation. This company keeps sending me things in XXXX knowingly I only speak/read the English language for the 2nd time. All of the complaint has been in English, and they have been responsive with this complaint is plain English. This company is still violating my consumer rights under 15 USC 1681. Pursuant 15 USC 1681i ( a ) ( 1 ) ( a ), ( b ) and ( c ) consumer reporting agencies only have 30 days and that is all the time I am allowing. If this situation is not complete and results are not mailed to me by XX/XX/2022 I demand these things be removed from my consumer report.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OH)

Please see attached files. Basically Chase is refusing to believe that a fraudulent charge was made on Credit card and they have made me make the payment which is illegal. Attached are the details of the situation and I have obtained police reports to show that this charge was made by someone online who used my credit card information ( they used XXXX for a grocery order at XXXX ) for an amount of XXXX on XX/XX/2021. I have submitted another complaint and could not figure out how to amend that complaint with some additional information I am attaching here on this matter.
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

Constant calls from a company called Hunter Warfield out of XXXX Fl,, last call XX/XX/XXXX at XXXX ; XXXX. They keep saying they locked my XXXX account which is NOT true, I have a XXXX balance on my XXXX account & even XXXX customer service says there are no issues.. 
When I call this company at XXXX XXXX same number that keeps texting me they will not help without personnel info which I am not giving them because XXXX says there is no issue with my account!
Consumer complaint received 2022-02-12
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. (KY)

I have sent several disputes in the past to have the Public Record of a Bankruptcy ref # XXXX removed from my credit reports due to being inaccurate. I contacted XXXX to dispute the information as well. XXXX removed the information from my consumer report as of XX/XX/2021. XXXX, XXXX and Experian have failed to remove the inaccurate information even after multiple disputes and despite the furnisher of the information " XXXX '' deleting the bankruptcy ref # XXXX from my consumer report. The latest letter sent to all three bureaus to exercise my rights under XXXX  XXXX ( XXXX ) ( XXXX ) ( XXXX ( XXXX  ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information... ect. Neither XXXX, XXXX, nor Experian have provided me this information in the XXXX day time period allowed and am making this complaint to show XXXX, XXXX, and XXXX by not affording me my rights under the XXXX or deleting the information from my credit report.
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

This is my second complaint about the same problem. 

Fifth Third services my mortgages. Despite this issue having been " resolved '' by the previous CFPB complaint, it continues. 

A letter, dated XX/XX/XXXX, arrived in early XXXX claiming they " reached out '' to my insurance company but were unable to verify my insurance. 

On XX/XX/XXXX, I attempted to use their web-based form to provide this insurance, but got XXXX XXXX. On XX/XX/XXXX I was successful in submitting the information. 

Today, XX/XX/XXXX, I got two letters, one dated XX/XX/XXXX, saying they are going to force-place insurance, and a second letter, XX/XX/XXXX, with nonsensical claims about changing the mortgagee clause, even though the mortgagee clause is already as they requested. 

All of these letters make threats about force-placed insurance, and I believe Fifth Third intentionally and negligently maintains these dysfunctional systems intended to force me into an expensive and unnecessary insurance product.
Consumer complaint received 2022-07-25
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. (NV)

In accordance with the Fair Credit Reporting act 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. 

The following Accounts : Loan Account Holder : XXXX XXXX XXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IN)

I received a text on XX/XX/XXXX from a number I didnt recognize that said; Welcome! You'll rcv msgs from XXXX XXXX Collector. Msgs vary by acct/pref. XXXXsg & DataRatesMayApply STOP to optout HELP for info. XXXX & XXXX 's : XXXX I assumed it was a scam text message as I get those quite often and they usually have a link attached to the message similar to how this message does. On XX/XX/XXXX I notice a collections account on my credit report from LVNV Funding that they reported as late on payment. I didnt recognize the name and I know I XXXX received any communications from a company called LVNV funding, after a bit of digging online I quickly was able to connect that resurgent capital and LVNV funding are the same company using a different name. Aside from what little information their text message relayed Ive received absolutely XXXX communication, in the mail or otherwise, validating or verifying the debt and I never was informed of my right to dispute the debt.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (MI)

On XXXX a thief opened an online checking account using my personal information at a company called CHIME bank name is The XXXX Bank. THIS ACCOUNT WAS OPENED WITHOUT VERIFICATION OF IDENTIY. 
I emailed/called Chime to close down the account and I spoke with an employee named XXXX. I explained to her that I was victim of identity theft, and I did not authorize this account to be opened. I was told it would be shut down that day and I would get an email that day with her full name and confirmation. I did not receive anything from her, and I have great concern because she was given my SS # to verify my identity. Since that date I have requested that the detective handling my identity theft case to be sent important information immediately. I emailed Chime and sent them my police report, FTC report, proof of identity. I spoke with XXXX ( I was given a claim number ) at Chime on XXXX and requested that he expedite getting the information to the detective, he was provided with all important documentation. I have growing concern with this company there seems to something suspicious in the handling of my identity theft.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Tried to get all old personal info wiped and will not do all is wrong and inaccurate. Please remove personal info. I have only applied for XXXX things in in last 3 years and it show I have over XXXX inquiries. This is not me
Consumer complaint received 2022-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

XXXX sent me a letter dated XX/XX/2022 stating that my account was delinquent, and they intend to repossess. 

This was regarding my XXXX payment in the amount of XXXX. That payment was made on XX/XX/2022. However, when I spoke with a XXXX representative, I was informed that the payment went toward interest and not the principle. Im not sure how that happened. I always make my payments online and this has never occurred. The representative stated that I must have clicked on pay interest only, which I did not do. There must have been some sort of glitch in your system. This is a billing error according to 12 CFR 1026.13. And pursuant 15 USC 1681 ( n ) ( 1 ) ( a ) Nissan Motor Acceptance Company is civilly liable and I am owed remedy for damages up to {$1000.00}. 

Because of this error, I have suffered another detrimental hit to my XXXX  score and consumer report preventing me from qualifying for other consumer credit transactions that I was in the process of obtaining. Due to XXXX reporting yet again inaccurate information, this payment error, to the credit reporting agencies my reputation has been damaged. I want XXXX to contact the credit reporting agencies and rescind the late payment immediately.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

My claim should be honored because my ATM card was stolen from the Company 's ATM machine. I made a deposit that day and the never got the card back. I believe who ever the next person used the same ATM machine stole the card and have used at different stores and restaurants many many times. I reported all the transactions not made by me to Navy Federal credit union on XX/XX/22. I believe my card was used without a password and i don't understand why this bank alerted me days later. Unfortunately, the company said that there was no error. They did not do an investigation. They did not check the camera of their ATM machine. I believe they did not do anything at all.
Consumer complaint received 2022-02-12
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: PRESTIGE FINANCIAL SERVICES INC (MI)

The account with PRESTIGE FNL with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has no payment history record in 3 Credit Bureaus. I'm not sure if the 3 Bureaus have conducted a thorough investigation prior to reporting this account to be derogatory. 
PRESTIGE XXXX XXXX XXXX : {$17000.00}
Consumer complaint received 2022-04-14
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. (FL)

My initial contact with XXXX and Transunion was on XX/XX/2022 when I sent a letter to both companies via certified mail that was delivered on XXXX and XX/XX/2022. After reviewing my credit report I noticed that an account from XXXX XXXX XXXX was reporting inaccurate information for alittle over a year and requested that the account be removed from my credit report. XXXX and Transunion sent me results of the investigation and stated the information was accurate however it is not and I can prove it in court that the information is not accurate. I have reached out to XXXX XXXX on three separate occasions requesting that they remove the account from my credit reports. To date XXXX XXXX XXXX is still reporting in accurate information to my credit reports. No it is not my responsibility to tell a company what or how to report to the credit bureaus. The FCRA states that a company is not to report inaccurate, outdated, or invalidated accounts on a consumer 's credit file. It also states that its the credit bureaus responsibility to ensure that all information contained within a consumers ' credit file is accurate and free from errors. All three companies have failed to do this XXXX, XXXX XXXX and Transunion.