davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX,, has violated my rights. 

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 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX  XXXX Balance : {$410.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX  XXXX Balance : {$10000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1900.00} This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
Consumer complaint received 2021-01-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

My home equity line of credit was transferred from XXXX XXXX XXXX XXXX  on XXXX XXXX, XXXX to Select Portfolio Servicing. My first statement from Select Portfolio was dated XX/XX/XXXX how ever I did not receive the statement until Mid. XXXX XXXX. 
The payment requested is {$450.00} higher than my payments have been for the last nine years. I have made six calls to select servicing regarding this issue with no avail. Today I was informed they are " working on the issue ''. 

I am in the mortgage business myself. I am fully aware of the guidelines regarding loan transfers and servicing. XXXX XXXX will be the 60th which means they will be able to report me as delinquent. I value my credit an do not want their error to tarnish it! 
I am at a loss and hope you can help. 
thank you
Consumer complaint received 2024-11-19
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)

This morning, I was alarmed to see inaccurate accounts suddenly appear on my credit report, and I can't understand how this happened. I routinely check my credit report, but this time, unexpected discrepancies showed up. I even tried refreshing my browser, hoping it was a glitch, but nothing changed. The inaccurate accounts remained, which is why Im urging that the documents Ive provided are reviewed carefully to resolve this once and for all.
Consumer complaint received 2023-05-17
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. (FL)

Hello my name is XXXX XXXX XXXX and a few of my federal rights have been violated! 

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, as well as some of the following rights also!

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 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. 

XXXX : ACCT # XXXX, XXXX XXXX  : ACCT # XXXX, XXXXXXXX XXXX XXXX : ACCT # XXXX, XXXXXXXX XXXX XXXXXXXX : ACCT # XXXX, XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX : ACCT # XXXXXXXX XXXX XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX : ACCT # XXXX, XXXX : ACCT # XXXX, XXXX : ACCT # XXXX, XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX XXXX : ACCT # XXXX
Consumer complaint received 2015-06-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

NO PROPER TRUST ACCOUNTING/DOCUMENTATION per OFFICE OF THE CONTROLLER OF THE CURRENCY CONTROLLERS HANDBOOK. I am a surviving spouse and mother of decedent 's only XXXX children by decent, minors. My spouse passed XX/XX/2014.Being that we had a significant age difference I always went along with my husband 's financial decisions as he was the one with all of the financial assets. I never demanded anything in writing from him as he was a fair man, always kept his word and loved his daughters more than anything. He was a street wise man, very charming, and had common sense. He ran XXXX very legal in every sense of the word and was generous, especially with XXXX employees. The mistake on my husband 's part was to assume the key employees were going to reciprocate his good will, kindness, and care for his family, meaning us. Two years prior to my husband 's death he finds out his longtime Attorney of over 39 years has embezzled over {$100000.00} and a lien had been put on our home. XXXX my husband had of over 20 years never bothered to look into the lawsuit and make sure funds were being disbursed properly. At the time all of this embezzling was going on my husband was going through XXXX. There 's more to the story but fast forward to XXXX 2014, XXXX he never transferred any business assets or anything else for that matter. So now I have the CPA and the purported successor trustee around me like vultures, but again keep in mind if my husband trusted people then I did too, he passes away and I find out that I had POA all this time up until his death, the CPA never notified me and the rest was downhill. Now the " new '' administration has been running my husband 's XXXX and basically my husband 's trust money has been bennifiting the trust, not the beneficiaries, our daughters. They are going off a trust that was executed 5 days after he found out about the embezzlement, in addition they switched his XXXX XXXX IRA. So basically the girls and I have been living off peanuts. At the end of the day, all my husband wanted was control of the money, again due to our age difference he still felt I needed some back up in case of any trouble. Little did he know that the people he trusted to take care of us were going to throw his family in the trash.
Consumer complaint received 2023-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (TX)

I submitted a dispute for LOCKHART , MORRIS & MONT located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with a XXXX and XXXX XXXX. They informed me that XXXX XXXX XXXX bought this account from XXXX XXXX XXXX and the parent company XXXX XXXX handed this over to Lockhart , Morris & Mont. I asked about this alleged debt first and got no where with XXXX. XXXX was also adamant about sharing information although he told me on a recording line that he could access a detailed statement for my alleged medical visit in XXXX. I have never visited a hospital by the name of XXXXXXXX XXXX XXXX. I even called my local hospital to ask them on XX/XX/2023 and they knew nothing about this. 

I am asking that this company provide the proper documentation to provide validity of this alleged debt. I am asking that they provide original documentation that supports I owe debt to Lockhart , Morris & mont located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would also like to see the bill of sale and documentation where I have given consent for this company and XXXX of family companies to access any information on my person. This is a direct violation of HIPPA in regards to protecting my medical and personal health information. This also violates my consumer rights to privacy.
Consumer complaint received 2023-02-13
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. (MI)

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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-06-07
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. (NJ)

XXXX XXXX - {$1500.00} ( XXXX XXXX ) XXXX XXXXXXXX - {$810.00} ( XXXX XXXX ) XXXX XXXX {$150.00} ( XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX  ) None of these are my transactions, yet they are on my credit report.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I have taken action since 2017, when the total loss happened. The gap insurance was to pay the entire note, which it did. I was unaware of the last payment that was due on my end and has since paid the balance. I have asked for an update or for the reporting to be deleted. Thank you
Consumer complaint received 2017-05-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

Hi, It shows in my credit that I owe {$720.00} and it was opened on  XXXX   XXXX . The name of the creditor is called ARS Account Resolution. The second creditor that is charging me money on creditor is charging me {$2200.00} and it was opened  XXXX   XXXX . The creditor 's name s called  XXXX   XXXX   XXXX . I did not take my daughter to the hospital during the months that is shows in my credit reporting. I have been false accused of taking her. Can you please ask them to check the signature of who signed the release medical information? Also, ask them to print me the ID that was used when the person went to the hospital? I do not understand why I am being charging of something I did not do. I just want the creditors to fix this issue they are accusing me of. I hope you can remove these  XXXX  charges out of my credit which are the amounts {$720.00} and {$2200.00}.   Thank you for taking the time to read my complaint.     sincerely,  XXXX   XXXX   XXXX
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have taken action since 2017, when the total loss happened. The gap insurance was to pay the entire note, which it did. I was unaware of the last payment that was due on my end and has since paid the balance. I have asked for an update or for the reporting to be deleted. Thank you
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

dropped a check to pay XXXX of my citi bank credit card infull in the night deposit at there XXXX branch on XXXX accounts end in XXXX and XXXX got a call from the head teller who refused to process my payments and said he was mailing them back to me. branch manager refused to speak with me. even asked the head teller why he could not just mail them to citi bank since they were in the envelope provided with my monthly credit card statement and all he could say was it was illegal for him to process my payment in any way shape or form and he refused to transfer me to the manager.
Consumer complaint received 2024-11-19
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. (PA)

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX XXXX XXXX 
Acct : XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX ACCT : XXXX. 
XXXX XXXX AND XXXX. 
Acct : XXXX. 
XXXX XXXX XXXX. 
Acct : XXXX. I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Consumer complaint received 2021-01-22
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. (GA)

Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truthin commerce, so be it, and ; LIST CREDITOR ACCOUNTS HERE : XXXX  XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX 
AMOUNT : {$170.00} DATE : XX/XX/XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX AMOUNT : {$130.00} XX/XX/XXXX XXXX  XXXX  Original Creditor : XXXX XXXX XXXX XX/XX/XXXX AMOUNT : {$93.00} XXXX  Original Creditor : XXXX XX/XX/XXXX AMOUNT : {$550.00} Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX , XXXX is in violation of 15 USC 1692D ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX  XXXX, XXXX XXXX , XXXX is in violation of 15 usc 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX , XXXX is in violation of 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have disputed the following with Equifax several times with no outcome and I do not know what else to do.       XXXX   XXXX   XXXX   #  XXXX  - Unknown and not mine, remove  XXXX   XXXX   XXXX   XXXX  - Outdated and past the statute remove
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (MA)

Dear Credit Bureau / XXXX MGR ; I demand that you personally DELETE this account from XXXX CARD directly from my credit report effective immediately because, one Im not liable for this account as you can see on the attachments or the letter of paid off from XXXX, and its also reporting questionable balance, incomplete and misleading information. Early XX/XX/2020, I opened dispute against the original creditor, and all the major credit bureaus due to same inconsistencies, violations, misleading and incomplete information on this negative account I simply asked for it to be investigated and DELETED from my credit report, but I simple received a template responses either asking for additional information or that you guys verified as accurate. Its not accurately reporting, and it continues to have monthly payment on closed account, questionable balance, and different dates of last active, last reported, last payment, etc. Account status was never updated that I ever disputed why? 

Here are some highlight reasons why I need this account DELETED from my credit effective NOW. 

There shouldnt be any late payments after the account was closed! 
Why am I seeing years of late payments after the close date? Its not possible to be late on a closed account! 
Status update date shows that this account wasnt even investigated, remove account. 
3 different open dates reported 3 different date of last activity dates reported Cant possibly have been verified because the status update date has not changed. 
Account has illegally been re-aged. Remove. 
Bought by a collection agency but still shows a balance. 
Bought by a collection agency but still shows a past due. 
Bought by a collection agency but still shows a monthly payment. 

SEEEEEE THE ATTACHEMENTS ON THE NEXT PAGES!!!
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Union Bank refuses to cash or make a deposit for their own account holders who have received Economic Stimulus debit cards. The service rep 's advice to their customers is to take the card to a XXXX ATM, withdraw money, and bring the cash back to their so-called 'bank ' to make a deposit.
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

I have been paying on my student loan for over 10 years, how do I still have a {$21.00},  XXXX  balance?     In  XXXX  I fiel d Chapter   XXXX , my bankruptcy began paying {$500.00} towards my student loan for at least  3 1/2  years. {$500.00} for 30 months is around {$15.00},  XXXX . After the bankruptcy was  discharged  in  XXXX  i continued making payments and balance is still not decreasing. What is  Navient d oing with my money? Ive tried contacting them and get the run around.
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (CA)

Cross Country Mortgage transfer to a third-party servicer, XXXX has report XXXX months late payment, XXXX XXXX, XXXX 2022. After several emails back and forth of providing proof of their reporting error. XX/XX/2022 was corrected. XXXX and XXXX have not been changed even though I provided banking statement proof of payment that were received by XXXX XXXX and not credited to my account. They reported to the credit bureau late payments on the XXXX of the month. I researched the XXXX XXXX  - violation that accounts should be reported with at least a XXXX delay. I have reported this to the XXXX and XXXX but have not heard back from either. I am looking to this agency to help me resolve this matter as I find that they are not following the reporting law and this is affecting me need to use my credit.
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

My Checking Account was involved in fraudulent activities which included wire transfers to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reported this to the bank and was unsuccessful in getting a solution.