davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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. (TX)

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX been supplying XXXX XXXX, XXXX, Experian and XXXX with harmful and negative information on me for over three years. These event are choosing me to XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, est. There has to be a clear reason that companies are attacking single minority women to the point that they weather me XXXX instead of just following guidelines with the FDCPA and the IRS the CONSUMER. Please help inn this matter because I being attacked. There are several CHARGE OFFS and enough is enough I need the title to my XXXX XXXX please.
Consumer complaint received 2024-10-22
Product: Credit reporting 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. (LA)

I identified unauthorized inquiries on my credit report under 15 USC 1681c-2. These are incorrect and are hurting my credit score, so I kindly request the removal of all unauthorized hard inquiries. Thank you.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I use to have a Bank of America bank account until I closed the account due to fraudulent activities as cashing checks that I never wrote, now years later I receive a credit card that I thought I may have applied for I couldn't recall, come to find out it was fraudulently applied for and now Bank of America is saying that my social security is connected to a deceased person. Well I am not deceased I am alive and well and wanting Bank of America to be held accountable for the constant mishandling of personal information.
Consumer complaint received 2023-06-16
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. (MN)

Applied for car said was going to run XXXX and ran all these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Leviton Law Firm, Ltd. (TX)

XXXX XXXX XXXX sent the wrong amount owed to a Debt collector and now the debt collector is harassing and threatening with emails to go to court on this matter. Due to the company being inactive, we consulted XXXX XXXX XXXX due to no assets within the company to sell. XXXX XXXX stated, my company owes him {$6000.00}, and then another email says {$4000.00}, none of which is accurate. XXXX XXXX threatened my company with sending me to a lawyer and send my company to court if the bill is not paid within 3 days. 

I requested paperwork for the actual amount that is owed. My company received documentation through email of the wrong amounts. I continue to request this be corrected and send the correct amount possibly owed on the bill. The documentation received from the XXXX XXXX XXXX website the amount was {$50.00} owed in place of {$6000.00}. 
XXXX and XXXX XXXX refuse to send proper paperwork but instead send false documentation over and over again. 

XXXX continues to harass my company with threatening emails and abuse of his power. I disputed this with the debt collector, and he continues to require the above amounts paid. I would like this debt collector to stop due to the correct amount owed was sent to XXXX XXXX XXXX. My company did not refuse to pay what is owed but the accurate amount is in dispute. XXXX will not provide me with the accurate paperwork either. The emails sent from his office say, I am confused about owing a debt and legal action will be taken.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Swe Homes LP (GA)

I purchased this home back in 2017 with a private lender because my financial situation was not the best and could not get a traditional loan. I paid XXXX down and started making payments. I got insurance on the home and continue to make the payments. The home has not been in the best condition since my family and I moved in it but we could not afford to do anything about it. The plumbing does not work properly and the home is not insulated making for very brutal winters and there is no XXXX  system. Giving that I worked on my credit so I can try to get better living situations for my family I tried to sell the home but my name is not mentioned any where on the tax title. I can not refinance and take cash out to fix the major repairs which the plumbing will cost XXXX dollars which XXXX has already been paid to diagnose the problem of waste backing up into the home. An HVAC system will cost XXXX dollars my entergy bill in insane because of the poor insulation and we have to use propane heaters during the long cold winter to heat only XXXX rooms in the home. These people have not tried to work with me to help me come up with any solutions. They do not care about the people they are lending to and they prey on people who are in need of help and they take advantage of them while they are down. XXXX XXXX is the company and SWE home is who they list their properties with. No one will talk to me to see what they can do to help me and how I can get some help. Refinancing would mean I can work with another lender but they are keeping me from doing that or selling. I should not be responsible for repairs if the house isnt even in my name that is unheard of and criminal if they want to keep the home tied up with their name attached to it then they should make the repairs.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Trustpoint Lending Corporation (CA)

Received a deceptive advertising in the mail, called to obtain the advertised rate within days of receiving the mailing. I have over XXXX credit scores, excellent income, for primary residence for a single family home under 80 % value, so and met all listed criteria and the rate was almost 1 % worse than the mailing. Clearly they are using the mailings for fishing and being deceptive with their advertising.
Consumer complaint received 2022-12-31
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. (SC)

ON XX/XX/22 for the amount of {$380.00} XXXX XXXX XXXX has unlawfully purchased a debt from XXXX XXXX XXXX XXXX, and they have reported this to TRANSUNION without my consent. Violating 15 USC 1681 ( a ) ( 2 ) ( 4 ). ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have never been contacted by XXXX XXXX XXXX nor have I ever had a contract with them. My personal information has been shared among these companies without my XXXX15 USC 1681a ( 2 ) ( i ) ( ii ) ( iii ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information XXXX be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. there has been time i have signed any paperwork with such company. 15 USC 1681e ( b ) ( d ) ( 1 ) ( A ) ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer. Per 15 USC 6802-6805 I the consumer have the right to Opt out of any and all reporting of my information.
Consumer complaint received 2022-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

In XXXX XXXX and XXXX I took out 5 loans. 
The last in XXXX being XXXX. For years navient recommended forbearance and or deferments and when payment was made when not in deferments. The moneys were allocated to loans that did not need payment yet and this caused extra late fees on the loans that were supposed to have gotten the full payment. They told us they divided up the money and dispersed it to all the loans. When asked for a lower payment option we were given an amount that didn't even cover the 12 % interest rate on the XXXX loan. Now 14 years later the XXXX loan is now a XXXX loan. Having the unpaid interest transferred to the principle. This causes interest rate to increase. At one point they claimed I owed XXXX on the XXXX loan due to interest. They have since lowered that number to XXXX. I am not sure why the moneys that we paid only went to pay off the smaller XXXX and XXXX loans with a 4 % interest rate. Also I spoke to XXXX XXXX who says They have my 5 loans including the XXXX loan. And we have been paying them as well. Navient claims my loans are private loans and are different. That is untrue. My loans are Federal Family loans.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

On XX/XX/2021 I settled with the Debt Collector Midland Credit Management On XXXX XXXX and XXXX  XXXX credit cards. I was not informed of my right under the fair credit act that I had the right to dispute the validity of the debts own. My rights were violated and I was tricked out of my money. I agreed to pay for deletion of the tradelines with the companies and they are still reporting on all 3 credit bureau. Midland Credit Management has violated several laws including 18 U.S.C. 1342 and 15 U.S.C. 1692b ( 5 ). 

XX/XX/2021- {$1300.00} XX/XX/2021- {$520.00}
Consumer complaint received 2022-09-06
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. (MI)

XXXX XXXX  is reporting to Equifax as " Paying Partial Payment Agreement '' XX/XX/XXXX and XX/XX/XXXX. Also reporting " Account in Forbearance '' XX/XX/XXXX, during which time the Loan Modification process was still pending. 

Payment information/loan terms are still not correct. Shows a scheduled payment of {$1300.00} with an actual payment of {$1300.00} ; Terms {$1300.00} per month, paid Monthly for 480 months. Billing statements clearly show {$1300.00} due.
Consumer complaint received 2022-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (AZ)

I changed phone service from XXXX to XXXX  on XXXX XXXX and paid a final bill. I was made aware of another final bill the first part of XXXX for XXXX. I called XXXX on XX/XX/2022 and talked for 16 minutes and the person I talked to said she adjusted the account and there would be no final bill. I got another notice from XXXX that there was a final bill for XXXX, so I called again on XX/XX/2022 and talked for 34 minutes and again was assured there was no final bill, now on XX/XX/2022 I received a collection notice from MRS account number XXXX for the amount of {$89.00}. I called XXXX on XX/XX/2022 and talked for 13 minutes, but now they said they can not help me. If I owed a final final bill I would have paid it, this matter should never have gone to collections and ruined my credit rating, I want this matter resolved, I was told twice that I had no final bill, I was with XXXX for over 15 years and was never late with a bill, now after changing phone carriers they send me to collections for a final bill that was fixed twice before by to different XXXX customer service associates. Very poor service!
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-21
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. (CA)

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

XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # Ending in XXXX, XXXX XXXX Account # XXXX, XXXX, Account # Ending in XXXX, has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 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 rep agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency mu make any consumer report containing any of the following items of information Any other adverse item of information, other than records 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 2022-09-07
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: CBC Companies, Inc. (TX)

I formally wrote a Cease and Desist to Innovis on XX/XX/2022. I sent the letter via certified mail, the tracking number is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX website states " Delivered, Left with Individual '' on XX/XX/2022. As of today, XX/XX/2022, the company has not responded to me. Additionally, I have yet to receive the Innovis report I ordered on XX/XX/2022. 

I asked for all original records in this letter, as well as evidence of my express written authorization to Innovis to share my information with unaffiliated third parties. According to the XXXX XXXX XXXX XXXX, XXXX XXXX must tell their customers about their information-sharing practices and explain to customers their right to " opt-out '' if they don't want their information shared with certain third parties. 

The acts of Innovis have directly and indirectly ruined my financial reputation. These actions satisfy the prerequisites for a libel case. I'm asking the CFPB for assistance in obtaining a statement from this business stating why they are harassing me, breaking the XXXX, and ignoring my request.
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

i am writing this due to non-compliance with the ( XXXX XXXX XXXX ). they have failed to remove information that was affiliated with personal details that were challenged in the past. i strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 i ( a ) ( 1 ) ( A ), Can you reinvestigagte the completeness and accuracy of the following accounts below : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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: Resurgent Capital Services L.P. (CA)

Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to XXXX Cards which is reporting a charged off account of in the amount of {$15000.00}. XXXX reporting a charge off account for amount {$17000.00}. LVNV Funding LLC is also reporting a collection in the amount of {$10000.00} I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.
Consumer complaint received 2023-03-19
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. (CA)

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. 
Account name : XXXX XXXXXXXX acct # XXXX, XXXX XXXX Bank acct # XXXX, XXXX acct # XXXX, XXXX XXXX Department acct XXXX XXXX, XXXX XXXX acct # 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.
Consumer complaint received 2022-09-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP (WI)

I have made multiple attempts via certified mail to have Elan provide additional details of this debt- all signed by XXXX XXXX- but no response. I have also made multiple attempts in writing for a settlement offer of 30 % of the {$770.00} amount due just to get this off my credit report. 

I had been working with XXXX XXXX XXXX XXXX which is a national nonprofit agency providing credit counseling and was instructed by my debt management specialist to work out a settlement directly with Elan. 

Due to unexpected medical bills and a divorce, I am facing possible bankruptcy and am unable to pay this debt in full. I wrote them to request their consideration to accept a settlement offer of 30 % of the remaining balance, which would be {$230.00} and asked that my account be reported to the credit bureaus as satisfied in full when the settlement amount has been paid. Elan has NOT responded to any correspondance. 

Please help.