davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (FL)

Credit management company is reposting in my XXXX credit. I have requested information from the company. That I have not received. I believe this medical billing item is incorrect I would like to assert that the presence of this medical billing on my credit report violates my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). HIPAA mandates the protection of an individuals medical information, and it restricts the disclosure of such information without explicit consent from me. Therefore, the reporting of this item raises significant concerns regarding the disclosure of my private medical information and my privacy rights.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2024-08-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PACIFIC SOUTHWEST NOTE FUND, LLC (TX)

My father and I bought this property in XX/XX/XXXX ... My father XXXX XXXX XXXX died in XXXXXXXX XXXX XXXX... I live on XXXX payments, so could not make payments without him. TRIED TO SELL, as we lived as Joint Tenants w Rights of Survivorship, I thought the Deed would just transfer to me. It didn't. So, I saw no choice but to file bankruptcy to stop foreclosure... had to have that dismissed after 14 months ( could not keep up those payments either ). Then I filed for a 6 month protective order, which was granted ... and started a Probate case for my dad 's estate. Found handwritten will. Probate lasted 10 months. Kept attorney for noteholder informed of probate process. Upon receiving Order granting me full ownership, I tried to close a sale ( buyer was waiting for probate to finish ). Title company said there was a foreclosure on record, from XXXX of XXXX ( during the midst of the probate ), so I couldn't sell. This cost me {$45000.00}, which is what I would have made from the sale, after paying off the noteholder. Foreclosure of property in probate is illegal in Texas. Tried speaking with attorney, tried speaking with owner/rep of PACIFIC SW NOTE FUND, LLC... but attorney insisted he did nothing wrong, even though he had told me - four months after the supposed foreclosure sale - that he had not yet filed the Trustee 's Deed, so it could be " undone. '' I was served with eviction papers last month ... just lost " trial '' in JP Court ( even though I should not have ) and am now APPEALLING to Circuit Court. Trying to Counterclaim for Wrongful Foreclosure, but the JP didn't even acknowledge my Answer, let alone the Counterclaim. I'll send you the document so you have ALL the information- it's kind of a long explanation, but necessary. I would appreciate anything you could do ( and I'll give you a great review on XXXX, just for trying ). XXXX
Consumer complaint received 2024-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my accounts. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my accounts to reflect the accurate payment history. They explained that they sent the statement to the wrong address that caused the late payments to be incorrectly reported. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Recently, I did an investigation on my credit report and found several items to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, & shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, after any reinvesogation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following item from my credit report, immediately : [ XXXX XXXX XXXX XXXXXXXX XXXX ] [ XXXX ]
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. XXXXThe following are the inaccurate information reflected in my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

On XXXX XXXX our checking account was fraud, the amt of {$2800.00} was withdrawn by XXXX XXXX. This was not authorized by us. I called US Bank, was transferred to the fraud unit. Checking acct was closed along with our credit cards. New checking acct opened along with new credit cards issued. On XX/XX/XXXX XXXX of the new cards was frozen due to someone calling & trying to get a new card. This was denied. Again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XXXX changes were made on our online banking accts, we didnt make any of these changes. Finally on XXXX we were cleared to set up online banking again. Forward to XXXX while checking our accts there was a withdrawal for {$930.00} to XXXX. I notified our branch bank to investigate. On XX/XX/XXXX our checking acct was completely emptied of {$19000.00} to XXXX Us we did not authorize either of these! Contacted the fraud unit on XX/XX/XXXX. Information was given, many questions asked which I answered, our checking acct was frozen! We were told to go to the branch office to set up a new checking acct. which we did! Weve done everything asked of us during this entire ordeal to protect our account and shocked when opening the account on XX/XX/XXXX and horrified on XX/XX/XXXX to find the acct empty!
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite four previous attempts to rectify these issues directly with the credit bureaus and creditors, the fraudulent items remain uncorrected and continue to damage my creditworthiness. This letter marks my multiple attempts to resolve these issues, and I am in desperate need of your intervention.The continued presence of these fraudulent items on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute and correct inaccurate information. The persistent inaccuracies are causing significant harm to my financial standing, and I am prepared to take legal action if necessary. Please conduct a thorough investigation into this matter and facilitate the immediate removal of the fraudulent items from my credit report. I request written confirmation once the deletion have been made. Kindly help me remove the following items immediately : 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 XXXXXX/XX/XXXX.
Consumer complaint received 2024-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

U.S. Code 1692e. False or misleading representations Under Fair Debt Collection Practice Act A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. CMRE FINANCIAL SERVICES needs to make every reasonable effort to meet their consumers ' needs, ensure its practices adhere to all federal, state, and local laws, and act with high ethical standards and professionalism. As such, CMRE FINANCIAL SERVICES , INC LOCATED AT XXXX XXXX XXXX, XXXX OH XXXX. I XXXX XXXX XXXX logged into my credit report and noticed a deceptive and suspicious alleged account on the credit report. This alleged account needs a thorough investigation 15 U.S. Code 1692g - Validation of debts Fair Debt Collection Practice Act All provisions. The Fair Credit Reporting Act, All Provisions including 15 U.S.C. 1681, Privacy Act, XXXX XXXX XXXX Dispute any and all alleged debt claims owed to XXXX  XXXX XXXX XXXX. No debt collector shall collect or attempt to collect any debt alleged to be due and owing from a consumer by means of any unfair threat, but are not limited to, the following : Making false accusations to another person, including any credit reporting agencies, Threatening to sell or assign, or to refer to another for collection, the alleged debt of the consumer with an attending representation that the result of such sale, assignment or reference would be that the consumer would lose any defense to the debt or would be subjected to harsh, vindictive, or abusive collection attempts, Representing that nonpayment of an alleged debt may result in the XXXX, garnishment, attachment, or sale of any property or wages unless such action is in fact contemplated by the debt collector and permitted by law are demanding proof in writing on this alleged account to ensure they are complying with the law. According to F.D.C.P.A debt buyers are required to notify you when they report negative information to a CRA, please under 1692g provide a purchase agreement so a true accounting bill can be produced as your practice violates the FCRA. Please understand I am not asking for proof of just name or address because that is not what is in question and in keeping in compliance I need full discourses and wet autograph providing permissible purpose of consent. XXXX XXXX XXXX is demanding delete/remove from all credit reporting agencies to avoid running this risk of not being creditworthy Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Metro Collection Service Inc. (OR)

I have called the company several times, trying to get any information about how to deal with this debt or to make payments. I never got any information about being able to dispute. Now at this point, I have to deal with XXXX the XXXX from the company who hangs up when asked certain questions about the debt.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm a 100 % XXXX veteran and victim of a natural disaster. Despite numerous requests XXXX XXXX refuses to correct late reporting sent to the credit bureaus during an extension period. Further it has incorrectly marked me 30 days late for months I wasn't because of delays in their system which is no fault of mine. If this isn't resolved with XXXX reversal of late reporting my attorney will be initiating civil litigation.
Consumer complaint received 2024-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Someone opened a Kohls credit card account under my identity on XX/XX/year> with an {$800.00} credit limit and used {$730.00}. Was alerted by my bank and XXXX regarding this inquiry on my credit report
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. The dispute items do not belong to me are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (SC)

I am concerned about an increase in my escrow account which results in a higher payment each month. The only thing that is paid from my escrow account are my taxes on my house. The problem is that my previous company, before my loan was sold to my current company, increased my escrow last XXXX. The current mortgage company did an escrow analysis in XXXX and said that my escrow/payment has been increased as of XXXX. The taxes are paid until XX/XX/XXXX, but the mortgage increase begins XX/XX/XXXX and will continue until XX/XX/XXXX when they do another escrow analysis. This company requires an escrow cushion of double the amount that would be necessary to pay the taxes. It seems unfair to require an increase 5 months before the tax due date because the taxes are already paid for XXXX. It also seems unfair to require a cushion of double the amount necessary to pay the taxes. The example on their website says if you are short {$500.00}, your cushion would be a {$1000.00} increase. Why should the mortgage company be allowed to use a consumer 's money for 5 months before it is due and then continue to take in double the money necessary for the next 12 months?
Consumer complaint received 2016-01-06
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: 21ST MORTGAGE CORP. (MI)

I applied for refinancing on my mobile home loan through 21st Mortgage. XXXX suspicious things occurred. The first one involves the reason I applied for refinancing. I saw a sign outside another trailer park offering a 4.93 % mortgage rate in big letters with 21st mortgage 's insignia on it and this rate was confirmed by the XXXX XXXX XXXX XXXX XXXX staff. When I applied for refinancing from my 9.9 % mortgage, they told me that the lowest rate for financing for all credit scores was 10.8 %. I asked 21st mortgage company if they knew about the sign and they said that it was false advertising and it did n't exist. I took a picture and sent it to them and received no response. The XXXX XXXX XXXX XXXX XXXX told me that 21st mortgage provided them with the sign to put up. The second suspicious moment occurred when I was denied a refinancing opportunity and I received an email stating that I could restructure my loan if I paid them {$2000.00}. When I asked what was meant by that statement, the agent, XXXX XXXX, refused to elaborate and said he would take care of it. I got denied refinancing and he asked for money. Is n't that fishy? I do n't know what that means. It seems to me that something either I do n't understand is going on or the company is trying to take advantage of people.
Consumer complaint received 2024-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXXXXXX XXXX XXXXXXXX Balance : {$280000.00}
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-08-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Self Financial Inc. (UT)

I opened an account with Self a month ago. I don't have money, so I don't know why I did that. I was planning to have money by the time the first payment was due today, but about a week ago when I noticed I would definitely not, I tried to close the account. The app doesn't have an option for this. The FAQs don't explain either. So I sent in an email and they sent an automated message saying they would get back to me soon. They haven't and now my first payment is due today and I don't have money. I don't technically owe them, because I haven't borrowed from them. It's just a savings account with due dates, but I'm still worried that not paying may lower my credit score. I just want to close the account, but the company has made it near impossible. I just want them to let me close the account.