davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-05
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. (AR)

Its been over 9 months since I have been going back and forth with Transunion over several accounts, reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Transunion but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX XXXX XXXX XXXX XXXX, 2. XXXX XXXX # XXXX also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Transunion has clearly violated my rights as a consumer under sections 605b, 609, and 611. These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Transunion and will provide if necessary.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MS)

Thank you for your timely response to my recent complaint. In your letter your stated that I have a right to : Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by her to whomever has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Consumer complaint received 2020-04-05
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: Experian Information Solutions Inc. (AR)

Its been over 9 months since I have been going back and forth with Experian over several accounts reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Experian but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX  XXXX # XXXX, 2.XXXX XXXX  XXXX # XXXX , 3.XXXX XXXX XXXX # XXXX, 4 . XXXX XXXX # XXXX.There also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Experian has clearly violated my rights as a consumer under sections 605b, 609, and 611. These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Experian and will provide if necessary.
Consumer complaint received 2020-04-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MO)

Freedom Mortgage is not following the CARES ACT that was signed into law by President Trump. As of XX/XX/XXXX, They are still asking for documentation in order to validate the claim of Hardship due to Covid-19 such as Financial Reports and Bank Statements. They are also not willing to implement the COVID-19 National Emergency Partial Claim, an option to be used by servicers when the COVID-19 forbearance period ends and telling borrowers they will have to pay all 6 months of mortgages after the forbearance period ends.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX, Reference # XXXX XXXX XXXX  XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-05
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: Medical Data Systems, Inc. (GA)

MEDICAL DATA SYSTEMS I Original creditor : XXXX XXXX XXXX HOSPITAL {$6400.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2022-04-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (KY)

Between XX/XX/XXXX to XX/XX/XXXX, I recieved a total of ( XXXX ) payments into my Navy Federal Savings account for {$190.00} each. I immediately called Navy Federal and asked why the money was being put into my account. The lady on the phone assured me that everything was right, there were no notes on my account and there had been a discrepancy discovered during my ATM withdraws and this was a correction for the error. The lady told me I would be recieiving a letter in the mail explaining in more detail and not to worry about it. She also told me to call XXXX XXXX XXXX if I needed more information. I then got off the phone and called XXXX XXXX XXXX. I was again told that there were no notes on my account and everything is fine. I actually called XXXX XXXX XXXX twice between XX/XX/XXXX and XXXX. I did receive the letters in the mail from Navy Federal explaining that there had been a issue with my ATM withdraws and that the money was placed into my account for the error. I did not know what instance this was talking about but I went along with it because I had done my part by reporting the error to Navy Federal and XXXX XXXX XXXX. As of yesterday XX/XX/XXXX. I checked my bank account and my checking account was - {$980.00} and my savings account was - {$930.00}. I immediately called Navy Federal and they stated they didnt know what was going on. They also stated that a provisional credit was given to my account but couldnt explain why. They stated I had disputed ATM withdraws but when they looked at my account there were no disputes on record. ( I had never disputed any ATM withdraw. ) Navy Federal evened out my checking account to a {$0.00} balance but they are saying I still owe - {$930.00} in my savings and I still have no idea why? Please help.
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. (TX)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

Good morning my name is XXXX XXXX and I'm writing to report a collection agency trying to collect a debt for XXXX XXXX. 
I wrote to XXXX XXXX in the past requesting validation of the alleged debt and I never received anything from then, now almost XXXX XXXX later Radius Global Solutions LLC sent me an email and a letter through the mail asking for payment. 
I been through complete XXXX trying so hard to clean and restore my credit, even my unemployment benefits were stolen. I had to do an XXXX verification process to prove my name Even after all of that I didn't get paid Please help me to correct this situation, is causing me tremendous XXXX XXXX XXXX  I can't believe these companies don't verified the information before they harass people.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OPORTUN FINANCIAL CORPORATION (NY)

I had been a client for quite some years with Oportun. I had Automatic payment enabled. All of sudden I started seeing on my bank statement transaction with Merchant name XXXX XXXX. I have planet fitness subscription but they actually label it. After receiving an email for payment not received, I contacted billing department since I have had automatic payment set up. My bank had put a stop payment on XXXX XXXX since they also thought it was a fraudulent transaction. I was supposed to get a call back to explain the issue and to resolve it. I did not receive any calls or emails or voicemail. Saw on my credit report that I have late payment showing. Also they had my account under review since XX/XX/year> and they decided to close it after their review in XXXX. They did not let me know the reason why my account was under review. They did not provide the results of their review.
Consumer complaint received 2020-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (SC)

On XX/XX/2019, my husband cashed a check for {$3500.00} from a financial company, XXXX XXXX, that was made out to me, without my knowledge. He received the check in the mail as per their marketing. The check was in my name, but he had no problem cashing it, even though on the check it says you need two forms of ID. He even forged my signature on the back. 

The company says that I am responsible for the amount because it was my husband who cashed it. 

It is unacceptable that it was so easy for him to cash that check. I should not be held responsible for his actions. 

The only way that I found out about it, was that XXXX XXXX sent a letter to me in XXXX saying that payment was past due! I called them and they told me that sure enough, someone had cashed a check that they had sent in the mail. But because I knew the person who had cashed it, they could do nothing about it.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MO)

1 ) Sold my XXXX XXXX, and funds deposited back to Citibank account 2 ) XX/XX/XXXX, Tried to withdraw money from Citibank account a few times, but all attempts were unsuccessful even with the help by the Citibank rep during 2 phone calls. 
3 ) XX/XX/XXXX, I lost access to my account, and was told the account was being closed, and I would be getting a check in 30 days for the fund in my account 4 ) XX/XX/XXXX, Called Citibank for status of the check, was told that it's being processed, and no account balance info could be provided 5 ) XX/XX/XXXX, Called Citibank for status of the check, was told that no updates from back office, and would send an expedized request, and again no account balance info could be provided 6 ) XX/XX/XXXX, Called Citibank for status of the check, was told again that no updates from the back office, and would send an expedized request, and again no account balance info could be provided It's been over 4 months, no communication received from the bank regarding the account closure, and since I no longer has access to my account, I has been kept in dark of any info on my account. I'm deeply concerned about the safety of my funds.
Consumer complaint received 2024-03-18
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. (NM)

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 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have attempted several times to resolve the issue of inaccurate/ fraudulent identity theft information on my credit report about a bankruptcy filing. I have asked Transunion to provide me with proof of the claim and nothing happened. I asked them to remove the inaccurate bankruptcy claim several months ago and I have been fighting with this situation for 6 months now. I referenced the Fair Credit Reporting Act and apparently it is being disregarded.
Consumer complaint received 2022-04-15
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (NY)

I have reported to FORTIVA customer service every month. I have been in hospital with XXXX  since XX/XX/XXXX I lost my ability to XXXX XXXX XXXX XXXX. I notified this company OVER AND OVER that i was in hospital wiht XXXX and still being affected by pandemic in more ways than one. Now, I call there today to once again tell them that I am still affected by XXXX  as i contracted XXXX  again and am still with the XXXX XXXX XXXX that originated from XXXX I am XXXX XXXX XXXX XXXX  and to try and keep the life i had XXXX XXXX so when i come home i am able to live my life. HOWEVER, THIS COMPANY FORTIVA CLOSED MY ACCOUNT AND SENT IT TO COLLECTIONS EVEN THOUGH BOTH MYSELF AND THE CFPB NOTIFIED THEM OF COMPLAINT PRIOR TO TODAY THAT I HAVE BEEN AFFECTED BY XXXX their customer service now told me they closed my acct on XX/XX/XXXX EVEN THOUGH THE COVID CARE ACT SAYS THEY CAN NOT PUNISH ME FOR HAVING XXXX AND I HAVE NOTIFIED THEM EVERY MONTH AS REQUIRED BY LAW. THEY ARE BREAKING THE LAW AND HURTING MY CREDIT SCORE WITH THEIR FRAUDULENT BEHAVIOR. I DEMAND MY ACCOUNT RESTORED AND PUT BACK IN GOOD STANDING AS YOU CAN NOT PUNISH ME FOR HTE PANDEMIC. I DEMAND ITS IMMEDIATE RESTORAL OR I WANT CRIMINAL CHARGES FILED AGAINST THIS COMPANY I HAVE MADE SEVERAL COMPLAINTS AND THEY LIE TO YOU TELL YOU NONSENSE AND DO HORRIBLE THINGS TO CONSUMERS THERE ARE COMPLAINTS EVERY WHERE I DEMAND THE RESOLUTION NOW. IF THISIS NOT FIXED EXPRESSLY AS I REQUEST I WILL FOLLOW THRU AND I WILL ALSO GO TO NEWS STATION TO REPORT HOW I AM XXXX TRYING TO XXXX XXXX XXXX XXXX I SENT PROOF TO YOUR COMPANY HOSPITAL DOCUMENTS AND ALL AND YOU EVEN EMAILED ME BACK STATING YOU WERE FIXING THE PROBLEM INSTEAD YOU DID SOMETHING ILLEGAL - RESTORE MY ACCOUNT AND PLACE IT IN GOOD STANDING OR I WILL BE FILING CHARGES IMMEDIATELY AGAINST YOU. I DEMAND CFPB INVESTIGATE FORTIVA AND ITS SUPPORTING BANK IMMEDIATELY.
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have contacted XXXX  and Equifax numerous times to tell them to please remove my XXXX student loan from my account. This student loan was co-signed with my father. He has filed for Bankruptcy and this loan was discharged during bankruptcy for him and myself. It should no longer be on my credit report. XXXX no longer has any information about this account because it was discharged during my father 's bankruptcy, which is no fault of my own. As such, the account should be removed from my credit report and should not be put as discharged on my credit report because it was discharged because of my father 's bankruptcy.
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There's a factual inaccuracy on my credit report showing a balance of {$12000.00} but this debt has already been sold so it should be presented as a zero balance since the debt has been sold and off their income sheet. 

Furthermore, they are presenting false Account Number as # XXXX this direct violation of Section 609 ( a ) ( 1 ) : Information to be disclosed : Advisory Opinion to Darcy ( 06-30-00 ) stating : " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file. '' They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC (MD)

XXXX and FMS Financial Solutions are committing multiple criminal acts by attempting to collect a false debt. Recently FMS Financial Solutions with the assistance of XXXX credit reporting agency, disguised FMS Financial Solution as a bank in order to pull my personal information and place a hard inquiry on my credit file as if I applied for a line of credit ( XX/XX/XXXX ). This is a direct violation of the FDIC, FDCPA and FCRA. This is proof that XXXX is engaged in criminal activity for profit and gain. Litigation is forthcoming for sommer of XXXX. I demand this tradeline and hard inquiry be removed immediately in order to stop XXXX from being engaged in this type criminal behavior.