davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
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: WAKEFIELD & ASSOCIATES, INC. (GA)

Wakefield and Associates is in violating HIPPA right by reporting a debt by XXXX XXXX. I went to the doctor for a very personal matter and I do not appreciate ever person/company that looks at my credit report to know about my visit to the Hospital. It is very humiliating and embarrassing. I am prepared to take legal action against Wakefield and Associates for causing me emotional distress and violating my rights. At this point it's not the measly {$730.00} it's about the fact that they are displaying my personal health for the world to see.
Consumer complaint received 2021-11-04
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: Experian Information Solutions Inc. (FL)

please be advised, Ive been a victim for identity theft. Ive seen a number of fraudulent things on my credit report. 
XXXX XXXX  ( XXXX  ) Whom Ive never done business with or entered into a signed contract. This account is fraudulent.
Consumer complaint received 2024-08-24
Product: Credit reporting 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)

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( XXXX XXXX XXXX ) XX/XX/year>
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (CA)

I was XXXX  in 2019 and had a large bill resulting from that. Insurance took a while to cover it, but they did eventually and so I shouldnt even have this debt in the first place. Ive provided proof that my insurance paid out everything that theyre asking for but Ive been harassed incessantly ( called up to 5x a day ) for a year or more now. The debt collection company also keeps changing, the last one I remember was CMRE Financial and the current one is XXXX XXXX XXXX.
Consumer complaint received 2021-11-03
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. (TX)

I was in a forbearance plan on my mortgage with XXXX in 2020. Per the Cares Act the mortgage was not to be reported late. I have no reported lates for 2020 on XXXX or transunion. The Experian report shows no lates until XX/XX/2020. The month I paid off the mortgage. I have called XXXX and get no response after putting in a complaint. I have disputed with Experian several times and each time a new error pops up. I have been denied a mortgage due to this error. Im told my report shows my payment is $ XXXX per month. Experian refuses to fix any errors and neither does XXXX. Im being harmed financially waiting another year to buy will put homes out of reach for me.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

I applied for credit with XXXX. XXXX stated that I had a fraud alert on either XXXX or Transunion. Both XXXX and Transunion informed me that I did not have a fraud alert when I called them. After reapplying with XXXX, which I've been using since XXXX, I discovered that I had a fraud alert on my Transunion account. I accessed the Transunion website to verify the situation. The website has been having issues for several weeks now. The website is unable to load information and is displaying an error message, prompting users to try again later. I attempted to contact the Transunion help line, but the automated service resulted in a back-and-forth exchange. I was on hold for XXXX minutes, then the call dropped. When I returned the call, they again placed me on an extended hold. I feel as though no one is employed by this company, and the website is truly appalling. 

Shareholders own the publicly traded companies that operate the credit bureaus. Why do they have such a profound influence on the lives of veterans? They are the same courageous individuals who have sacrificed their lives to ensure our freedom to live peacefully. The credit bureau reports are a growing nuisance in the consumer 's financial life. Their actions and neglectful behavior can significantly impact our financial needs. 
Starting in XX/XX/XXXX, I took several steps to get them to investigate and fix the issue. The credit bureau customer service department needs to provide better service. Their lack of care has significantly impacted my ability to secure a loan from XXXX. This loan is to purchase a plane ticket to travel to XXXX XXXX for care. I called today, XX/XX/XXXX, at XXXX, as their website indicates that they are open XXXX days a week. When I reached out to the fraud alert department, they requested several pieces of information to verify my identity, but ultimately informed me that they were closed. This system is unfair, predatory, and life-threatening, as it prevents me from obtaining a loan to purchase my airfare.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (WA)

Applied for Chase amazon visa in XX/XX/2021. I never received the credit card. I was unable to create an account to pay the bill because I need the credit card number to create and account and I had never received the card. I called Chase and gave them a different address. Again, the second card was also not received. I have a two line address as i utilize a po box . Unfortunately Chase 's system is so antiquated that it can not produce a statement with a two line address. As you can see from the attached that they have both lines of my address but only one line was utilized each time.

I called chase again and they said the second card had been returned. I verifies the correct address and asked them to send me statements as I was unwilling to make payment until I could conform that the charges on the statement were indeed mine and not fraudulent. This is a perfectly reasonable expectation.

The credit card company should be competent enough to provide me a statement before expecting payment. Chase filed a negative report with the credit bureau alleging late payment. Due to Chases incompetence i was unable to pay the balance on the card. Case has said that USPS says my address ( es ) are not valid. The address is valid. They way Chase entered the address is not valid. As you can see from the attached they have the correct address they are just unable to use both lines of the address. The correct address is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Both lines need to be utilized in order to ensure delivery. Again, the attached proves that Chase has both lines of the address they are just unable to competently complete my address in their system.
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

I dispute the collection agency online with XXXX and they sent back verified with updated information. I sent a debt validation on XX/XX/2021 to Credit Control with no response. Then I sent another pay to delete letter to them on XX/XX/2021 and still no response from the collection agency. Today, I am sending out letters to the all three credit bureaus to see if they can provide more information because I am not getting any answers.
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (UT)

We receive foreclosure documents from XXXX and their attorney XXXX XXXX  XXXX again on XX/XX/. This happened 16 months ago. We sent them a letter and documentation stating that they did not have the rights to the property could not to foreclosure on it. We also stated that the loan was satisfied. Now again they have a sell-for date for XX/XX/. This came completely out of the blue and with no communication ( other than that letter ) for 16 months. We believe this foreclosure is illegal for two reasons. 
This long loan was satisfied years ago. We continue to pay on the loan even after it was satisfying because we were not informed that it was. Would like to know where those payments went. 
We also believe that they don't have the legal right to foreclose the loan because of improper paperwork. They discount these facts as a red herring or us trying to just cause problems with the loan but we believe rule of law is important and proper documentation is crucial and these matters. We believe that because they are not the proper servicing agent is the reason it has been so hard to get verification and documentation. When we do receive documentation sometimes it's different from what they sent the time before and sometimes it's different from what was recorded with the county. 
We feel that there have been strange things going with This file. Every time we ask for clarification we have been sent to or contacted by departments that the regular departments could not identify. To use an old adage we feel we are being railroaded mainly by Chase as the server of the loan. 
We are afraid of losing our home and all the equity in it. We believe that the loan was satisfied essentially twice. 
We demand that this foreclosure be stoped and this loan reconveyed now. 

XXXX and XXXX XXXX.
Consumer complaint received 2024-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (TX)

The loan was made at annual interest rates greater than what is permitted by state law and the lender did not have a license to lend when one is required, making the loan illegal, deceptive or unfair under various state and federal laws.My loan amount is {$700.00} the total payout is XXXX, the annual percentage rate is 779.85 %, the dollar amount of the finance charge is {$2900.00}.
Consumer complaint received 2021-11-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

At the time of my payment being due I spoke to lender reps about other options I had to freeze payments for a bit, bc of the reason that my home income dropped during COVID. I went from 2 incomes to 1 income, and was struggling a lot to make payments. I asked for help and was told I could only get that help when the other borrower gave permission. However, I have told them repeatedly that the other borrower is no longer around, and there is no contact with him. I have been the one making the payments each month for several years, and on time. I can't help that our household income dropped to 1 only, nor that the other borrower isn't available.

Navient refused to help me without the permission of someone not even making the payments. It is my bank acct they have been pulling from for years not his. I asked if I could speak to someone higher up, and they said " the same info would be given ''. So I was refused any help. I explained to them, " Ok ... since I am not being given help, and the situation I am in is out of my control... you are giving me no choice, but to not pay at all. '' They responded with, " Okay, ma'am I understand. '' I told them to note that is the reason why they will not be getting a payment from me for a while, since they will not help me out. 

I keep getting calls non-stop and on several occasions have told them same thing ... : '' I need help with making my payments, and Navient won't help unless I get permission from other borrower. So basically you would rather not get a payment at all than help me out so I won't fault on my payments ''. They said, " That is correct ma'am... we need permission from the other borrower ''. 

I was never once offered the COVID relief program throughout the whole time of paying. I managed to pay them as long as I could, but when it came down to needing the help Navient refused to help me. I am now behind over XXXX. I just made a payment of a little more than 300, which will hurt my situation a lot.
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the MIDLAND CREDIT MANAGEM XXXX still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account right away.
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracy on my Credit Reports. This account, ENHANCED RECOVERY CO L XXXX, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Consumer complaint received 2021-11-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified account, AWA COLLECTIONS XXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (WA)

I incurred a hospital debt for XXXX from XXXX XXXX XXXX XXXX. The date that this was incurred was XX/XX/XXXX. At that time I was under a financial grant from XXXX  to cover 95 % of my debt. About 6 months later I started receiving collection notices from americollect collection services. At the time I started receiving these notices I was unemployed due to covid so I had no money. In XXXX of XXXX I went back to work. I at that time contacted americollect to let them know about my grant so I could settle this debt. They told me I had to e-mail them a copy of my grant. So I went through the trouble of going to the hospital to get a copy of the grant then e-mailed it to them. I was told to call back in a couple of weeks so they could get it and log it. When I called back they are now trying to tell me that the date incurred was actually XXXX and would not be covered by the grant. This is not true. I did not have a hospital visit in XXXX. When I researched this debt with both XXXX and XXXX. The date listed as date of service is XX/XX/XXXX which is correct. So I should only owe Roughly {$30.00} of the XXXX they say I owe. I want to get this off my report but am not willing to pay them the XXXX when I don't owe it. Thank You
Consumer complaint received 2021-11-04
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. (LA)

This is a follow up from XX/XX/2021 from the initial complaint made by me consumer and the natural person which was delivered certified mail tracking number XXXX which was delivered XX/XX/2021, and as of XX/XX/2021 Transunion still hasn't resolved this situation and is in violation of federally protected consumer laws pursuant 15 usc 1692 and are now criminally and civilly liable. ive sent an notarized follow up affidavit of truth stating fact under penalty of perjury via certified mail tracking number XXXX which ive attached also and if they still do not resolve i will be seeking legal suit
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-04
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: Convergent Resources, Inc. (FL)

please be advised, Ive been a victim for identity theft. Ive seen a number of fraudulent things on my credit report. 
1Convergent Outsourcing ( XXXX  ) Whom Ive never done business with or entered into a signed contract. This account is fraudulent.
Consumer complaint received 2021-11-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC (FL)

XXXXirst Source is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. First Source has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 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 under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates ; First Source has been reporting to all 3 credit bureau Since 2019. First Source clearly has had accesses to my account since XX/XX/2019 but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.