davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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: Receivable Management Group, Inc. (GA) (SC)

In accordance with the Fair Credit Reporting act XXXX  account 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (DE)

To be in correlation with the FCRA, the below list of accounts are violating 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 XXXX XXXX  15 USC 1681 section 602 A states that I have the right to privacy 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any 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 USC 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 the information is inaccurate
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

filed a complaint about this account earlier for incorrect information reporting, you did investigation and said information is accurate which is not true. In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (OK)

After being unable to complete a purchase with my US Bank 's debit card, I phoned US Bank to resolve the issue and was informed that the Bank had closed my accounts on XX/XX/2022. 
The customer service representative stated that our deposits would be returned to us as a cashier check mailed to our home. 
We did receive a cashier 's check in the amount of {$110.00} a week later but have yet to receive the deposit back from our US checking account ( the amount of {$1000.00} ). I have made multiple phone calls to US Bank and have received promises to send payment and still have not received satisfaction. As an elderly person on a fixed income, {$1000.00} to be taken away from my ability to pay my bills is a major hurdle to overcome.
Consumer complaint received 2016-03-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I went into Bank of America to transfer my IRA from XXXX XXXX to Merrill Lynch. 
Silly me. 
The account was opened using my Social Security Number but in the wrong name, " XXXX ''. VERY SCARY. How do they ( XXXX ) get away with this level of incompetence? 
See the attached letter from Merrill Edge. 
For the record, my name is " XXXX ''!!! 
I have talked to Bank of America, Merrill Lynch and Merrill Edge 9 or 10 times so far, to stop sending me correspondence in the WRONG NAME. Each customer service person is very nice and their claim, " I can fix this for you! ". LIARS The computer still sends out notices in the wrong name despite my many calls to them to STOP sending mail in the wrong name! 
HOW CAN WE GET MERRILL TO STOP, FIX OR ELIMINATE THIS SITUATION THAT THEIR INCOMPETANCE CREATED?
Consumer complaint received 2023-09-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Data Mortgage Inc. (GA)

The company Essex mortgage has transferred my loan multiple times within the small timeframe and before now it hasnt been an issue. Now they transferred it and I didnt have a clue about it until I went to go and pay it. Now theyve moved things on to a new site where I cant even create a new account or use my existing one. I tried to create one and the site claims Im waiting on a verification. What ever that means, Ive been waiting forever it feels like now. I feel stuck and helpless being that after all the calls Ive tried and emails Ive sent Ive gotten no help or advice. This has been going on for about a week now
Consumer complaint received 2023-08-17
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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (NY)

I work with XXXX and they paid off account XXXX XXXX # XXXX ( XXXX XXXX ) amount was XXXX they settled for {$2500.00} and was settled on XX/XX/2020 and now the remainder amount was sold to a new debt collector LVNV FUNDING LLC which they can not legally do that once they settle on a debt. I have reached out to federal debt relief and the credit company 's but can not get this removed and I have proof that if was settled. So why is this so hard to get removed XXXX XXXX XXXX XXXX XXXX ( is who I go through ) XXXX XXXX XXXX XXXX, AZ XXXX LVNV FUNDING LLC ( this is who bought the remainder of the debt ) Address XXXX XXXX  XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

After several complaints against XXXX XXXX XXXX for reporting inaccurate information on my credit report. I am submitting another complaint of this company blatantly breaking the law at this point. My rights under the fair credit reporting act are being disregarded by the credit reporting agencies as well! Specifically Experian! Month after month they continue to break the law by not removing inaccurate information. There was an auto loan that was charged off. They sent the account to XXXX XXXX XXXX collection agency. Account number XXXX. On XX/XX/23 I settled the account in full for {$4300.00}. XXXX is reporting the account to Experian that I only paid {$1700.00} as of XX/XX/23. Ive spoken on the phone to XXXX XXXX and they even have it in their system as being settled for less in the amount of {$4300.00}. So why are they reporting inaccurate information to Experian, XXXX, and XXXX? I want the XXXX  to hold them accountable and remove this information immediately. All the proof is there and at this point its clear to see there is something not right happening behind the scenes that needs to be corrected immediately!
Consumer complaint received 2023-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (SC)

On XX/XX/XXXX I placed an order with XXXX XXXX for XXXX. The order was for two beds, two mattresses and a night stand. XXXX XXXX issued an authorization for the full amount to affirm ( but not the actual invoice ). XXXX XXXX has issued a refund and cancellation but affirm is still trying to collect funds from me.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Caliber Home Loans, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc. (NJ)

Dear Self.Inc, I am writing to bring to your attention a serious issue that I have been experiencing with the processing of my credit card payments through your online platform named Self. As a loyal customer of your credit card service, I have noticed that payments made through this platform are not being processed properly, often taking more than 7 business days, and when they are finally processed, the credit is not being applied to my account. 

This delay in processing and failure to apply credit is causing significant inconvenience and distress. I rely on prompt payment processing and accurate accounting to manage my finances and maintain a good credit score. It is extremely frustrating to see that my payments are not being processed as they should be, and even more so that credit is not being applied to my account. 

I understand that issues can occur from time to time, but this problem has been happening consistently, and it seems to be a serious problem with your payment processing system. These bad practices can result in the accrual of late payment fees, interest charges, and other penalties that can be financially damaging to me and other customers. 

I urge you to take prompt action to address this issue and restore your customers ' confidence in your payment processing system. Please review your payment processing procedures and make the necessary improvements to ensure that payments are processed correctly and that credits are applied accurately and promptly. 

I appreciate your attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-04-27
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. (NY)

I am uploading a letter from XXXX XXXXk in regards to the XXXX account reporting on my credit reports. I have been disputing this account that it does not belong on my credit reports. The investigation was completed and shows proof the account is to be removed
Consumer complaint received 2023-04-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Glory LLC (CA)

XXXX XXXX XXXX  I was trying to contact XXXX XXXX XXXX and clicked on the first website XXXX  and called XXXX assuming this was the company. Spoke to a woman who mentioned she had two options to settle my collections and she said my call was transfer to her since the other one was way to busy and no one was available. She collected by name, address, date of birth and social security number. When I questioned why she was asking she mentioned that she didn't have access to it like the other department. Once she tried to get me to pay in order to run my report I requested she transfer me to the other dept, but she kept pushing to make me stay working with her. Finally I decided to hang up and realized it was a different number I was supposed to be calling. I ask XXXX XXXX if they were affiliate with the other company and he reassure me that they were not and they do not have two options to settle my account. I then realized I had been scammed and had given all my information to the woman. I put a freeze on my credit report and will contact the police about this.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-16
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. (MN)

Applied for car said was going to run XXXX and ran all these inquiries XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have no knowledge of these two collection debts on my CREDIT REPORT. They show up as charge off and closed accounts, but I never paid any agency or even had knowledge of these accounts on my credit profile! This is a violation of my rights as a consumer and a violation of the Fair Debt Collection Practices Act! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
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. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-11-25
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. (CA)

I submitted letters to Transunion requesting their help to investigate and verify the accounts ' information and have it corrected to appear accurately on my Credit File. Transunion must be required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the entire account ASAP : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-06
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (AZ)

I am writing to file a formal complaint against Navy Federal Credit Union regarding their denial of my request for complete copies of bank statements for the following joint accounts : Member Checking Account Ending in XXXX Membership Savings Account Ending in XXXX I have sought these complete statements to ensure responsible financial management and transparency, but Navy Federal Credit Union has consistently refused to provide them, depriving me of essential financial information.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (CT)

We recently purchased our home. XXXX XXXX is the mortgage holder. XXXX XXXX apparently sold the loan to Arvest. The sale of the loan, we are told, closes on XX/XX/2023 ; however, and for the past two weeks, both of the Lenders have reported the same loan to all three credit agencies. We have only one loan! We have tried to get this addressed and rectified ; however, we have been told essentially that " too bad '' and it will get fixed at some time in the future. This is entirely unacceptable.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

This problem has been going on for more than XXXX days and i am still suffering i did everything they ask. It was supposed to be removed in XXXX days hiw much more time do the need COMPLAINT ID XXXX
Consumer complaint received 2017-03-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

Mortgage company was notified of failure to pay property taxes on XX/XX/2017. Multiple phone calls were made trying to find out when a check would be cut. XX/XX/2017 was told it would be paid before the XX/XX/XXXX. Called today XX/XX/2017 and was told it was still being researched and would not be done until XX/XX/XXXX. This is the opposite of what I had been told all month long. Now no one will send me an email stating I am not responsible for penalties after XX/XX/XXXX nor will they confirm when property taxes will be paid. I want property taxes paid by XX/XX/XXXX and if not possible I want in writing stating I am not responsible for ANY FEES OR PENALTIES for lack of timely payment. So any FEES OR PENALTIES after XX/XX/XXXX are the mortgage companies to pay. I need my taxes paid now.
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (GA)

I.XXXX XXXXXXXX have not authorized these inquiries and have no knowledge about them.They are on my Equifax and XXXX Credit Reports.They do not belong to me and I filed a FTC ID theft report today.I want them removed asap.Thank you. 


EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.