davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Bureaus, Inc. (PA)

The Bureaus XXXX company is attempting to collect on a debt that has been discharged in bankruptcy. I spoke with an individual in this company on XX/XX/XXXX and he agreed that the card was discharged in bankruptcy and that he was sending the information over to another department and I would hear back.

After not hearing back by XX/XX/XXXX, I called again and left a voicemail. No response. 

Currently I am attempting to move closer to a specialized XXXX hospital, this collection account that should not be here, is impacting my ability to find housing, forcing me to drive 3 hours each way to the hospital for treatment. 

Even the original creditor has this marked as discharged in bankruptcy on my credit report.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (FL)

To whom it may concern : According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed. I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form SETOYOTA FIN DBA OF WO ( XXXX ) - ( XXXX ) XXXX SETOYOTA FIN DBA OF WO ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2023-05-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION (VA)

Per UCCC 3.301 ( 1 ). The financing bank was acting illegally. Regional acceptance corporation was only the assignee to a sales contract and therefore committed a crime by taking security in addition to the purchased automobile. XXXX XXXX XXXX v La Joie ( Okla ) 537 P2d i207, 86 ALR3d 309
Consumer complaint received 2021-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/XXXX I deposited {$290.00} cash at the Huntington Bank on XXXX XXXX XXXX Ohio. After awhile it told me to contact my financial institution, kept my cash without it being deposited into my account. XX/XX/XXXX I go into the branch and they tell me I have to wait until XXXX comes in to service the atm and that someone would call me. Saturday XX/XX/XXXX I go back into the branch, to find out XXXX had serviced the atm but I still dont have my money. I had to file a dispute. Thursday XX/XX/XXXX I go back into the branch and was told I would have my money at the end of the business day. Nothing. Called the next morning and then was told I would receive it at the end of the business day yesterday. Again no money. I need my {$290.00}. Im tired of the lies after lies and poor customer service.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$12000.00}, XXXX, XXXX. XXXX .... Opened Date XX/XX/XXXX Balance {$800.00}, XXXX BANK XXXX XXXX XXXX XXXX. Opened Date XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$19000.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$11000.00}, XXXX XXXX XXXX .... Opened XXXX XXXX, XXXX XXXX {$2500.00}, and XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$0.00}.
Consumer complaint received 2020-03-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (ID)

Good Afternoon, My mortgage was sold from XXXX to M & T Bank ( against my will ). 

I understand that XXXX has the right to sell my mortgage to other companies, but I thought the new company was supposed to offer the same ( or similar ) servicing options. 

M & T Bank has had multiple technical issues with their website almost immediately after the transfer. During the Covid-19 crisis, it's not allowing for payment forbearance or deferment. They do allow you to fill out a 5-page form requesting assistance ( which may or may not be given ). 

Meanwhile, XXXX allows you to simply click on your financial account ( or mortgage ) and skip 3 monthly payments without impacting your credit or assigning late fees. 

I believe this is against the current regulations regarding the sale of mortgages to other institutions ( or at least the spirit of the law ). 

We didn't want our mortgage sold, and now it's been sold to an institution that is offering fewer services and options. This situation is magnified even more during a crisis where we all are struggling to stay healthy and acquire food. I believe this action is not only illegal, but at the very least uncompassionate and un-American. 

Thanks for your time, XXXX
Consumer complaint received 2021-03-20
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. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-03-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Secure Lending Incorporated (OH)

In XXXX, 2019 we applied for a mortgage loan with Secure Lending Services located in XXXX XXXX in XXXX Ohio. We submitted all documents. Few weeks later we start receiving letters of being " approved ''. Time goes by and closing date is not given to us.They start asking again and again for the same documents. One excuse after the other. Finally they ask for down payment which we wired to title agency. Another 2 months go by. More documents asked for. They pulled my credit 7 times without my authorization for the last 6.  They called saying they needed money so they can pull my credit again, that's where i draw the line and say NO. Appraisal done, documents submitted, down payment wired, and still no closing date. I decide to drop the deal and I call them and let them know. Then i start receiving texts and emails from them saying how they just need one last thing and that we should be able to close the deal. I had nothing else to tell them so I don't reply to messages. I had 2 brokers work on this matter and they where very irresponsible and unprofessional. I have a ton of documents, texts and emails to prove all of this which i could submit. They kept blaming FHA for the deal not closing. While I am filing this complaint i just open a letter from my mail and it is from them stating that they denied my loan for being incomplete.
Consumer complaint received 2024-04-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (MS)

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Certified letters were sent on those specific dates to XXXX, XXXX, and XXXX to validate an account with Exeter Finance from XX/XX/XXXX. No documentation has ever been provided to me to validate anything after repeated attempts. The only information I have ever received was un updated credit report from the three bureaus listing the referenced account as " verified. '' I want this account removed from my credit report as it is already passed the statute of limitations and there has never been an official validity provided to me as the consumer which I have a legal right to.
Consumer complaint received 2024-01-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Data and Contact Management Solutions, LLC (NY)

I received what appeared to be a certified letter requesting payment of an unpaid balance of {$1400.00} from my recently deceased Mother 's estate. I called the number and spoke with someone at dcm services. After I asked a couple of questions, the person transferred me someone else and the call was disconnected. I immediately called back and I spoke with an operator who transferred and the call was dropped again I immediately called back and after pressing the operator I left a message for XXXX XXXX whose name was on the letter. No one has called me to discuss the situation. I took the letter to the local USPS facility and had the certified letter investigated. The postage paid was XXXX cents although the letter has an amount of {$7.00}. I have asked the USPS to investigate a fraud claim, I have not heard any details if they are pursing the case.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 
Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I previously disputed addresses on my credit report that I have never lived at or belong to a family member. 

My current address is XXXX XXXX XXXX. XXXX . XXXX, XXXX, OH XXXX PLEASE REMOVE THESE INCORRECT ADDRESSES : XXXX XXXX, XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX NY,XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN,XXXX XXXX XXXX XXXX MN XXXX NONE XXXX OH,XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXXNC, XXXX XXXX XXXX XXXX XXXXNC, XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXNC , XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX NY,XXXX  XXXX XXXX XXXX # XXXX XXXX NY XXXX MY CORRECT NAME IS XXXX XXXX - PLEASE REMOVE THESE NAME VARIATIONS : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX , XXXX, XXXX , XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MI)

XX/XX/2020, BSI Financial Services purchased my mortgage. My homeowner insurance payment was due in XXXX. They did not pay it. I called and informed them of the situation, and told them I would hold the liable for anything that happened to my house while the insurance lapsed since it was their responsibility. My insurance agent ( XXXX ) contacted them and sent them the information to get the payment made. I was told by BSI that I needed to do nothing else and that it would be taken care of. 

XX/XX/XXXX, I receive a letter from BSI dated XX/XX/XXXX, stating that they are going to purchase homeowner 's hazard insurance since my insurance expired. I spoke to " XXXX '' from BSI and explained to him that this was supposed to be taken care of and that they have control of my escrow. I asked why they didn't do it and was put on hold while he called my agent. I was then told it was because I didn't sign a paper as required by my insurance agent. I conference called my agent with " XXXX '' on the line. My agent told " XXXX '' that he was lying and that he just called and was told they have a record of sending the required information to BSI in XXXX and have been trying to get them to release the funds. Now, since BSI did not pay my insurance on time, I have to reapply and my house insurance is going up approximately {$190.00} / year. My agent said it would not have gone up if BSI paid when they asked and when they were supposed to pay and not allow it to lapse. 

I called " XXXX '' back and explained in a heated conversation that BSI owes me the {$190.00} dollars since they failed to pay the insurance from my escrow. He relented and agreed. I asked for documentation stating this and he did not agree to that nor have I seen any documentation. 

I checked their website, and my escrow still has the funds for my insurance company listed even though they were supposed to overnight a check to reinstate my insurance. 

Please help. 

My insurance agent is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX My mortgage company is : BSI Financial Services XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan Number XXXX
Consumer complaint received 2020-03-15
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. (NV)

These are not my accounts, nor did I authorize these credit inquiries to be pulled from my credit profile. Additionally, there are some names that I don't recognize on my personal data, and I did not file bankruptcy.
Consumer complaint received 2023-03-04
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. (IL)

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. 

XXXX XXXX XXXX XXXXXXXX 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 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 2023-01-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

The County Tax Appraiser did a review on value of my home due to hurricane Ian damage and The County Tax Collectors office issued a refund. Per the Collectors office a refund check was issued to my mortgage broker, Mr. Cooper and check was cashed & cleared on XX/XX/24. I have called my mortgage company Mr.Cooper at-least 2X week and each time is a new excuse. It has been 2 months since they received, cashed and deposited that check into THEIR account but I have not received a refund nor have they posted it back into my escrow. They have been holding my money for 2 months without resolution. Last call to mortgage company Mr. Cooper - I was told check was mailed XX/XX/24. It is XX/XX/XXXX and I have not received that check.
Consumer complaint received 2023-01-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2020-03-15
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. (NY)

I have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So I sent the letters certified. The same letters just certified. 

My reason for contacting them was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB