davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-08
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: Navient Solutions, LLC. (MO)

XXXX XXXX is frivolously reporting information on my credit report I appealed the original debt as XXXX made numerous errors. 

1. I was a XXXX XXXX XXXX and their counselor failed to add me as a XXXX XXXX XXXX therefore messing up my student loans and grants 2. I filed an appeal and was advised by XXXX Bursars office I could attend the hearing in person to show evidence and dispute this debt however was not permitted to do so therefore had NO due notice and violated my constitutional right to defend my case in person 3. XXXX is being investigated for Falsifying information on my student loan application 4. This debt is the fault of XXXX and not mine due to their errors and a lawsuit may be filed in XXXX County Mo asking this debt be dissolved This collection was on my report before and taken off by credit agency therefore pursuant to the FCRA needs deleted indefinitely
Consumer complaint received 2017-11-08
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. (MO)

XXXX XXXX is frivolously reporting information on my credit report I appealed the original debt as XXXX made numerous errors. 

1. I was a XXXX XXXX XXXX and their counselor failed to add me as a XXXX XXXX XXXX therefore messing up my student loans and grants 2. I filed an appeal and was advised by XXXX Bursars office I could attend the hearing in person to show evidence and dispute this debt however was not permitted to do so therefore had NO due notice and violated my constitutional right to defend my case in person 3. XXXX is being investigated for Falsifying information on my student loan application 4. This debt is the fault of XXXX and not mine due to their errors and a lawsuit may be filed in XXXX County Mo asking this debt be dissolved This collection was on my report before and taken off by credit agency therefore pursuant to the FCRA needs deleted indefinitely
Consumer complaint received 2021-12-14
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. (LA)

Good day! I am XXXX XXXX and I have been sending letters to report accounts on my credit report that are inaccurate. Also the inquiries that I am not aware of is giving me a hard time. I have been sending letters to verify these and I received no response but yet it is still in my credit report and it is hurting my score.
Consumer complaint received 2021-12-14
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: Radius Global Solutions LLC (NY)

Radius Global Solutions  is reporting a fraudulent account on my credit. I called Radius on XX/XX/XXXX and informed them that this account is not mine. They tried to find the account using my social, and name but were unable to locate the account. They were able to eventually locate the account using my maiden name and an old address. I informed them that this debt is not mine, and they gave me the option to file a fraud claim ( which could take uto 90 days or just to pay the account. They said that once the account is paid it will be removed from the credit. I decided to pay the account instead of going through the fraud steps, as it would take long. Radius MISLED ME AND instead of removing the account from my credit, they marked it as a paid collection. PLEASE REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT!!!
Consumer complaint received 2019-11-23
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: Professional Credit Management, Inc (AR)

I sent a certified procedural verification letter dispute # XXXX XX/XX/19 requesting documentation of proof of the accounts referenced in the letter to be valid and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that E-oscar is unacceptable for verification procedure. However, all I received was a copy of my credit report stating The company has reported the information has certified to XXXX  that the information is accurate or updated This is NOT acceptable. I have not received any information from anyone to verify these accounts. I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
Consumer complaint received 2022-10-12
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

BanK XXXX XXXX CARD # XXXX, DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights XXXX 

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.

The Credit bueau reported these accounts as verified. With no proof or validation records!!
Consumer complaint received 2017-11-08
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: EQUIFAX, INC. (IN)

In XX/XX/XXXX, I applied for financing through XXXX XXXX XXXX XXXX XXXX, a used car dealership, online. I got a phone call from a XXXX XXXX employee asking to send XXXX XXXX XXXX an email with my written consent to run my credit score to determine eligibility. I specified that I only authorized XXXX XXXX XXXX to run my credit. My credit score was run, and I was approved for financing, although for a different car than the one I applied for. I received a notification on my cell phone via the XXXX app stating that my credit score had dropped. After checking my report, there were XXXX other hard inquiries on my credit report from various banks/financing offices that I did not authorize to run my credit score. These reports were all run on the same day, XX/XX/XXXX. My credit score dropped about 100 points because of these hard inquiries. XXXX XXXX XXXX, in XXXX, Indiana was another car dealership that I authorized to run my credit, whom I previously applied for financing with last year and nothing like this happened. I have contacted XXXX XXXX XXXX two times with no reply.
Consumer complaint received 2021-12-14
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. (VA)

CFPB ... ... .. Experians response is UNACCEPTABLE!!!!!!!! Please see attached. You allowed them to close out the complaint stating that there was an unauthorized third party? How? The consumer, which is myself submitted the request with all supporting documentation. Please ensure that the complaints are being fully addressed and you are not allowing these companies to just close out without any remedy.
Consumer complaint received 2017-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In XX/XX/XXXX, I applied for financing through XXXX XXXX XXXX XXXX XXXX, a used car dealership, online. I got a phone call from a XXXX 's employee asking to send XXXX XXXX XXXX an email with my written consent to run my credit score to determine eligibility. I specified that I only authorized XXXX XXXX XXXX to run my credit. My credit score was run, and I was approved for financing, although for a different car than the one I applied for. I received a notification on my cell phone via the XXXX app stating that my credit score had dropped. After checking my report, there were XXXX other hard inquiries on my credit report from various banks/financing offices that I did not authorize to run my credit score. These reports were all run on the same day, XX/XX/XXXX. My credit score dropped about 100 points because of these hard inquiries. XXXX XXXX XXXX, in XXXX, Indiana was another car dealership that I authorized to run my credit, whom I previously applied for financing with last year and nothing like this happened. I have contacted XXXX XXXX XXXX two times with no reply.
Consumer complaint received 2017-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MN)

In XXXX 2014 XXXX XXXX XXXX have a collection account in my name from XXXX doctors in the amount of {$80.00} and it 's reporting on my Equifax credit report. This debt does not belong to me and I have reached out 3 times asking for them to provide documentation showing this debt belongs to me. All they ever send me is a response stating this debt belongs to me, without any documentation to back up the claim that is false. This is a debt that should not even exist my child had medical coverage and my insurance covered this and it was paid in full. I have reached out to them by mail on 3 separate occasions and they are not complying and most of all they are " VIOLATING THE HIPPA LAW '' I am demanding them remove this debt off my credit as this is not an outstanding debt of mine!! Please have this removed ASAP as they are violating the HIPPA law
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WI XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX  Balance : {$240.00} XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX  XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$20.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX - XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX  Balance : {$410.00} XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$310.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX FIN Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : 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 Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX : XXXX XXXX, XXXX.
Consumer complaint received 2017-11-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Dynamic Recovery Solutions, LLC (PA)

Not given any insight into this debt. 

XX/XX/XXXX - received a request for payment from " Dynamic Recovery Solutions '' XX/XX/XXXX - i responded with a debt validation letter to confirm i have a legal obligation to pay them. 

XX/XX/XXXX - XXXX received an anonymous phone call from a 3rd party shipping company to sign documents. was told to call " XXXX XXXX '' AKA " XXXX XXXX '' @ XXXX that only they can arrange another shipping time. 
XXXX 1st phone conversation @ XXXX, the representative refused to provide an address to send a debt verification letter to dispute their claim. When i advised that the time they chose to deliver the documents is inconvenient, i was told it will be more inconvenient when they take me to court. I asked if he could provide documents of the debt. The XXXX XXXX responded that i will see the documents in court. 

XX/XX/XXXX - XXXX received a 3rd party mail service package. contents are from " Dynamic Recovery Solutions '' requesting payment. I called XXXX as directed in the documents. Representative " XXXX XXXX '' from " Dynamic Recovery Solutions '' advised that they have owned this account since XX/XX/XXXX and no one else. 

XX/XX/XXXX - XXXX called back " XXXX XXXX '' and advised of the package received. representative advised they they own the chain of title and they will see me in court.
Consumer complaint received 2024-03-10
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. (CA)

Dear Transunion In accordance to the Fair Credit Reporting XXXX XXXXXXXX XXXX XXXXXXXX XXXX  # XXXX violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX, Transunion, and XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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. Sincerely XXXX XXXX XXXX
Consumer complaint received 2021-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group (IL)

I have no debts ( never have ) and continue to receive phone calls from an automated system that wants me to call XXXX. The message states they are a debt collector called Superlative RM. 

These calls started 2 or 3 months ago and are received once or twice a week. No reason is given for the call other than stating they are a debt collector.
Consumer complaint received 2022-11-07
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (CT)

On XXXX occasions I have paid my past due balances in chunks to fit with current pay structures. Typically XXXXXXXX XXXX worth of loan payments sit past due as I continue to catch up, however I am very diligent in making sure they do not cross the XXXX XXXX delinquency mark as that is when it gets reported. Discover has never had a problem with me handling it this way, as it prevents me from surprise overdrafts and allows me to pay when I get paid. In the XXXX of XXXX, XXXX XXXX of payments were made, the later XXXX  on the XXXX I believe. On the recorded phone call which I made the payment over, you can clearly hear the operator state that the payment would process and my account would not be over the XXXX XXXX delinquency. I verified this verbally again with the operator and was assured that having made these payments my credit was not being affected. About XXXX XXXX after the payment was made they reported it Delinquent and hit my XXXX XXXX for over XXXX points. XXXX to be exact. It took me a XXXX or XXXX to notice and once I did I immediately reached out to rectify/clarify the situation. All past due payments were either made or scheduled. They have an open investigation into the situation currently ongoing, however I wanted to make sure I filed here as well because I have heard from others that Discover can be hard to work with. Any help restoring this would be greatly appreciated. 

Thanks,
Consumer complaint received 2017-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

This is the third attempt to resolve the same and persistent issue I am having with Dovenmuehle regards a missing check for {$5500.00} they disbursed on XX/XX/XXXX. 

I am appealing to the CFPB to conduct an investigation into this. 
On XX/XX/XXXX I submitted to the CFPB a complaint to regards a missing check disbursed by Dovenmuehle. The compliant number was XXXX and I have attached a copy of that complaint ( Doc 1 ). The company responded on XX/XX/XXXX and the response is also attached to this complaint ( Doc 2 ). 

However missing from Dovenmuehles response were the important attachments cited in the letter and thus I deemed the response incomplete. These were also never received by mail either. I needed to see the copy of the check ( front and back ) to determine who and where it was deposited as I have never received nor cashed a check from Dovenmuehle and believe the burden of proof is on their side. 

On XX/XX/XXXX I submitted another complaint ( XXXX ) stating that this important document they supposedly attached, was, in fact missing. At this time I once again reiterated my request. On XX/XX/XXXX the company responded with a letter stating I would be mailed out both regular and certified mail ( Doc 3 ). 

As of XX/XX/XXXX I have still not received the information I have requested and feel as though this is a deliberate attempt to avoid providing the information. 
In addition to this lack of direct response Dovenmuehle consistently direct me to the new mortgage servicer ( XXXX XXXX XXXX ) for information. I have contacted XXXX XXXX XXXX and they themselves have not received any such escrow analysis from Dovenmuehle and their requests for this documentation have also been ignored. XXXX XXXX XXXX have suggested I file my case with the courts and that they would be willing to support my claims that Dovenmuehle have on multiple occasions failed to supply documentation on the handling of my mortgage while in their hands. 

I am requesting for a third time that Dovenmuehle provide to me a copy of the front and back of this check to confirm a ) if this check was indeed cashed, b ) who this was cashed by, and c ) the banking institution that cashed this check. 

Given uploading here and regular mail have failed I suggest that Dovenmuehle simply email all the documentation to me at XXXX XXXX XXXX to ensure that this is done in a timely manner. I would also like someone at Dovenmuehle to reach out to me directly by phone to help resolve this issue on XXXX XXXX XXXX.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

Made a payment on due date XX/XX/21 on account ending # XXXX XXXX XXXX XXXX XXXX. My checking account is showing that payment is pending, however Synchrony is reporting on their end as : " You have missed your payment due date. Please schedule a payment today ''. I have spoke with XXXX XXXX care XXXX ( refused to provide more identification ), and she stated that once they get the money, they will remove late payment status. Is anyone out there that can stop this people from reporting incorrect information on consumers? This is only bank that has shady practices. XXXX needs to get involved as well, because in that matter they are reporting year end incorrect information. Please help. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Security Credit Services, LLC (OR)

Security Credit Services have refused to allow me to seattle the account. I have provided all info for a medical hardship to seattle the account which they have refused. I have spoken with a XXXX XXXX she has been hostile and refusing to resolve.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (FL)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.