davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.DEPTEDXXXX  XXXX {$5400.00} DEPTEDXXXX  XXXX {$3700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX {$130.00} XXXX  XXXX {$11000.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX XXXX {$830.00}
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.
Consumer complaint received 2020-08-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (MN)

Receivable Management Systems is assigned to handle my medical debts that I am not aware of. I tried to reach RMS via certified mail, but I never got their responses. They have multiple addresses. I have requested them to submit me a verification letter saying I owe two medical debts which I never have received any responses. Then, I have submitted them to delete my medical debts since that they have broken the HIPPA agreement as they did not responded back. The medical debts have been increasing over time while I tried to dispute with them. 

First medical debt : Original debt is {$350.00}, then now it is {$680.00} Second medical debt : Original debt is {$160.00}, now it is {$210.00} Those debts are for XXXX XXXX. I have disputed online that I am not aware about the second medical debt because I dont have XXXX  XXXX in Minnesota when RMS created in XX/XX/2020. It may be a false account to take more money. RMS also have charged me a few dollars every other week to drop my credit points long enough.
Consumer complaint received 2020-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I filed a complaint on XX/XX/XXXX against Santander Bank ID # XXXX, regarding XXXX 's XXXX XXXX. Santander Bank told another person named XXXX XXXX that the account belonged to her. 

XXXX 'XXXX  XXXX XXXX established a business checking account XX/XX/XXXX under XXXX XXXX with two signers on the account ; XXXX XXXX and XXXX XXXX. A branch of Santander Bank took it upon themselves to add a different XXXX XXXX to the account. Attached is a letter from Santander Bank admitting there error. I would like Santander Bank charged with violating the Banking Privacy Act.

By Santander Bank giving this information to another person without verifying with the account owners is a violation against Banking Privacy Act and because of this we need to establish a new  account. In order to establish a new account we must file a " Certificate of Organization for a LLC '' which will cost us {$120.00}, which I would like them to refund to XXXX 'XXXX  XXXX. Because if they had not caused this error we would not be in this situation. 

I have attached the letters and email from the first complaint along with the letter received from Santander Bank admitting to error. 


Sincerely XXXX XXXX XXXX
Consumer complaint received 2020-08-31
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. (KY)

I have disputed information with Experian on 3 separate occasions and have not been given any proof of verified information other than a message saying " information has been verified as accurate ''. The information that has been disputed are for the following accounts. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. The accounts that have been disputed are as follows : 1 )  XXXX XXXX  act # XXXX 2 ) XXXX XXXX act # XXXX 3 )  XXXX  XXXX act # XXXX 4 ) XXXX XXXX act # XXXX Initial formal digital dispute was done on XX/XX/2020 and Experian recognized the dispute on XX/XX/2020 and XX/XX/2020 ( as you will see in enclosed photos from their dispute center the recognition of the dispute, as well as a copy of the initial dispute that was uploaded ) 2nd formal dispute was sent via certified mail on XX/XX/2020 ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 2nd dispute letter that was sent ) 3rd formal dispute was sent via certified mail on XX/XX/2020 ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 3rd dispute letter that was sent ) I have NOT been provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Experian has done nothing more than " update '' information that is not has not been proven to be mine or valid, or " verified '' that the information is correct. I have also enclosed a letter from 1 of the alleged creditors showing that they did not even open an investigation on 2 of the 3 disputes. Therefore, there is NO POSSIBLE WAY that Experian appropriately " updated '' or " verified '' the information they are reporting on my credit report. 
Several of the aforementioned accounts have already been removed from the other credit reporting bureaus for an inability to verify the validity and provide the legally required documentation for support as required by law. Further supporting my claims that Experian is falsifying to me that the information has been " verified '' as it is legally required by law that the creditor agency share the exact same information with all 3 credit reporting agencies.
Consumer complaint received 2020-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I need to change my escrow settings for new property taxes that I owe. It is 100 % impossible to get my loan servicer ( LoanCare ) to communicate with me. Their phone service has no ability to speak to a person whatsoever, it's entirely automated and very limited. I have sent several emails with no reply.

I did not choose to use LoanCare, my mortgage was sold to them without my permission. This complete lack of customer service is unacceptable.
Consumer complaint received 2021-12-30
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. (OH)

XX/XX/XXXX {$1900.00} XXXX Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$380.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX To this day over 60 days later I have not reicieved a response yet. I feel as if im being taken advantage of and being ignored by my disputes. 
Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC Reference numbers ( XXXX ) and would like these above referenced accounts to disappear FAST!
Consumer complaint received 2020-08-31
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. (NV)

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted. 


FOR Experian 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. XXXX XXXX XXXX XXXX Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2020-07-01
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. (GA)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2024-08-06
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: Credence Resource Management, LLC (FL)

On XX/XX/year> I submitted letters identifying the errors on my credit report in hope of resolving the errors. I have provided ample information to identify myself. I have discussed the errors over the phone with the major credit bureaus. I have shown them in numerous instances where the information is erroneous. Please see attached letters. 

On XX/XX/year> I submitted another letter to the FCRA section 611 ( 15 u.s.c. 1681 ( 1 ) and the accepted standard of metro 2 data field reporting. challenging the erroneous data in hope of making sure my credit is in good standing. Please see attached letters corresponding with dates. 


On XX/XX/year> I voiced my concerns regarding the validity and accuracy about recent preliminary inquiry of the accounts reported on my credit report. About 30 days ago and did not get any response.
Consumer complaint received 2021-12-30
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. (CA)

Under 15 US. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 US Code 1681a ( 2 ) ( b ) Exclusions from a consumer report this account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used in this transaction.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE (MD)

Barclays is not applying their cardmember agreement to a purchase I made with my card. They refer to the cardmember agreement ( outlined below ) and I offer my rebuttal to their response. 
Cash Equivalents are defined as : the use of your card or account to obtain money orders ( XXXX is not a money order ), travelers checks ( XXXX is not a traveler 's check ), foreign currency ( XXXX is not foreign currency ), lottery tickets ( XXXX is not a lottery ticket ), gambling chips ( XXXX is not a gambling chip ), wire transfers ( XXXX is not a wire transfer ), person to person money transfers ( including, but not limited to transfers facilitated over the internet ) ( XXXX is not a money transfer ), or the use of your Account to open a deposit account ( XXXX is not a deposit account ) or to transfer value to a stored value card ( XXXX is not a stored value card ) at a location or through a merchant other than a financial institution and any other transaction that Mastercard ( I have requested what Mastercard considers a cash equivalent, and have received nothing ) may designate as a Cash Equivalent.
Consumer complaint received 2020-11-23
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: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2019-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (OH)

I received a debt collection letter from One Advantage , LLC, XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX ( phone # XXXX ) with my name but a different person 's name in the Account Name field. It says that the Creditor is XXXX XXXX XXXX ( M ) and that it's for a date of service of XX/XX/XXXX for {$110.00}. We don't live in Missouri or do business in Missouri. It states nothing of what the debt is for and states that I have been placed in collections. I tried calling within their regular business hours immediately upon my receipt of the notice in the mail ( XX/XX/XXXX ) and I was placed on hold with a voice recording that promised to connect me with a person ( the voice recording was in both English and XXXX  ) and then after waiting it automatically switched me to an answering service stating to leave a message. This sounds like an illegitimate business. The message I left on their voice recording is that I was calling to report fraud. When I looked up One Advantage with the XXXX  there were numerous complaints and it said that it's not an accredited business and that it has only been around for 5 years. It also seems predatory because the XXXX  lists One Advantage , LLC with a Florida address for the business and not the Indiana address on my letter. The fact that I haven't received ANYTHING in the mail prior to this from XXXX of Missouri makes me suspicious. Any company is going to try to bill their own debt first before sending it to a collections company. I have not received any bills and have no idea what this debt is for or if it's even legitimate. The information is vague and I feel like it's a scam since the date of service listed is from 3+ years ago and I have no knowledge of what this is. I open and deal with all of the mail for our household and would have seen a bill and addressed it 3 years ago. The letter that I received from One Advantage , LLC on XX/XX/XXXX states that I have 30 days from the date of the letter ( XX/XX/XXXX ) to dispute the charges. I tried calling to do this on XX/XX/XXXX and I am going to mail a letter. My concern is that I can't send a certified letter to a PO Box . So how do I certify that they actually get my written dispute letter within the 30 day window that they require. There is no place to dispute this claim online with the company. In fact, the company web address has another mailing address listed as One Advantage , LLC, XXXX XXXX XXXX, XXXX, IL XXXX.
Consumer complaint received 2020-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

This complaint is in regards to three employees a part of the US bank branch in Ohio who are a part of the US bank enterprise unit. Today Sunday XXXX XXXX I became aware that XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested for my newly opened US bank account and temporary card which had my funds on to be blocked. The actions that they have acted on were very inconsiderate of the stress that they have caused me. While on the phone speaking to different reps. For hours regards to this matter a representative was able to come to the conclusion that XXXX requested to be the only one to be able to release the hold and not be available to contact on Friday, Saturday and today Sunday. All today XX/XX/2020 I have been talking to reps. At US Bank trying to research why those employees above requested for my funds to be marked as supposedly claiming " Fraud '' to purposely caused me distress and not be able to access my funds. I'm highly upset with this matter and want serious action to be taken against those three employees who have caused me such unnecessary stress during an already tough time for everyone. In the final research that the employees did via over the phone they were able to discover that XXXX XXXX XXXX had put in notes that my previous charged off account was not paid for which is inaccurate information. The previous charged off account was paid for in full in cash at a local US Bank branch located in my resigned State of XXXX California. I was also provided with documentation that shows that the payment had been completed and accepted on XX/XX/XXXX of 2020. Now is not the time for employees like XXXX XXXX, XXXX, XXXX XXXX XXXX along with XXXX XXXX XXXX. To not do the necessary process of research before making a claim all of these issues could have been avoided if they had taken the important steps to do research. Mistakes like such should not have taken place at all especially during these unpredictable times. And considering that us bank is a financial institution a MISTAKE LIKE THIS SHOULD NEVER TAKE PLACE.This very stressful situation has changed my whole experience and perspective on continuing banking with US bank.
Consumer complaint received 2020-08-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (CA)

I leased a XXXX XXXX XXXX with US Bank. I have returned the car almost 2 months back. Have not received the deposit / excess payment I have done of {$5500.00}. My account number is XXXX. My Name is XXXX XXXX.
Consumer complaint received 2022-10-27
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. (CA)

I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. 


They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 


Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK (FL)

Hello, I had a second mortgage with Discover and sold the property. The second had a pre-payment penalty before making 12 payments starting XX/XX/XXXX. The property was sold in XX/XX/XXXX.

I recieved a mortgage statement for XX/XX/XXXX that clearly states no pre-payment penalty on the statement.

I was charged a {$480.00} pre-payment penalty. I called discover and they told me that if I was refinancing I would not have a penalty. But selling the property I do have penalty.??? My paperwork says no pre-payment penalty after 12 months of payments. Which I did make. This is rubbish trying to pass the buck based on tricky language. Either you have a pre-payment penalty or you do not. I did as my paperwork said, and reflected on my most recent statement. Please send payment to me accordingly.