davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Under the credit reporting act, the credit bureau has 30 days to reply back to my dispute. They failed to do so. I'm asking for the information to be deleted on my credit report. I submitted the disputes on XX/XX/2021
Consumer complaint received 2020-08-17
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. (CA)

There are 6 inquires on my credit report that I did not approve. 

XXXX XXXX, XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Experian and XXXX should not be reporting the following accounts as a collection on my credit report XXXX XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The bureaus are also reporting incorrectly the following accounts as a collection XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report for reference. ) I was on a monthly payment plan and the payments were set up recurring automatically from my bank account. When I discovered they never debited my account I immediately contacted the billing department. I found out that the hospital/physician billing office doubled my monthly payment amounts at the beginning of the year without notifying me. I never received any telephone calls, emails, or letters regarding this change in payment arrangements. When I tried to make a payment to the billing department, they refused to take the payment and consequently, sent me straight to collections. In addition, I have been disputing these items on my credit report and the ( 3 ) bureaus continue to show the status of these accounts as not in dispute. This is false! I have been attempting for weeks to get the bureaus to report accurate information on my credit report. Please update my credit report to show that these items are in fact in dispute. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-02-14
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: Byrider Franchising, LLC (WV)

On XX/XX/2021, I contacted CNAC about a vehicle loan with them. I had informed my account manager that I would be voluntarily surrendering the vehicle back to them, because I was unable to pay for the vehicle any longer. She took information down about when I would return it and other issues with the vehicle. I received an email from credit karma that a hard inquiry had hit my account, upon logging in and reviewing, I noticed that CNAC had ran my credit without my permission or knowledge.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CT)

Several utillitiy bills from XXXX and XXXX were on my credit report. I disputed them with the credit bureau and asked them to to furnish proof they belonged to me. Experian did not send me any proof of the invetigation results, but they refused to remove these items. I would like them all removed as I do n't feel they belong to me.
Consumer complaint received 2019-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under CMRE. I requested a validation on XX/XX/2019 as there was an account listed that I did not recognize as I have always had insurance/XXXX that fully covers my medical. On XX/XX/2019 I reviewed my credit profile again as CMRE had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Consumer complaint received 2017-03-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (NY)

I mailed a certified USD XXXX check to BBVS Compass ( where Simple ) holds their accounts. It was delivered by XXXX and signed for. In the meantime they lost the check and have not deposited the amount, and does not respond to inquiries about the status of the case.
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

XXXX 2016 my wife was mobilized from XXXX status to XXXX then XXXX overseas. 
We filed the appropriate paperwork with XXXX to invoke the Servicemen 's Civil Relief Act ( SCRA ) for this loan. The mortgage payment prior to SCRA was : - ( P & I ) = {$770.00} - Escrow = {$260.00} -  TOTAL = {$1000.00} After SCRA was invoked the payment was : - ( P & I ) = {$770.00} XXXX Escrow = {$240.00} - Buy down ( SCRA ) = XXXX - TOTAL = {$900.00} XXXX incorrectly lowered the Escrow payment and, in violation of Federal law, kept the amount of interest paid to the bank at the 7.78 % rate. 
The lowering of the Escrow payment has now caused a huge Escrow shortage. 
XXXX, a manager at XXXX, has documented my grievance. I believe this is not the only SCRA loan that has been incorrectly modified to collect funds boosting the banks profits and harming the service member.
Consumer complaint received 2023-02-24
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)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$7900.00} XXXX XXXX XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00}
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MN)

I had a previous Discover Card credit card account. The previous account balance and debt I owed to Discover Card was discharged under Chapter XXXX Bankruptcy in the United States District Court-District of Minnesota Bankruptcy Court on XX/XX/XXXX. I applied for a Secured Discover Card credit card account and my credit card application was denied for approval and credit. Discover Card keeps denying my online applications for a Secured Discover Card credit card account due to me filing for bankruptcy and getting the previous Discover Card account discharged in bankruptcy court. Discover Financial Services is discriminating against me for filing bankruptcy and getting the previous Discover Card credit card account discharged in bankruptcy court, denying me credit and an opportunity to rebuild my credit. Discriminating against based on my race, me being XXXX American. Discover Financial Services is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. I am sending a copy of this complaint to Minnesota U.S. Senator XXXX XXXX, Minnesota U.S. Senator XXXX XXXX, the Federal Trade Commission ( FTC ), the U.S. Department of Justice and Joe Biden, President of the United States to have my complaint and this matter throughly investigated and amicably resolved.
Consumer complaint received 2021-02-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1900.00}, {$6000.00}, {$2900.00}, {$3500.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$640.00}, {$800.00}, {$1600.00}, {$4000.00}, {$6300.00}, {$2600.00}, {$3300.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$6000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 
-- AUTO LOAN OR LEASE 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

15. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

17. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.
Consumer complaint received 2021-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (SC)

Was sent in the mail ( XX/XX/2020 ) from HRRG saying I owed debt to XXXXXXXX XXXX XXXX XXXX  XXXX for the amount of {$1000.00} from an ER visit on XX/XX/2020 ( which did happen ). I first called HRRG and they offered me a discount in 2 payments to pay my debt because of COVID and the pandemic. This set off alarms. So I then called my hospital directly to pay what they said I owed. I paid my bill in XX/XX/2020 for {$530.00} in full ( after insurance ) and they said they had no other amount I owed to the ER but gave me the number of XXXXXXXX XXXX XXXX XXXX XXXXXXXX to see if I owed them as the ER and physicians sometimes bill separately. I called XXXXXXXX XXXX XXXX XXXX XXXXXXXX and they had no record of me in the system at all. When I spoke with the account specialist, he said he's been getting multiple calls like this about HRRG. After looking me up with last name, date of service, birthdate, etc. - there is no record of my debt and the practice of the ER and physicians billing separately ended 3 years ago. HRRG is using the pandemic as a front to collect money!
Consumer complaint received 2021-02-14
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: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/2020 I started getting letters from Midland Credit Management. Unpon further research, these accounts were transferred/sold and I am no longer responsible for the accounts. Debtor 's creditor did not verify these collections. Also, there was NO written form of communication, contract, or signature for these accused debts at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Midland Credit Management has violated my rights as a consumer and I'm requesting legal action to remove these account immediately.
Consumer complaint received 2023-07-23
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (VA)

From the day I got this account I told the employees that they can not call me at work. I have repeated that every time theyve verified my information such as during refinancing the loan. XXXX still getting calls at my workplace-this interferes with my job and could cost me my job!!
Consumer complaint received 2017-02-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Citizens Bank took {$730.00} from my checking account three days after I made a payment of {$850.00} to bring my account current. They claim their credit department called me to get my permission. I received no such call. Their credit department would know that the account was current. They appear to be acting like XXXX.
Consumer complaint received 2023-01-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Volvo Car Financial Services U.S., LLC (IN)

Debt collector or creditor has been calling during my hours of employment. I received a payment remittance coupon in the mail on XXXX. XXXX ; y statement included amount due {$2300.00}, Due Date XX/XX/XXXX. My vehicle was repossessed on XX/XX/XXXX from my place of employment, XXXX in XXXX, XXXX. All of my personal property was in the vehicle. I wasn't able to receive my personal property until XX/XX/XXXX. 
They have violated 15 USC Code 1692f ( 6 ) ( a ). They have also gave my personal information to a third party XXXX XXXX XXXX who stole my vehicle which is violation of 15 USC Code 1692c ( a ) ( b ). They furnished me with deceptive forms and have violated 15 USC Code 1692j ( a ). They charged me {$6000.00} cash down payment which is illegal during a credit transaction which is violation of The Truth In Lending Act 15 USC Code 1605.
Consumer complaint received 2021-02-14
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. (CA)

I did not consent to authorize nor benefit from these accounts, along with XXXX  has violated my federally protected consumer rights under the FCRA and also under Truth in Lending Act
Consumer complaint received 2021-02-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have reached out to CAPITAL ONE AUTO FINANCE to notify them that I have found fraud. I have sent them an affidavit of truth along with billing statements and an invoice with violations of a protected consumer according to The Truth In Lending Act ( TILA ) and the FDPCA ( Fair Debt Collection Practices Act ). They have violated several consumer protection laws which include 15 U.S.C. 1692a ( 3 ), 15 U.S.C. 1692b ( 2 ), 15 U.S.C. 1692c ( a ), and others. I have sent documents via certified mail and have received confirmation that it was received XX/XX/2021 Pursuant to 1692c ( c ), I have legally refused to pay the debt I am invoking my status as a creditor and my specified remedy as to a creditor, and pursuant 1692c 1 I'm advising them to terminate all collection efforts.
Consumer complaint received 2023-02-20
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. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Re : Select Portfolio Servicing, Inc ( Home Mortgage ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX As of XX/XX/XXXX, XXXX XXXX, is the legal owner of the property, XXXX XXXX, XXXX, TN. I have enclosed the Quit Deed for your review. This case has been in legal litigation here in XXXX, TN. I am requesting you to immediately stop reporting this Home Mortgage to the credit Bureaus and Remove this tradeline from my credit profile. In addition, you have falsified my credit profile since XX/XX/XXXX. I have not paid you any money since XX/XX/XXXX. However, you continue to falsify my credit report as if I have been paying you. On my credit report it shows 120 days late since XXXX. However, you have erroneously and willingly reporting current late payments monthly from XXXX until present. This address should have been in foreclosed years ago. I have telephoned you and written you on this matter and you have ignored my requests. To date, you have not corrected this issue. I do have a record of my certified mailings with my letters. 

In addition, I am requesting my mortgage documents as I have enclosed within this letter. This is my second attempt. This is my right under the Real Estate Settlement Procedures Act of 1974 in which you have already violated. If I do not hear from you within 15 days, I will seek legal counsel. I am a current widow, and this has caused me great mental anguish since the passing of my husband in XXXX. I pray you have compassion and humanity in your heart to do whats right especially during a Pandemic. I should be enjoying retirement, However, at my elderly age I have to worry will I be able to purchase items needed for daily living.
Consumer complaint received 2023-07-23
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. (SC)

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.

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 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My credit card was charge for {$1900.00} for case # XXXX. The company " regus '' charge my card but did not provide the services they advertised and offered and has fraudulently misrepresented their billing and is incorrectly charging my for services they did not deliver. 

I provided Capital One with proof of this and they refuse to handle the claim correctly.