davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (TX)

Never received notice of collection nor proof of debt/breakdown of fees. Disputed w credit bureaus but never received response for request of debt validation. Has caused extreme damage to credit report. I want proof of debt including all names of contact, dates, what was sent and to whom & also written contract that states this can be reported. I also need original creditor info and alleged date account opened and closed with them. Also need information if any and all other creditors whom attempted collection on this alleged debt and how much debt was sold for and date sold, these are my rights under fcra. This collection was removed from XXXX but not XXXX or XXXX. 
I consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : lockhart morris and Montgomery 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 I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you al- low me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountabili- ty Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXXXXXX XXXX XXXX  to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as fol- lows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GOLDMAN SACHS BANK USA (AK)

Sometime in XXXXXXXX XXXX XXXX I reported a card account that had been opened that I did not open. They said they would take care of it. They never did. I called back almost monthly for XXXX months trying to get them to cancel or close the account and remove my information. I did a police report and an identity theft report with federal trade commission. This card wasnt even linked to my XXXX account but it was an XXXX credit card which made even less sense. They wrote it as a charge off implying it was my account. But I dont even have the card and they wont give additional information on shipping addresses to file a more proper report. They refuse to send any documents to me at my actual address. I have XXXX knowledge of this account other than it is on my credit report.
Consumer complaint received 2023-04-23
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. (LA)

I sent a dispute notice to Equifax concerned about the violation of inaccurate information on my consumer report. 
15 USC 1681s-2,15 USC 1681a 2 ( A ) ( i ), ( A ) subject to section 1681s-3,15 USC 1681 ( d ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Chargeoff According to 15usc 1681s-2 -- - Prohibits furnishers of information to report anything that they know is inaccurate or have reason to believe is inaccurate how can I not dictate what gets reported. 
Account name XXXX XXXX XXXX  Account number XXXX Account Name XXXXXXXX XXXX XXXX Account number XXXX
Consumer complaint received 2023-04-23
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: LEXISNEXIS (IL)

So I requested a consumer disclosure report from LexisNexis. I then received a letter from LexisNexis with a code that I should utilize when trying to retrieve my consumer disclosure report which will expire in 30 days. After several attempts not being able to log in. I reached out to LexisNexis regarding this with no response! Are they refusing to provide the necessary information to retrieve my report. Also it has come to my attention that LexisNexis automatically sells your information to XXXX, XXXX AND XXXX. How is this possible without my permission?
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (FL)

Disputed account information via credit bureau. Company did not provide validity of original contract with XXXX XXXX. Company took legal action in 2013 for the amount of XXXX plus legal fees. Has called my home and workplace repeatedly after being asked to cease and desist.
Consumer complaint received 2016-10-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NY)

I leased a vehicle in XXXX and the lease was serviced by US Bank. At the end of the three year lease I decided to purchase my vehicle. I took a car loan with XXXX for the payoff amount and a check was issued to US Bank on XXXX/XXXX/XXXX for the purchase price of the car plus the sales tax due on the purchase of the car. I knew I had purchased the vehicle ; however I never gave any thought to the title. Out of sight out of mind, as the saying goes. 
I decided to trade in my car this month as I have had major costly mechanical problems this year. At this point I realized I never received the title for the car when I purchased it in XXXX. I called US bank on XXXX XXXX, XXXX and explained that I had never received my title. They confirmed the check they had allegedly mailed to me with the title was never cashed. I explained I was selling the car and needed the title as soon as possible. I called again on XXXX XXXX, XXXX XXXX the customer service representative stated US Bank would need to send me a letter, requesting {$55.00} to cover costs of securing my title. I was advised the {$55.00} was to cover the cost of mailing the title & check priority shipping. I became very upset as I was informed I could not pay over the phone with a credit card and the letter had not been mailed as of XXXX XXXX. I reiterated that I needed the title urgently and expressed my opinion that my title was being held hostage by US Bank. The did not send the original title by certified mail, why should I have to pay {$55.00} for a title they were responsible for sending me 3 years ago? The customer service representative stated they sent a follow up letter in XXXX, again not registered or certified. It is highly unlikely XXXX very important pieces of mail from US Bank would get lost by the US Postal Service. I truly believe the title was never sent. It is now XXXX XXXX ; and I have yet to receive the letter from US Bank. I have obviously lost the car I had negotiaited to purchase, but even worse I am paying a car loan for a vehicle that is not being driven because of serious mechanical problems. It is disgraceful that US Bank accepts no responsibility for a ball they dropped almost three years ago. What do I need to do to secure my title and the check for the sales taxes that they have had for almost three years? I am desperately in need of some assistance to secure the title and the sales tax payment. Thank you in advance for your help.
Consumer complaint received 2023-04-23
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. (MO)

Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 3 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-23
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX You are In Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.c 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (WA)

I received an AMEX gift card worth {$30.00} thru XXXX as compensation for additional parking that I had to pay during my trip to XXXX XXXX in XX/XX/XXXX. 

Card # : XXXX XXXX XXXX Security Code : XXXX Expiry : XX/XX/XXXX No one told me about the fine print and that I will lose the amount via monthly {$3.00} fees after 6 months of issue It is written at the back of the card but I am XXXX and there is no way I could have easily read that. 

I recently tried to use it and that is when I realized that the entire money has been wiped out via monthly fees. I tried contacting Amex couple of times last year when I found that and also tried calling them again today at XXXX ( XX/XX/XXXX ) and they said that they can not issue a new card for the lost money.
Consumer complaint received 2023-04-23
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. (VA)

XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX  ) 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.c 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-04-10
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. (AL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-04-23
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)

Experian illegallly assigend an account to me with out proving authenticity and accuracy. XX/XX/2021 actual amount paid is missing ; What is the scheduled payment amount for XXXX, what is the high balance? What is the monthly payment? Balance for XX/XX/2021 is missing? Delete this account immediately.
Consumer complaint received 2023-04-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Driveway Finance Corporation (MI)

I am writing to express my deep concern about the current situation regarding my purchase of a XXXX XXXX account # XXXX from XXXX. I have been receiving statements for missed payments, despite not having received the car or the title. 

I purchased a car from your dealership, and at the time of purchase, I was informed that the car would be delivered to me within a few days. However, it has been several months, and I have yet to receive the car or any information about the status of the delivery. 

Additionally, I have not received the title for the car, which is necessary for me to register it and legally drive it. Without the title, I can not legally take possession of the car, and I am concerned that I will be held responsible for any damage or accidents that occur involving the car, despite not actually having possession of it. 

I have tried to reach out to your dealership multiple times to resolve this issue, but I have not received any response or assistance. As a result, I have been left in a difficult position, with statements for missed payments but no car or title. 

I hope that you will take this matter seriously and work to resolve it as soon as possible. I expect to receive the car and the title promptly or a full refund of my money paid for the car. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-10
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. (IL)

My credit report score was being reduced every month by 1-4 points for low credit utilization since I pay my card off daily. To counteract that I used 15 % of my credit to recoup those loses to my score. Experian then reduced my score by XXXX points. Bringing me from XXXX down to XXXX. I filed a dispute with them and they gave me back XXXX of the XXXX points putting my score to XXXX. The hit was unfair and outside of their guidelines on credit utilization. I want the full points back and the credit bureau to hold these companies accountable for their inconsistent and opaque scoring practices that impact consumer borrowing costs.
Consumer complaint received 2023-04-10
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. (IN)

I recently received a copy of my Experian, XXXX and XXXX consumer report, and it has come to my attention that the company is reporting my transactions with their company to the consumer report. 

XXXX XXXX XXXX LATE PAYMENTS : XX/XX/2022 ACCOUNT # XXXX This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my consumer report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX is in violation of 15 USC 1681.
Consumer complaint received 2016-02-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AR)

Submitted modification application in XXXX to my mortgage company Ditech. I have place numerous call and sent email to obtain my status and nothing. I received constant runaround all the while the clock is ticking and I am falling further behind with my payments. It seems as though the company is trying to reach foreclosure as they are certainly not trying to help me with this process.
Consumer complaint received 2023-04-23
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. (PA)

Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america, This is a continue with complaints XXXX : On XXXX. XXXX, I went to a branch of bank of america to check if the fraud claim has any update. They said they already send the money back to my account, but the account is still blocked, they ask me to opened a new account and transfered all the money from the previous account to the new one. With the help of a banker there, I opened a new account and transfered all the money from the previous account. Because the last fraud may be related to my phone number, so I changed to a new phone number, and the new account was profiled with the new phone number, and also new email. The banker also asked me what is my primery contact method. I said email, the new updated email. 
On XXXX, XXXX, XXXX, I received a email with the old email, said my alternate contact phone number has changed to the old one. Then, aonther email said XXXX is ready to use with the old phone number and my new account. Then I tried to reset the password and that moment and logged into the account to delete the reciptant, but the transection still happend. {$3000.00}, again. 
Then I called the bank and they said they can not identify me, I have to go to their branch. 
I can not believe that this happend twice in two weeks. I need the money back, and I need to know how did this happend. Also I need to know if there is any way to block XXXX  transaction. It is very unsafe.
Consumer complaint received 2023-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023, a fraudulent hard inquiry was pulled on my credit report with Transunion. I did NOT authorize this credit inquiry or hard pull of my credit report by a XXXX XXXX XXXX called XXXX. I called Transunion and tried to explain to the fraud department that this hard pull was fraudulent and not authorized. The person I spoke to at the fraud dept was not helpful or professional at all. The person barely spoke any English. Refused to file a fraud claim on my behalf. 

NOTE : I called XXXX myself to report this as a fraudulent hard credit inquiry. Their credit dept refused to assist and directed me to call the fraud dept at Transunion.