davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$310.00} XXXX  Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF ED/XXXX  Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX has violated my rights. XXXX5 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
Consumer complaint received 2021-02-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NY)

Credit Collections submitted a item on my credit report from an original company by the name of XXXX XXXX XXXX for the amount of {$270.00}. I've had health insurance coverage for over 10 years ( XXXX XXXX XXXX XXXX XXXX XXXX through XXXX XXXX ) with no lapse or any issues. I never receive any form of communication from the medical professionals that I've seen nor communication from this company in regards to this outstanding debt which I firmly believe is fraud. During this pandemic it seem to be a lot of fraudulent activities and I believe I am a victim of this horrible activity. I've disputed with all the credit bureaus and the results have not changed nor removed from my credit report. I am asking for any assistance in this matter will be greatly appreciated. Thank you.
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I contacted Select Portfolio Servicing on XX/XX/2022 to advise them of my previous telephone calls stating I would pay the escrow deficit in two payments. On XX/XX/2022 my regular mortgage payment was submitted with my online banking institute. XX/XX/2022 {$500.00} was also submitted for the specified ESCROW DEFICIT. Having spoken on XX/XX/2022 to XXXX who did not give his last name, I told him about the agreement on the payment of escrow and the previous telephone calls, I was told he knew nothing about any agreement and I then asked to speak to a supervisor, he told me none was available, I asked a supervisor could return my call, he said no, I will receive no calls from any supervisor and insisted he was the one to handle this situation and would not allow me to speak with any other person. He told me have a nice day. I told him I will contact the Consumer Financial Protection Bureau. Be advised all these call are recorded when you give permission which I did. Please listen to all the telephone calls. I am giving you permission to do so.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (VA)

Dear Equifax, I am writing to dispute a medical collection that appears on my credit report. The collection in question is XXXX XXXX XXXX, and the amount is {$830.00}. Account number is XXXX. 

I am disputing this collection because it is in violation of several consumer laws and federal laws. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate and complete credit reports. However, in this case, the collection agency has not provided sufficient documentation to prove that the debt is valid. 

Furthermore, the collection agency may have violated the Fair Debt Collection Practices Act ( FDCPA ) by not following proper protocol when attempting to collect the debt. Specifically, they may have engaged in harassing or abusive behavior, or used deceptive tactics to pressure me into paying the debt. 

Finally, the medical collection may be in violation of the Health Insurance Portability and Accountability Act ( HIPAA ). This law requires healthcare providers to keep patient information confidential, and to obtain written consent before sharing patient information with third parties. If the collection agency obtained my medical information without my consent, they may have violated HIPAA. 

I am requesting that you remove this collection from my credit report immediately. If you are unable to do so, please provide me with detailed information about the debt, including the name and address of the original creditor, the date the debt was incurred, and any other relevant information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (CA)

Kindly consider this as a follow-up to my previous complaint which contains accounts that are erroneous and misleading, and I want the accounts to be removed as soon as feasible. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-01
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}
Consumer complaint received 2023-03-01
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. (MD)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX : {$22000.00}
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NC)

I noticed on my credit report that my last two payments were not reported. I called the credit card company on XX/XX/28 and explained and they agreed that my information was not reported in XXXX. The associated said she filed a claim and I would be receiving confirmation of the claim. As of now I have not received any correspondence or confirmation and my credit report is still not updated.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (GA)

I reported my checkbook lost to the bank and they allowed transactions to go through when I was told that no transaction could go through including reoccurring payments and deposits of my paycheck and social security check. So I changed banks. 

However, they did pay a recurring transaction several days later after I have reported the loss, and told me they would close the account when I pay the negative balance ( the transaction they paid ).
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

My investment property value has increased to more than double the original loan amount, so I requested a cancellation of my PMI insurance from my previous loan servicer. They agreed to the cancellation effective XX/XX/XXXX. My current servicer bought my loan in XX/XX/XXXX. 

The new servicer has twice refused to allow the PMI cancellation until the loan has " seasoned '' by having no late payments for XXXX more years. I have owned the home since XX/XX/XXXX with no late payments. 

My online searches concerning Dood/Frank legislation reveal that an increase in value is a valid reason to cancel PMI insurance. My loan has already " seasoned '' for 6 years with no late payments. 

I contend that they do not have the right to deny PMI cancellation because they bought servicing rights to my loan and chose to reset the " seasoning '' clock.
Consumer complaint received 2023-04-14
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. (AL)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2017-07-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I had filed a complaint last month charging fees that I had restated my mortgage then they tried to charge after ...  XXXX  account resolution officer said it was fixed and you closed my case after you closed it they went back in and charged it again I attached   XXXX   statement showing correct   XXXX   statement they doubled the attkrneybfees and charged more fees ...
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

I have a scheduled foreclosure sale date on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I was informed by XXXX to submit a letter to request a postponement of my foreclosure. This letter was faxed by a non-profit housing counseling agency, XXXX, on XXXX/XXXX/XXXX. Later I spoke with Ditech to check on the status of my postponement and was informed that this letter was not reviewed and no assistance was granted because there was no packet to review. This is contradictory to what I was informed and has prohibited me from pursuing much needed mortgage assistance. I spoke with Ditech on XXXX/XXXX/XXXX and requested a reinstatement amount as of XXXX/XXXX/XXXX I still do not have this figure. It seems as if Im being given the run around and I am only trying to find a resolution towards saving my home. I believe that proper communication and accurate information is not being shared, unfortunately to my detriment.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I was out on a work trip in XXXX and realized I had lost my debit card on XX/XX/24. I immediately logged into my Wells Fargo account to turn the card off and called Wells Fargo to inform them on the situation and file claim on transaction that were not completed by me or authorized by me. A claim was initiated and I was told I should have a response by 10 business days. I called back the XXXX day and was told my claim was denied because I had used the card and entered the pin. Im pretty sure this is not the situation as I didnt use the card and I didnt provide the pin to anyone. While I was on the phone they said it had been denied because I had funded the transaction. Well first of all banks are to have money in them arent they. Second I was traveling for work to a different country of course I needed to deposit money into the card in case of an emergency. I wasnt checking my account 24/7 to have caught this earlier because I had XXXX XXXX in there and was only purchasing to buy XXXXXXXX XXXX  which I paid via XXXX XXXX. The excuses they are giving make no sense to whats going on. The purchases made were not made by me and thats a fact. Why would I be doing purchases in a home improvement store if I dont even have a home in that country. I live in an apartment here in the US. No alerts were sent and no fraud freeze was done even though the purchased happened in a different country and some above XXXXXXXX XXXX. Ridiculous if you ask me. XXXX claim number is XXXX.
Consumer complaint received 2024-04-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Omni Financial Corp. (FL)

I am writing to express my deep concern and frustration regarding a purported auto loan account with XXXX XXXX SOUTHEAST TOYOTA FINANC, XXXX with account number XXXX, allegedly opened in XX/XX/2015, with a balance of {$690.00}. Despite my repeated attempts to resolve this matter by reaching out to XXXX XXXX SOUTHEAST TOYOTA FINANC, I have not received any resolution or acknowledgment. It is essential to emphasize that this account is unverified and does not belong to me. I have never entered into an auto loan agreement with XXXX XXXX SOUTHEAST TOYOTA FINANC, nor have I ever owned a vehicle financed by them. 

Furthermore, I am deeply troubled by the apparent negligence of XXXX XXXX SOUTHEAST TOYOTA FINANC in handling my personal information. It has come to my attention that they may be recklessly exposing my account details, along with my personal information, by selling it to other collections agencies. This blatant disregard for privacy and security is alarming and unacceptable. I demand immediate action from XXXX XXXX SOUTHEAST TOYOTA FINANC to investigate this matter thoroughly, provide a comprehensive resolution, and cease any further dissemination of my personal information to third parties. Failure to address these concerns adequately will leave me with no choice but to pursue legal remedies to protect my rights and seek appropriate redress.
Consumer complaint received 2023-06-30
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. (NC)

I reached out to XXXX XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is ILLEGAL!! They have once again broken the law! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!
Consumer complaint received 2023-04-14
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. (GA)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, XXXX, Transunion have incorrect information on my Credit Report that that needs to be deleted within 30 days, The Information belongs to someone else with a similar name i mailed them many time about this. The following info is the claim numbers that were givien to me when we filed the claim. They promised me it would be deleted in 30 days and gave me the following confirmation, they have not removed it within 30 days so thats what this complaint is for. 

XXXX XXXX # XXXX Transunion XXXX XXXX XXXX XXXXXXXX, pa XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dispute reference # XXXX
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (OH)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX, XXXX  I receive a notification of a low balance in my checking and saving accounts. I checked out accounts via the app and notice my balance was XXXX  and the money in the accounts was placed on a hold. I called Bank of America consumer service number, the representative stated my account is flagged as deceased. I needed to bring in 2 forms of ID and letter from SSA. I brought in everything they required and they haven't rectify the issue of reinstating my accounts and debit card. I unable to receive my paychecks for work, pay my bills or buy my XXXX XXXX.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Dear Consumer Financial Protection Bureau, I am XXXX XXXX XXXX, and I wish to file a formal complaint against Capital One Bank for failing to honor a promised promotional bonus in association with my 360 Performance Savings account ( Account No. XXXX ). 
In accordance with the terms of a promotion offered at the time of account opening, I was to receive a {$1000.00} bonus for maintaining a minimum balance of {$100000.00} for 90 days. Despite fulfilling these conditions, the promised bonus has not been credited to my account. I have made numerous attempts to resolve this issue through both telephone inquiries and visits to the branch, during which representatives acknowledged my eligibility for the bonus. However, the issue remains unresolved. 

This situation raises serious concerns regarding Capital One 's adherence to their promotional commitments and customer service standards. I am requesting the CFPBs assistance to ensure that the promotional bonus is promptly credited to my account as initially promised. Please call me if anything is needed. 
I appreciate your attention to this matter and look forward to a resolution. 

Thank you for your assistance.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

For years I was oblivious to this Toyota Motor credit co account being opened in my name on XX/XX/ balance of ( {$26000.00} ) this account was opened fraudulent and Toyota did not do a good job verifying the authenticity of the identification. Since Ive been aware of this fraudulent account I was able to take the proper steps in getting it removed from my credit bureaus but Toyota is still reporting this charge off