davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Fairway Capital Recovery, LLC (NC)

When I answered the phone call I thought a medical company was calling me. She never stated that she was attempting to collect a debt until after she asked me my current address. And of course I gave my current address believing it to be in regards to a recent medical test. The company that called was Fairway Capital Recovery. 
After asking if it was XXXX XXXX calling me, she then stated the whole " this is an attempt to collect debt '' after asking my current address.
Consumer complaint received 2023-09-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MN)

On XX/XX/ I requested that Southwest credit systems delete unverified and inaccurate information from my credit report. I sent Southwest Credit Systems a letter demanding validation of debt. It has been well over 30 days and Southwest Credit Systems has not provided the requested documentation. I am now entitled to presume Southwest Credit Systems placed this on my credit report in error and that this matter is permanently closed. Attached Documentation : Letter to Southwest Credit Systems and identification.
Consumer complaint received 2023-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (ME)

I am a Truist mortgage customer because my mortgage was purchased by them. I have not missed any payments and have always overpaid. Truist escrows and pays my homeowners insurance directly. They were billed in advance and did not pay by the date due. This triggered a Truist letter informing me I had not paid my insurance and threatening to charge us considerably higher rates for their insurance and requiring a number of different documents. I work long hours and cant contact Truist past XXXX pm so there is no way to do this for me other than their automated system which I have tried to use. They then triggered another paper communication thanking me for paying my insurance which they did. The communications are not only inaccurate but incredibly abusive to customers. I have since received communication from my insurance company informing me that a payment is still due ( it was due over a week ago ). This is very frustrating and time consuming and it feels deceptive to customers.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/23 I received simultaneous emails of credit card accounts being opened under my personal information with XXXXXXXX XXXX  and Capital One. I do not have any accounts with these companies. Called both banks to submit a fraud alert and cancelled both accounts. Also called XXXX and XXXX to put a freeze on my credit. Tried contacting XXXX and creating an account online but automation would not allow me to speak to a specialist. It directed me to the website which caused an error when I went to create an account and put a freeze on my credit. Was not able to freeze credit on their website. Tried calling several times. Took a screenshot for reference.

Additionally, credit report is showing credit card transactions already one day later.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

Amex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to the fair credit reporting act 15 usc 1681 section 602 ( a ) it says there's a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for consumer rights to privacy. XXXX and XXXX are consumer reporting agencies and I'm the consumer.my right to make sure my private information isn't shared is backed by 15 usc 6801. That says it's policy of Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of the consumers and to protect the security and confidntuality of those consumers Private information .furnisher of information to credit agencies is a financial institution by definition under title 15 usc 1681section 604 a section that says in general subject to subsection ( c ) any consumer reporting agency may furnish a report under the following circumstances and no other. In accordance with the written instructions of the consumer to who it relates ( furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX don't have my consent to furnish this information, nor do they have my written consent .any and all consent to XXXX and XXXX ( furnisher of information to credit agencies ) whether it be verbal or non verbal written, implied or otherwise revoked.15usc6802 ( b ) ( c ) says that a finance institution may not disclose non public personal information to a non affiliated 3rd party unless the consumer is given a explanation on how the consumer can exercise that non disclosure option. ( furnisher of information to credit agencies ) never informed me of my right to use my non disclosure option not only that,15 usc1681 ( a ) ( 5 ) says except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction of crimes which antedates the report more than 7yrs. This account is an adverse item they are reporting again without my permission which is against the law. 15 usc 1681s-2 ( A ) ( 1 ) A, says a person shall not furnish any information relating to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 usc 1681e says every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed listed under 1681b of this titleXXXX and XXXX are not maintaining reasonable procedures designed to avoid violations of section 1681c of this title.XXXX and XXXX are not maintaining reasonable procedures. 12CFR 1016.7 SAYS that a consumer may exercise the right to opt out at anytime. " I am opting out of their reporting services ''
Consumer complaint received 2018-04-13
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: TD BANK US HOLDING COMPANY (TX)

Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have an inquiry on my credit report for XXXX XXXX and I don't have a XXXX XXXX account. I had services with XXXX for the last 4 years but as of XX/XX/XXXX I moved to XXXX XXXX XXXX area and I have service with XXXX. I have tried to dispute this through XXXX but it is still on my credit report. I am not sure of who but my information is being used fraudulently. I also have an issue with someone running my credit with XXXX  and trying to get a retail card with them. I called them XX/XX/XXXX and reported to them that it was a fraud because I have four, now five, credit cards and I don't have any retail cards because I manage those five.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TransUnion is deliberately obfuscating their security freeze instructions to direct customers towards their fee-based " XXXX '' monitoring system. They are doing this in direct response to the XXXX breach and appear to be intentionally exploiting customer fears to drive customers towards a revenue-generating product instead of assisting them in exercising their rights under law. 

Here is a permanently archived version of the TransUnion credit freeze web page as it previously appeared on XX/XX/XXXX, the same day as the XXXX breach announcement : XXXX XXXX XXXXhttps : //www.transunion.comXXXX Notice the specific direct instructions in plain language regarding what a security freeze is and how to add or remove a security freeze. 

Here is the TransUnion credit freeze web page as it appears since XX/XX/XXXX : https : //www.transunion.comXXXX Here is a permanently archived version of that webpage made on XX/XX/XXXX ( in case the above page is changed ) : XXXX XXXX XXXXhttps : //www.transunion.comXXXX Notice the specific clear instructions have been replaced by a marketing message carefully crafted to lead customers to sign up for their revenue-generating TrueIdentity product. Also notice that discussion of customer 's rights to a credit freeze is deferred to the end and written in very passive language ( " About credit freeze '' etc ). Also note that on their XX/XX/XXXX ( and current ) page they imply that some customers may not qualify for a credit freeze when they state that " a credit freeze may be available under your state law. '' This is in direct contradiction to their statement on their XX/XX/XXXX page they explicitly state *at least twice* that " TransUnion will allow any consumer in any state to add, lift or remove a security freeze. '' TransUnion appears to be intentionally misleading customers by using deceptive marketing tactics and intentionally vague language in order to manipulate customers into signing up for a product they do not need. The objective seems to clearly be to increase their profits by preying on customers in a time of crisis.
Consumer complaint received 2024-03-31
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. (KY)

XX/XX/24 I filed a complaint with equifax about improper use of my credit report .with account name ( XXXX  XXXX ) Company did not remove the account after all evidence was attached to complaint.
Consumer complaint received 2023-09-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: John C. Heath, Attorney at Law, PLLC (FL)

Between XXXX and XXXX, this company contacted me stated that they see me trying to delete and remove the wrong information on my credit report. The guy told me that he can help me with this issue easily and very fast. He charged me about {$500.00} but I have to deposit at least {$200.00} for him to start and then to make monthly payments. He told me that I will see a changed on my credit report in a short period of time and my credit scores will go up within months. He promised me that he will make sure he cleans everything and have all 3 credit bureau to delete informations that are not belong to me and get rid of anything that is appeared to be a mistake.
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2023-09-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (NJ)

I sent a signed letter to Mr. Cooper asking to remove PMI. I was told I have a type of loan that can not remove PMI. I went through all closing documents and can not find a disclosure that says this. Mr. Coopers website says we will automatically remove PMI when LTV reaches 78 %. Website also says send a signed letter to Mr. Cooper with account number in order to get PMI removed. I reached out to a mortgage lawyer and was advised to submit a complaint with CFPB. 
I am so upset that i have to pay {$140.00} per month for 8 years when the LTV is at 77 % based on original appraisal and 60 % or lower based on the lowest estimates of current home value. This is a giant rip off. there is no risk on this mortgage and there should be no insurance!
Consumer complaint received 2023-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (IL)

On XXXX at approximately XXXX i called into Wells Fargo to make a payment. I tried to make a payment on their website but they limit the amount you can pay on the website to under {$5000.00}. On my call i was told they will not accept a payment higher than that amount unless the loan is paid in full. That cant be legal or in compliance with my loan terms to not allow early principal repayment in the arbitrary amount of over {$5000.00} but less than the full payoff amount. They are calling it their policy but are breaking their loan terms effectively charging prepayment penalties because if i have to pay it off more slowly in smaller chunks i will get charged more interest in doing so.
Consumer complaint received 2023-04-20
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. (IN)

I asked the credit bureau to identify the accounts reporting, and I was sent a letter stating that everything was accurate. After refreshing my report, I found improper accuracies even after they said that they did a full sweep. 

Here are the accounts : XXXX XXXX Account XXXX XXXX. XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX. XXXX Account XXXX Please remove it from my credit report. 
XXXX. XXXX Account XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Account XXXX In accordance with the Fair Credit Reporting Act Convergent Accounts listed above, 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 an account without my written instructions.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

To Capital one 360 Investigation numbers XXXX AND XXXX I'm very upset that my claims were denied. I was trying to get XXXX on my tv and called what I thought was XXXX. The guy who called me XXXX XXXX had me do all this stuff on my phone and sure enough he got XXXX on my tv. The charge was XXXX. He was polite and respectful. Than he had me go to XXXX and type in XXXX. I questioned this but he said they had to verify my account. At this point I trusted him cause he got my tv working. Than he had me go to XXXX and put in another XXXX. I was getting very suspicious at this point and he said XXXX XXXXXXXX we have to put the money back in your account. Once that was done he hung up on me. I tried calling back several times no answer. This man was a scammer who took advantage of a XXXX XXXX XXXX woman on SS. I am very very upset. Im not on top of technology and never never agreed to this. There are XXXX XXXX charges to a guy XXXX. If I dont get money back for this I will never use capital one again and I will go a step further. I trusted capital one. I have credit cards with you than decided to open a checking account. This is outrageous and he was so smooth. I hope we can resolve this. I.cant even pay my mortgage. 
I look forward to your response. Ty Sent from XXXX XXXX on XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (PA)

The Civil Rights Division of the Department of Justice, created in 1957 by the enactment of the Civil Rights Act of 1957, works to uphold the civil and constitutional rights of all persons in the United States, particularly some of the most vulnerable members of our society. The Division enforces federal statutes prohibiting discrimination on the basis of race, XXXX, XXXX ( including XXXX, XXXX orientation, and gender identity ), XXXX, religion, familial status, national origin, and citizenship status. This is a direct violation of the laws
Consumer complaint received 2023-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

On XX/XX/2023, I mailed Resurgent Capital Services L.P/LVNV Funding LLC an initial letter requesting full debt validation of the alleged debts in question : Account # XXXX, # XXXX, # XXXX, # XXXX ) via Certified Mail. Resurgent Capital Services L.P/LVNV Funding LLC received my initial letter on XX/XX/2023. After XXXX days, I did not receive a response from Resurgent Capital Services L.P/LVNV Funding LLC , so I mailed my second letter requesting full validation for the alleged debts in question again via Certified Mail on XX/XX/2023. Resurgent Capital Services L.P/LVNV Funding LLC received my second letter on XX/XX/2023. After waiting for an additional XXXX days, Resurgent Capital Services L.P/LVNV Funding LLC failed to send their responses. 

On XX/XX/2023, I received a letter from Resurgent Capital Services L.P. stating that the alleged debt was placed in their prelegal collection track on XX/XX/2023 and will soon be reviewed for further action and may be forwarded to an attorney to review for possible lawsuit. I have never received any correspondence for my previous requests for proper debt validation of said debt from Resurgent Capital Services L.P. and now I am being threatened with legal action when this company has yet to properly validate alleged debt ( s ). Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify the alleged debt ( s ). I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified mail. These debts are not mine and I was given no evidence of my obligation to pay this debt to this collection agency. As a consumer, it deeply concerns me that, despite my written disputes and the absence of proper debt validation, Resurgent Capital Services/LVNV Funding LLC has continued to report these alleged debt ( s ) on my credit reports as of XX/XX/2023, which is considered a collection activity, according to 15 U.S.C. 1692g ( b ). This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress. I do not know who Resurgent Capital Services/LVNV Funding LLC is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt ( s ) nor do I agree with these alleged debt ( s ) on my reports as I never signed anything with such agency.
Consumer complaint received 2023-05-07
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. (HI)

In accordance with the fair credit reporting act XXXX ( account number 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 written instructions
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to car dealership and ask them to run my credit report for one lender, however I have multiple inquiries without my consent. In accordance with FCRA section 611, these companies violated my right to privacy and my consumer rights! 

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