davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I refinanced through Nationstar in XXXX of XXXX. When I refinanced part of the contract was that they wanted to " retire '' the title. Months later I called weekly to confirm that would retire it and they never did. I put my house on the market for sale in XXXX of XXXX. When the contract got to the closing attorney it was found that they had lost the title to my manufactured home.
Consumer complaint received 2023-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

I have tried getting ORDD Law to send me an itemized bill for the XXXX $ medical bill they have sent me 2 or 3 letters per month about several times. They have failed to do so and give me the run around every time I call. I need the itemized bill because the date they have on the letters changes and between XXXX and XXXX I was taken off my mother 's health insurance, didn't have any insurance through work for a period, then finally got insurance recently with my job with the state. It's my understanding that a medical facility gets a write off for these kind of outstanding bills after 180 days. Then it goes to collections, and if collections can not or will not provide an itemized bill with my signatures, date, proof I agreed to and recieved said treatments, they have no legal right to collect. This needs to stop now. It is riding on the edge of harassment. I wouldn't mind the letters if when I called they didn't give me a run around or act like I'm incompetent every time.
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CA)

On XXXX XXXX XXXX XX/XX/2023 I've been scam to transfer funds that supposedly my account I called the Bitcoin & Robinhood their answer is they can't revert the transaction. 

The amount are : {$15000.00} from Bitcoin {$4900.00} from Robinhood Description Bitcoin DepoXXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (NV)

On XX/XX/2018 I received a notification from XXXX  and XXXX that MRS BPO LLC ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ) has flagged my account as a Collections account for the amount of {$230.00}. Prior to this they did not contact in any way, shape, form or fashion to give me a chance to dispute this account. I have no idea of what this account is for. This has caused me credit score to drop drastically.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting service.This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 2023-09-14
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: EQUIFAX, INC. (FL)

Ive reached out to all credit reporting agencies over the course of the past 2 years to be exact in regards to my rights being violated, inaccurate findings, fraudulent findings, and unfortunately they did the bare minimum if that to ever resolve or correct the issues at hand. Ive reached out to them via phone calls, letters, disputes online. Unfortunately XXXX, Equifax as well as XXXX. All are still in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) which states that transactions between the consumer and the person/corporation making the report shall be excluded/ not included. But yet all 3 credit reporting agencies fail to comply with this law. Might I add pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) the reporting of excluded information on a consumer report is a clear violation of Metro 2 compliance. I need the metro 2 compliance disclosures on reporting transactions to a consumer reporting agency. All derogatory and defamation of character transactions that are reporting as collections, inquiries, charge off, or late need to be removed EFFECTIVE IMMEDIATELY! My time is valuable please dont waste it. Please dont send me any stall tactics, or any other verified or validated responses. I didnt ask for you to validate or verify anything. So again, please dont waste my time. Time is money and between the back and forth that Ive gone through with these agencies a lot of time and money have been wasted. Not to mention the damages that these violations have caused. The negative accounts that have Been placed in collections or listed as charged off were done without me receiving a copy of the IRS form 1099-C cancellation of debt. XXXX, XXXX, equifax and the creditors reporting late payments, Charge offs, or any defamation and derogatory information on my consumer reports are in violation of 26 usc ss 6050P Returns Relating to the cancellation of indebtedness By certain Entities. If this derogatory account information is not deleted within 30 days, I will unfortunately have to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

Unsubsidized loan payment count is totally wrong. MOHELA is showing me as having more than 25 years of payments left, despite the fact that I already have about 10 done. Subsidized payment count is closer to correct. MOHELA can not tell me what payments I can expect to count during the IDR one time adjustment, or why they will happen. They can not tell me what my payment would be on SAVE if I were to switch to that.
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DataMax Corporation (NC)

On XX/XX/2018 I received a notification from XXXX XXXX XXXX XXXX that there's an update on my credit. When reviewing it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX was showing ( 4 ) Property Tax bills this was handled in Equitable Distribution Order through the courts in XXXX XXXX. I have not received any documents or notice of this in the mail. I called the number listed XXXX listed on the credit file and a recording gave me another number to call XXXX. They show Account type : Collection Dept. Agency Attorney A lady answered the phone and I questioned her about these bills on my credit she verified my SS # Name and date of birth the last name she had was XXXX my ex-married name. She stated she sent notice to my address listed above I have not received anything or phone calls. She refuse to give me any information about these account she stated there were a problems with the bills and they need to be adjusted to call back next week. She kept trying to rush me off the phone as I was trying to find out what was this for. It appears when XXXX XXXX system got hacked a lot of peoples property tax information got stolen. I contact the deeds office in XXXX XXXX and they stated they have not sent me anything about taxes. 

I did dispute this with XXXX as fraud waiting on the results. These people need to be identified us XXXX XXXX as the original debtor to scam people out of money.
Consumer complaint received 2022-12-06
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. (GA)

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974. Also per IRS publication, a charged-off is considered a certificate of indebtedness and has to be reported as income. Income can not be reported on my credit report.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NY)

I lost my Victoria secret credit card, I asked for a replacement. They will not send me one with a copy of my social security card. I do not feel comfortable sending anyone my social security card. Therefore I asked them to close my account and they refuse. This is going to affect my credit score and Im upset.
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (NY)

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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX 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 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THEY STOLE MY PERSONAL INFORMATION AND OPENED A CREDIT CARD WITH XXXX XXXX XXXX. THE CHARGES THE ACCOUNT ARE FRAUDULENT AND NOT MINE. I NEVER REQUESTED THE CREDIT CARD TO BE OPENED. I HAVE SENT ALL REQUESTED DOCUMENTS TO XXXX XXXX XXXX AND TO THE EXPERIAN BUT THE FRAUDULENT ACCOUNT IS STILL REPORTING ON MY CREDIT REPORT.
Consumer complaint received 2023-09-14
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. (FL)

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT to be included on the consumer reports. Yet TransUnion is reporting this information. The reporting of excluded information pursuant to 15USC1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. Before you think to reply that this account has been " validated '', lets be clear that I am NOT asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collections/Charge-off Status WITHOUT mailing me a copy of IRS form 1099-c Cancellation of Debt. TransUnion and the creditors reporting collections/charge-off, late payments/ other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If these derogatory accounts information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 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 2024-03-30
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: EQUIFAX, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (FL)

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
THERE ARE SEVERAL INQUIRIES THAT I REQUIRE PROOF OF A PERMISSIBLE PURPOSE.
Consumer complaint received 2023-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

I was scammed by an event organizer who seems to be operating alone. They claimed to be an organizer for events in XXXX, took a XXXX payment for a ticket to an event and sent over the ticket for {$150.00}. They then requested {$100.00} for a refundable deposit for the venue. After sending me the time and address as well as instructions for arrival, I went and was told that the event was full and I would need to buy a VIP pass for another {$100.00}. I did not send that amount, and instead went into the venue to find it completely empty. They then blocked my number. I have their email and cell phone, as well as the XXXX receipts and the number its attached to. I called Chase immediately to try and cancel the two payments of {$150.00} and {$100.00} but they said they couldnt help me.
Consumer complaint received 2023-06-17
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: U.S. Auto Sales Inc. (GA)

XX/XX/2022 {$14000.00} The car was repo and personal items inside it was never offered back and payment plan was never given due to my hardship and the car was sold. Still did not get my personal item and a XXXX is on my credit.
Consumer complaint received 2023-07-08
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. (FL)

I, XXXX XXXX, am writing to complain about wrong information on my credit report. Following addresses are inaccurate and not my current or current address. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE DELETE AND REMOVE ALL INACCURATE INFORMATION IMMEDIATELY.
Consumer complaint received 2023-09-14
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (WA)

On XX/XX/2023, I advised Ally Bank that my mother passed away and I was appointed Executor of her Estate. I attached the Death Certificate and Letter of Testamentary through Secure Messaging showing that I am appointed Executor of my mom 's estate. 

I received a message that the documents were received and would be reviewed in 2-3 business days. In 7-10 business days after the review, they would mail me a " XXXX XXXX '' with instructions on what to do to get the account closed and transferred to me. 

I called Ally Bank when I did not receive anything by XX/XX/2023. The representative told me it was mailed out and give it a few more days. I called again on XX/XX/2023 and the Ally Bank representative told me they were still reviewing it and give it a few more days. So the previous representative lied when he said the documents were mailed out. I called again after not receiving anything and the XXXX told me they were going to XXXX the documents to me for next day delivery and even gave me a reference number. When I called back 2 days later after not receiving the XXXX documents, I was advised that the " Back Office '' is still doing a review. 

Ive called several times since then. My last phone call was on XX/XX/2023. The XXXX told me " it shouldn't take that long '' and checked with the " Back Office '' again. Again, they stated they're still doing their review. I even had one representative go so far as to tell me " we have a lot of other customers we work with.

I left a message to have someone call me from Ally Bank to tell me why I havent received the Beneficiary Packet. No one has called or responded to my message.

What I want is for my Mom 's account to be closed right away and the account transferred to me as Executor of her estate. I am really frustrated with Ally Bank blowing me off like they have been doing. I need this resolved right away.