davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 provides important protections for consumers ' privacy rights.

604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681b ( a ) ( 2 ), states that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written consent for such disclosure.

Section 1666b of Title 15 of the United States Code prohibits creditors from treating a payment as late for any reason under an open-end consumer credit plan. 
My rights to privacy and consent have been violated.
Consumer complaint received 2023-04-11
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. (MS)

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 XXXX XXXX XXXXXXXX 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 2022-12-20
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. (CA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Business and Consumer Solutions. (GA)

For a collection account with XXXX XXXX XXXXXXXX, I paid FBCS Consumer Contact Solutions {$770.00} on XX/XX/2023. As a result, I received a file number of XXXX and a confirmation number of XXXX. XXXX XXXX, who works for FBCS, firmly stated that I would not receive any other numbers than those mentioned above. The woman refused to provide me with a written confirmation that this account was paid in full since I am refinancing my home. When I asked if there was anyone in the company who spoke XXXX, she replied that no one spoke it. 

It is causing me hardship as I have paid my collection account in full and this person refuses to update it.
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

ON XX/XX/2023, bank of America has closed my bank account. I still had XXXX $ remaining inside the bank account that has not been returned to me after they closed my account. They told me they were going to do investigation to decide whether my money was obtained through fraudulent activity. I complied with this investigation and send them documents of my money source, my XXXX transaction records, my currency exchange details with the third party who send me money. 

This investigation lasted for 3 months, until XX/XX/2023, today, Bank of America send me an email, said they found my money were obtained through fraudulent activity and they refused to return me my money. In this email, they did not said how did they reach this decision, and how are they going to deal with this XXXX $ if they are not going to return it back to me. And if they determined this is fraud, who was the person XXXX fraud? Who is the victim? I ask these question because I know it is not a fraud and I can provide them documentations to prove that, but I don't know whether they considered it or not. 

In fact, it was money send through wire transfer from my parents in XXXX, in XXXX currency. I was exchanging this currency with another student I knew from school. And each time I send him XXXX currency, he XXXX  me dollars through online banking. We went on multiple transactions back and forth like that and the total amount is about approximately {$10000.00}. I don't know how can this activity be decided as fraudulent and I need that money from my parents to support my own life as an international student. 

They are looking like they just going to take money from my bank account using their authority.
Consumer complaint received 2023-12-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

Today I noticed that I had an account in collections for Rent Recovery Solutions for The XXXX apartment complex in XXXX. I have never lived in XXXX and have been in a house for over 7 years. When I contacted the debt collection agency as well as the apartment complex it was confirmed that the social security numbers did not match and neither did our middle names or license number. I really need this corrected and off of my name.
Consumer complaint received 2016-10-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: STUDENT ASSISTANCE FOUNDATION (AZ)

I had student loans with XXXX XXXX back in XXXX. My daughter was XXXX years of life. XXXX XXXX had allowed me to defer my payments for 6 months, after which I had started making payments again. After making payments for another 6 months, but because My husband and I were struggling financially due to all the hospital bills, I contacted a representative with XXXX XXXX and was told I could defer my payments for another 6 months this was in XXXX. It would allow my husband and I to get financially situated so that I could start paying off my student loans. In that course of 6 months my loans were Sold off to XXXX ( Formerly XXXX XXXX ) and Students Assistance Foundation. In XXXX my tax refund was taken from me to pay off the student loans which I had assumed went to XXXX XXXX. I did not receive any correspondence regarding my loan had gone into default and was being collected by these XXXX collection agencies. Now on my credit report it shows those 6-7 months of deferment as being late payments with Collection agencies for 90 days and 120 days late plus interest. I have since sent certified letters to both Student Assistance Foundation and XXXX requesting requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them along with proof of late payments, i.e cancelled checks or statements of scheduled payments. This was sent to them Via Certified Letter on XXXX XXXX, XXXX.Student Assistance Foundation responded with a computer generated printout called Loan Reconstruction Spreadsheet. ( please see attached ) Nothing that shows validation showing my signature. XXXX has not responded to any of my correspondence, and has my Student loan listed as a charge off on my credit report. this loan has been paid in full since XXXX XXXX. I was never late with either of them and neither SAF or XXXX is licensed in the State of Arizona where I reside to collect on a debt and charge interest, which is required in the state of AZ. I would like Both SAF and XXXX to be investigated into this matter, since both Collection Agencies have neglected to correspond with me correctly according to FCRA Section 623 ( a ) 3, and FDCPA section 807 ( 8 ). I asking said Collection agencies Student Assistance Foundation and XXXX remove the inaccurate reporting from my personal credit file.
Consumer complaint received 2023-11-03
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. (NC)

In reviewing the attached credit bureau report issued by XXXX BUREAUS, I have discovered an error. The following accounts are reported inaccurately : 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 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 Equifax 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
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

On XX/XX/XXXX, I have been on hold or unsuccessfully transferred for over XXXX hours. Ive attempted to reach the correct party on XXXX separate phone calls and have been disconnected once even after authorizing them to call back in case it gets disconnected. Whats the purpose of this feature if you wont call back??? This customer service is DEPLORABLE considering the amount of money involved. I need a refund of the interest Mohela has been collecting despite being under an administrative forbearance since XXXX.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

XXXX is reporting a charged off collection with a third party service i do not have a contract with those third party servicers such as XXXX and XXXX, and resurgents these are now by law CERTIFICATES OF INDEBTNESS AND IS BEING REPORTED AS INCOME AND ACCORDING TO THE LAW THIS IS ILLEGAL I HAVE NO LIABILITY TO ANY THIRD PARTY COLLECTOR I WOULD LIKE FOR THOSE TWO COMPANIES TO PROVIDE ME WITH AN ORIGINAL CONTRACT BETWEEN US THAT PROVES WE HAD AN AGGREEMENT.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-12-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

On XX/XX/XXXX, I received numerous alerts from XXXX XXXX regarding a debit to collect account on all three credit reporting agencies. However, I never applied or knew anything about this account in XXXX of XXXX. The debit collection company is Genesis Credit Management dba Columbia Debt Recovery. They have two account numbers with the same amount owed ( {$220.00} ) by this person who used my ID to apply at XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX, NJ in XXXX. I have proof that I was already in a committed lease in Ohio from XXXX to XXXX and IL from XXXX to the present during the same time this crime was committed in XXXX. 

For the record, I have never applied for an apartment at this organization ever in my life. The owed charges from XXXX XXXX were sent to their management company ( XXXX ), and then to Genesis Credit Management / Columbia Debt Recovery. I have called XXXX plus Genesis Credit Management / Columbia Debt Recovery to resolve this issue regarding the incorrect information. Both organizations told me to file a police report, take a photocopy of my ID with a notary present and stamped, and file a dispute with FTC. Everything has been done. The police report will be sent to me within 5 -7 business days. In the meantime, the officer said that you can directly call them to verify before the report is completed. All contact information will be on scanned documents.
Consumer complaint received 2017-04-06
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Fidelity National Financial, Inc (NY)

Title company Fidelity National Title Insurance/XXXX appointed by XXXX failed to provide clear title or inform me of title issues by the time I purchased my property XXXX NY XXXX. XXXX failed in it 's fuduciary responsibility to be a neutral party ( Trustee or Benficiary ) to inform me of changes made to legal title and what appears to be a ficticious forclosure or property abandonment whereby XXXX self assigned themselves to create a new mortgage lien. My property has a clouded title whereby it appears that XXXX entities XXXX has a lien and XXXX also had or has a lien. I have had no dealings with eithor of them, so it appears that these were somehow attached to my property in the XXXX County land and Court records.. This complaint is in relation to previous complaints I have made with CFPB on XXXX and XXXX .
Consumer complaint received 2023-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Business & Professional Collection Service Inc (NV)

I had gone to the XXXX  in XX/XX/2022. I did not have Medicaid at the time but the following month i started receiving Medicaid. The Medicaid was going to cover previous medical bills. This is the first time I am getting notified about this information is there anyway I can speak to someone or send my Medicaid information.
Consumer complaint received 2023-12-12
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

Synchrony bank acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 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 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the collections account that appears on my credit report, in the amount of {$20000.00} ( or recently increased amount ), where XXXX XXXX XXXX XXXX is listed as the original creditor, and LVNV Funding is listed as the creditor. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported regarding this information and requesting that you remove the account from my credit report immediately. 2 ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.
Consumer complaint received 2023-12-12
Product: Credit 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: WELLS FARGO & COMPANY (VA)

First, let me start by saying your sign-up requirements are extreme. You require at least 12 characters which entirely too lengthy, plus you then on top of that ( which by the way there was no information about these requirements in the beginning process. It's as if by withholding the requirements, you were trying to discourage people from using the site ), you then require a special character. 

Now, on to my complaint. 

Company : Wells Fargo Bank Division : Credit Card Violation : Non-disclosure of payment due date Simply put, the bank does not make one aware of a payment which is due when you do online banking. I can't make it any clearer, they do not notify you. 
You have my contact information however I trust if you call me that the caller ID is shown on the screen, there are far too many solicitations which are either fraudulent or inappropriate sale calls. 
XXXX XXXX
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (TX)

I wrote to both of these companies on XX/XX/XXXX via certified letters. I wrote Celtic disputing the original debt and informed Spring Oaks Capital that the debt was illegally purchased.

RE : Spring Oaks Capital : {$380.00} RE : XXXX Bank - Indigo XXXX : {$380.00} It is in XXXXXXXX XXXX  Terms and Conditions to not share my information which they have done. In addition, they have not provided me equal consideration considering how money is created. I can share my original letter to both of them which was notarized and certified. XXXX XXXX responded by sending me many bills of exchange via mail without them being USPS registered or certified by law XX/XX/year>. 

It is such a small amount of money that I shouldn't need to take them all to arbitration but I will if this can not be resolved.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (TX)

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. 

XXXXXXXX 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
Consumer complaint received 2023-12-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Winthrop Financial Resources, LLC (CT)

Approximately in XX/XX/2022 I purchased a vehicle from XXXX XXXX XXXX located in XXXX Connecticut didnt even have the car in my possession for 48 hours until the car started to overheat also started to have serious problems so on and so forth they refused to fix it the vehicle so I took them to court I won the lawsuit for my down payment and everything else that was involved, towing fees, etc. I spoke to the bank which is Winthrop financial and I told them that how can I be held responsible for a loan when I didnt even have the property in my possession, I got the loan in an understanding that I was purchasing a reliable vehicle not a lemon.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX DOWN BY Over 6 lenders, discrimination complaints against a federal government agency this was filed with the Federal Trade Commission and the Consumer Financial Protection Bureau. list of complaints never getting addressed. due to the lack of not getting Addressed, I collect countless documents and images and sent with complaint, sent letter to them send letter certified, they Received them and did nothing, to your office as well as the credit bureau. you office had over 18 complaints not being address, the credit bureau reported debits valued when the reporting data is showing no payments every made, accounts were closed a-part of a XXXX home loan refi. checks was sent and data wasn't proved to them right. on XXXX and money was taken out off mine and my wife XXXX bank, after fight over 2 years with this matter your office failed to removed this wrong info, by blocking American XXXX act, and the fair debt collection practices act, i have sent-mail and emails to the following with no results, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, As you can see from the list provided I'm getting no were i asked your to call me when this happened in Utah and now its still going on i have ended up with a stress induce XXXX XXXX over this i ended up in small claim court were the dismissed after spending XXXX or more.