davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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. (AL)

I have submitted disputes to you and I didn't get a response within 30 days and y'all are required by law to do so. Please investigate my disputes. Please. Thank you.
Consumer complaint received 2022-05-01
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: Duvera Billing Services, LLC (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 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 instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I was looking into Refinancing my home who I have lived in since 2007 in XXXX. When the loan officer looked into my mortgage there was no mortgage listed on my credit report as if I dont own a home. I initially contacted the XXXX  to resolve the issue with the company. In XXXX I received the money that was missing from my escrow as well as my mortgage adjusted to the different rate and they stated in the letter they would report my mortgage to All three credit bureaus. After two weeks I contacted Transunion to see what the process was, they stated I had to wait 45 days for the creditor to report. I am now filing this complaint because I have reached 45 days and no reporting has occurred. I would like to move my mortgage from XXXX XXXX XXXX  and I feel like I am being forced to stay there with no evidence of my credit history or current mortgage. It is effecting my credit score and my well being to found a better mortgage rate. I feel that this is a violation of my consumer rights.
Consumer complaint received 2020-05-15
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2022-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My mortgage loan with XXXX was transferred on XX/XX/22 to Shellpoint ( New Rez ) with only XXXX weeks notice. I am currently receiving assistance with 18 months of forward payments from the XXXX program which they are aware of. Furthermore, I do believe this is the reason behind being transferred to their affiliate company. However, I did reach out to XXXX and advised them of the transfer and provided them the letter received. My loan # XXXX remained the same. My payments are supposed to be trans to Shellpoint for up to 60 days received to XXXX. The payment from XXXX for XX/XX/22 has yet to be sent to Shellpoint causing me to fall delinquent. I am very concerned as this is ultimately in my opinion the reason they transferred the mortgage., to cause more issues. I have heard Shellpoint is their affiliate company who handles delinquent mortgages. XXXX payment was sent out on XX/XX/22 and has yet to be posted or trans from XXXX and XXXX payment will be sent out on XX/XX/22. No explanation from Shellpoint as to why or where. No information pertaining to XXXX  assistance was related to Shellpoint.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

There are 18 unauthorized inquiries on my credit reports that appear to have come from some credit phishing scam. They are listed below : XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXnquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX
Consumer complaint received 2024-12-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC (NJ)

I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA.

15 U.S. Code & 1692c prohibits debt collectors from communicating with third parties in connection with debt collection. Law States : If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (FL)

This bottom feeder company which purchases alleged debts for pennies on the dollar, sent me XXXX letters dated XX/XX/2022 for an alleged debt to XXXX. Regardless, the alleged debts are well past any Statute of Limitations for legal action and credit reporting. Upon receipt of this notice, immediately cease and desist all communication tactics. Further, you do not have my permission to forward this to any of your " other friends in the business ''. The letters were sent under the following reference numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2022-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

in accordance with fair credit reporting act XXXX  account # XXXX and XXXX, has violated my rights. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end late for and purpose.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (MI)

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. Experian # XXXX, XXXX XXXX XXXX, an 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 2021-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

When I bought my house last year in Tennessee, the mortgage was immediately sold to a company called XXXX XXXX XXXX XXXX of XXXX  XXXX, VA. XXXX which is owned by LoanCare LLC. 
I immediately noticed that their website or app didn't work as I had questions about extra principal payments. It is also impossible to reach a customer service representative over the phone. Endless voice prompts that lead to nowhere. My worst fears are coming true as they now have stopped paying my homeowners insurance and I suspect they are about to force a higher premium on me to ultimately drive me into foreclosure and take my house away. There are hundreds of complaints like mine on social media about this company. Why is no one doing anything about them?
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TN)

XXXX not owed. My son moved out of an apartment in TN in XX/XX/2022 for several violations under both State and federal law. The landlord was told of his actions on XX/XX/XXXX and filed a HUD complaint. Anything that occurs especially within a 6 month time frame from filing a complaint against a landlord is considered a retaliatory act. Currently we were at 6. Now ProCollect hit my credit without notifying me. I was not given the opportunity to dispute. Now, every day that they have this on my credit report amounts to 1 count of retaliation with damages. Now in addition to the previous 6 they now have around 13 counts. I guess they believe violating the law and peoples Rights is normal practice. I want ProCollect to be added to my sons HUD claim for retaliation and cease and desist any further actions. We also want all of our credit corrected as it was before they took retaliation.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

XXXX deposited a check in the amount of XXXX $ on XX/XX/2022. 
Hold placed on the account til XX/XX/XXXX when funds showed cleared and available for usage. 
Today is XX/XX/XXXX. The XXXX check deposit was deposited in the amount of {$4500.00} into my savings. 
Tried to withdraw money from atm today still denied usage to both my accounts checking ending in XXXX and savings ending in XXXX. 
Spoke with a customer support representative with chase. The support agent referred to my account still being placed on restriction due to confirmation of the check written to myself if funds were going to be cleared. Prior to this Ive spoken with them on dates XXXX of XXXX telling me to wait the hold duration and funds should be accessible the XXXX of XXXX.
Consumer complaint received 2022-04-29
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. (NJ)

XXXX XXXX XXXX was not authorized to obtain my medical information. Under the Health Insurance Portability and Accountability Act ( HIPAA ) I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX  XXXX XXXX XXXX XXXX for them to release my medical information to a third party.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. 

Please delete the following accounts : 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
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (DE)

My information was exposed in a data breach. According to 15 USC 1692c my rights have been violated by unlawful communications. Please remove the following from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (MI)

I have been working with a credit counseling company XXXX XXXX since XX/XX/XXXX, they are sending payments to this CC Company ( Aspire ), I have been getting nothing but trouble with them every time I call them and try to get information out of them for a hardship payment plan, a payment date change ( to stop the late charges from accumulating monthly ). They have lied to me about information they have received from my debt collection company ( I know this to be true because I am in contact with them almost daily lately, just today XX/XX/XXXX and yesterday XX/XX/XXXX ). Aspire ( the cc company ) stated to me on XX/XX/XXXX over the phone, they had no information about a rejected proposal from my debt consolidation company, ( they did as stated above they rejected the payment offer ) so I had to call to find what they would consider for a monthly payment. I never could a straight answer from XXXX representative she put me on hold 6 times, she told me there was nothing in my file from XXXX XXXX, and when asked for the 6th time about a payment amount, she said again well you can send something!!!! I hung up at that point!! They are refusing to work with me and I have even increased my payments from XXXX ( that was in XXXX ) to XXXX as of XXXX. They are accepting my payments also! I can not change my pay date I'm on social security XXXX and get paid the XXXX of the month and that's it the Government does not change for anyone! The due date is the XXXX my money goes through XXXX XXXX then onto the XXXX company so the payment is not there until the XXXX or so but again the CC company refuses to work with me on a due date change! 
I'm trying to pay this down but with them charging late fees and over the limit fees ( that they created ) it never will be paid off!! 
Card ending in # XXXX
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AR)

I have a hard inquiry from XXXX XXXX XXXX that I did not authorize. I have submitted a police report to Experian that shows that my identity has been stolen and I am needing this removed please.
Consumer complaint received 2022-06-21
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. (NC)

It is against the law to report any information not proven accurate. TRANS UNION DID NOT CONDUCT A FAIR INVESTIGATION. Trans union is not in compliance with the FAIR CREDIT REPORTING ACT. Trans union obtained specific factual information directly from a creditor and that is a direct violation of 15 U.S. Code 1681a ( e ).
Consumer complaint received 2022-11-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC (AL)

I have told this company to provide me proof of Debt, They have refused to do so They are now calling multiple times even with me telling them to stop are also texting me from XXXX and the text comes up as they are XXXX XXXX Else for Example the last says they are The XXXX XXXX. and then says they are National Recovery Agency
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (WA)

In XX/XX/XXXX I started a refinance w/cash withdrawl. There were numerous issues with me viewing loan docs so the officer sent then to my door via XXXX XXXX without asking, no signature required. The package left on my step contained every bit of information to assume my identy in it. This upset me and when speaking to the loan officer I was offered an apology and that wasn't not their normal practice to ship like that. At this point I just wanted the person who dropped the ball off my loan but I was willing to continue. Along this same time I was receiving multiple calls from the appraiser pushing me to schedule. Mind you I had not paid my app fee or even recieved loan documents to review before paying a {$960.00} non-refundable non-transferable fee. At this point ( beginning of XXXX ) I ended the refi and told them I would be going with someone else. The loan was not canceled it was sent to the underwriter. Because of this I was receiving emails urging me to long onto an account the I could never access in the first place to view non existant docs and even one saying since I hadn't logged in to view them they would be sent to my home again. I contacted the officer and begged nothing be sent, I heard no response and was told " we can not confirm nor deny there is a package with you information heading to your home ''. I filed complaints with PNC, 7 or 8 so far and on the XXXX of XXXX my refi was finally cancelled. This was after receiving mail that was telling me all that I had to get done before my XX/XX/XXXX closing. Not once have I recieved my callback in 24hrs like PNC promises. I made at least 10 different calls, waited on hold, and was told the issue was resolved. Currently, I am awaiting a call back from the representative handling the case. I last spoke to him on the XX/XX/XXXX where he had told me about the underwriter. I asked that my loan be transferred to another back due to their negligence and refusal to resolve the issue. I was told this was unusual but he would try. I asked for a callback by fridayXX/XX/XXXX he said no, I asked for a callback in a week ( XXXX ) he said he would try his best. It's now XXXX and I haven't heard. Throughout this process PNC has been unprofessional, dismissive, and down right rude to me. Like leaving me on hold for 5 mins, checking in, the 5mins of hold to tell me the dept I needed to speak to was closed. This entire ordeal has cause me tremendous stress about identify theft.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (NY)

on XX/XX/XXXX i sent dispute letters to experian, XXXX, and XXXX to verifiy these unfamiliar accounts and inquires on my report. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act experian, XXXX, and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that experian, XXXX and XXXXXXXX post on a credit report. I demanded to see verifiable proof with my signature that experian, XXXX, and XXXX have on file for the account listed below. Under the FCRA, unverifiable accounts must be removed and if experian, XXXX, and XXXX are unable to provide me a copy of verifiable proof like a contract with my signature 30 days after my dispute then experian, XXXX, and XXXX must remove the account listed below. it is now XXXX almost 60 days since i sent my letter and they haven't even responded by law they must remove all accounts and inquiries listed below. 
The following accounts and inquiries is not mine and needs to be deleted XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Account NumberXXXX XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC. (TN)

THE FOLLOWING VOICEMAIL THAT IS ON MY PHONE REPEATEDLY EVERY SINGLE DAY, THIS COMPANY CALLS AT SEVERAL DIFFERENT TIMES OF THE DAY EVERYDAY. This is what the message says : Hello this is Chrysler capital please respond promptly by accessing your account online at my account.chryslercapital.com or by contacting any of our servicing department representatives at XXXX between the hours of XXXX XXXX XXXX XXXX XXXX central time Monday through Friday and XXXX XXXX XXXX XXXX XXXX central time on Saturday this is a recording I do not have ANY affiliation with this company. Maybe they are looking for the person who had this very same phone number that I now have. It is a mistake, and I want them to stop calling me! Ive blocked them, and they still leave messages on my voicemail everyday!