davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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. (MD)

I recently reviewed my credit profile and noticed inaccuracies/incomplete information and accounts that are unverified. According to the fair credit reporting act, Section 611 ( 5 ) ( A ) and 15 USC 1681i, the below convergent accounts have violated my rights as a consumer. These companies have violated several of my rights, as stated below.

Violated Rights 15 USC 1681a ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681a ( 2 ) ( a ) ( i ) - ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1692j ( a ) ( b ) - ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

15 USC 1681g ( a ) ( 5 ) - a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

18 USC 894a ( 2 ) ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

15 USC 2509j The full faith and credit of the United States is pledged to the payment of all obligations incurred under this section Company : XXXX XXXX XXXX Dates : XXXX - XX/XX/XXXX and XXXX - XX/XX/XXXX Action : Late payments illegally reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action : Violation of 15 USC 1681g ( a ) ( 5 ) " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Company : XXXX XXXX Dates : XXXX XXXX XXXX Action : Violation of 15 USC 1681g ( a ) ( 5 ) " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Violation of 15 USC 1681a ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2019-12-10
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: EQUIFAX, INC. (UT)

XXXX XXXX  # XXXX is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on my credit report.
Consumer complaint received 2019-12-10
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. (UT)

XXXX  XXXX  #XXXX  is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on my credit report.
Consumer complaint received 2023-07-14
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. (CA)

This is my formal complaint to EQUIFAX for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (CO)

Hi Team,I was staying in XXXX XXXX apt in XXXX ,MI from XX/XX/XXXX till XX/XX/XXXX. Due to a family emergency i left XXXX on the month of XX/XX/XXXX. i left some stuff in my apt, where XXXX XXXX hired profession to throw them away (As per my request) and charged me a final bill of $XXXX.I came back to USA in XX/XX/XXXX, XXXX XXXX XXXX XXXX called me and requested me to pay this amount in full. when i checked my credit score it came down since it has been reported to credit bureau.I contacted XXXX XXXX, they gave me a final bill and requested me to pay it direct to XXXX XXXX XXXX XXXX. i paid the amount in full, XXXX XXXX (XXXX XXXX) removed this impact and my score were normal in the month of XX/XX/XXXX.Now a new company called National credit system collection agency from XXXX,GA is requesting me to pay the same amount in full. when i sent them all necessary information, and told them that i had paid this amount in full through XXXX XXXX XXXX XXXX. But they again bought my score down in the month XX/XX/XXXX and requested me to repay the amount only then they will remove this from credit bureau.I humbly request team to investigate and kindly provide me a solution for this. I tried to contact club meridian apt but no response and this is going on for the past 3 months.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Ive previously file a complaint on this matter under case XXXX. 

This lender continues to provide grossly inaccurate escrow statements. After having called me and to confirm it erred in failing to pay my home owners insurance and thus resulting in a unnecessary, four times more expensive forced placed policy ... after having gone through this process with the CFPB, the bank still sent an erred escrow statement and claims its accurate, without regard to facts acquiesced in this case. 

The company sent its escrow statement after the comment period closed on this case. Now its refusing to provide an updated, accurate escrow analysis and overall account balance.
Consumer complaint received 2019-12-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (OH)

To whom it may concern,Citi of XXXX XXXX, NY found at online.citi.com mistakenly withheld federal tax on my personal savings account ending in ....XXXX for the amount of XXXX on XX/XX/2019.  They have neither reimbursed me nor issued a provisional credit and are in violating my rights afforded to me under Regulation E.  Initially I thought that maybe there was a new rule or requirement that they do so but that was not occurring on other accounts with other financial institutions.  I decided to inquiry to understand what that may have occurred.  On approximately XX/XX/2019 I reached out to them via in app messaging.  I was connected to "XXXX" at XXXX.  XXXX  told me that withholding tax takes place on accounts that are not W9 certified.  When I started asking questions they realized that "this is bank's error and we are now in the process of fixing it."  On XX/XX/2019 my monthly interest payment was applied to my account but the withholding still was not corrected.  I contacted them again on XX/XX/2019 via the in-app messaging and was connected to "XXXX" at approximately XXXX.  Jo said they were aware and I "may" get the money back by end of year.  I asked for clarification and was told they "are working on it" and have no firm date.  It seems apparent that they have resolved the issue which causes the system to withhold future tax as it did not occur in XX/XX/XXXXbut they have not made the customer, me, whole.It is my belief that they performed an electronic funds transfer in the form of a withdrawal from my account without my consent and in error.  Pursuant to Regulation E they have 10 days to resolve or issue me a provisional credit.  As they have identified the error they are required to fix it within 1 business day.  None of these actions were taken therefore I am filing a complaint of Regulation E violation.Thank you,XXXX
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Today ( XX/XX/XXXX ) i attempted to use my card and it was declined. The server at the restaurant tried to use it XXXX and it kept declining. I paid with cash and called the bank ( FIRST NATIONAL BANK OF OMAHA ). 

I immediately called the bank the same day ( XX/XX/XXXX ) once we left the restaurant at XXXX XXXX XXXX @ XXXX After i called the bank, the representative notified XX/XX/XXXX that my credit card account was closed due to HIGH RISK. 

I have held this account for XXXX years, with not one late payment ever, not to mention on any of my credit cards/bills EVER. My credit is FLAWLESS. 

My family income combined is over $ XXXX, and we own multiple properties worth over {$1.00} XXXX each. I HAVE NO IDEA what is so HIGH RISK about me or my account? Is it because of where I live, is it because of my race/culture? I was given no explanation.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (DC)

I contacted the company in regards to my credit report showing inaccurate and incomplete accounts information. Reporting to creditors and lenders different information than what's being showed on my credit profile. Also, accurate are reappearing after been deleted for statue of limitations or dispute them and no validation from the creditors. The original date of delinquency is not listed, payment history, amount owed or Collection Names of account hold. Also, there are several inquiries I am requesting to be disputed in while they prevent me from doing. I filed one dispute and need to do another but Experian refusing to allow me to do so. Please help me to result this issues. And because Experian reporting inaccurate information I getting denial letters, inquiries on my report and decrease in my credit scores
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

XXXX/Dovenmuehle Mortgage Inc,they are crooks and they committing fraud,trying to steal my home.XXXX concocted the fraud stating that they raised my monthy payment for almost $XXXX per month ,fraudulently stating that my real estate taxes doubled.(not the case).After numerous complaints,phone calls,letters,emails they stated that the increase was due to my home insurance (stating my home insurance is $XXXX   per annum (while in reality insurance is $XXXX).They continue sending me letters stating my home is being placed into foreclosure and fraudulently demanding extra $XXXX to be paid.myself and my family had to sell car,diamonds ,paintings and other valuables at the fraction of the price.Refinancing loan ,saving us $XXXX in mortgage during the life of loan  did not get through due to false credit reporting by XXXX.XXXX/Dovenmuehle is a fraud and need to be shut down in USA.Need your help to recoup financial  damages and this fraud of a company need to be shut down, or be highly overseen by government.
Consumer complaint received 2019-12-10
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. (CA)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  Credit reporting agencies (Experian  , XXXX , XXXX) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they posted on my credit report.  I demanded to see Verifiable Proof (an original Consumer Contract with my Signature on it) that have on my credit file of the accounts. After I kept disputing and sending letters, they have failure to positively verify those accounts that has been hurting my ability to obtain credit.   Under the FCRA, unverified accounts must be removed, and they are unable to provide me a copy of verifiable proof. They must remove those accounts which have been listed on my credit report.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (AZ)

I currently purchased from XXXX XXXX a vehicle. Some creditor denied because they say my credit score was XXXX. This information provided by SageStream LLC is totally false and incorrect. My credit score with all the mayor credit companies XXXX, XXXX  is higher than XXXX. 

SageStream which I personally did not know that even existed is providing false and inaccurate information.
Consumer complaint received 2020-01-16
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: Alliance Collection Agencies, Inc. (SC)

Upon obtaining my credit report I notice a derogatory collection account listed without my knowledge or permission to do so, which is an Impermissible Purpose to access my personal information without my consent. I've never contracted with this Alliance Collection Agency and do not wish to do any business with them. After gathering all of their information from my credit report I drafted a validation letter to get a certified copy of the original contract that was signed by me to agree to do any commerce with Alliance Collection Agency. To date NO valid contract or proof of obligation was sent to my address.
Consumer complaint received 2022-11-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (GA)

I had a private student loan that was paid and full, the debt was bought by another company and they are stating I owe interest. But the amount was paid in full. Now it has been sold again to Navient and it is a balance on the account that I do not owe. I tried to reach out to the original loan holder and they no longer exist. and when I reached out to Navient they said when I mailed in the pay off amount in the time the check got to the original owner of the loan I incurred interest. which is not possible. They gave me an amount and a pay off date, not the new debt holder but the original owner of my private student loan. this information is incorrect.
Consumer complaint received 2020-01-16
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)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. 
My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. 
My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. 
My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (MD)

RE : Southwest Collections Account # XXXX Collecting for XXXX The account was opened on XX/XX/XXXX I have been trying quite some time to get validation on this alleged debt. The firm has placed a collection in the amount of {$1400.00} on my credit report. When I called I was informed that the amount was for equipment and for service. While I may have an amount due for services I do not owe for equipment. When I contacted Southwest about this I was informed that the documents they possessed stated that the debt was for both and therefore that is what they are collecting for. It was suggested that I might contact XXXX and get documentation showing that I returned the equipment. This is the 2nd collection company they have put on my credit report. 

I called XXXX on XX/XX/XXXX and requested that they investigate this account. 
I spoke with XXXX and was informed that it would take about a five days for them to find the records. 
I called back in XXXX to find that they still had not completed the investigation. 
On XX/XX/XXXX they stated the bill did not include equipment but the last bill from them dated XX/XX/XXXX stated a credit for XXXX and a bal owed of XXXX which was for equipment which I returned to the XXXX  office. They also have a new billing system that started in XXXX so they can't locate the equipment. 
Now I'm being told that I own XXXX and that amt has nothing to do with equipment but I have a bill that states I don't owe that amount. According to this bill I own them nothing. I have sent the attache bill to them on XX/XX/XXXX and have yet to get a response.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC (TX)

Approximately 3 years ago I joined a health club Named XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. Assuming I was signing a regular membership agreement I signed up. 
After a few months resigned membership but they continued to debit my bank account. 
I contacted the management it was then I learned that I had signed a one year contract. 
This was not disclosed when I joined and this is a rarity in this industry. So. They said I owed XXXX $ to terminate. Then they added XXXX $ in late fees and junk fees. This is fraud. 
After a few months they sold the contract to XXXX XXXX XXXX. in XXXX Utah a collection agency. Account XXXX Upon investigation of XXXX XXXX I learned they have an F ratingawith multiple complaint s At the XXXX
Consumer complaint received 2024-05-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Attended the XXXX XXXX in XXXX. During this time the XXXX XXXX was owned by XXXX. 

Navient sent an application to me on XX/XX/XXXX for forgiveness of my loans for school misconduct. On XX/XX/XXXX Navient denied my application. 

Navient continues to disfranchise borrowers who were taken advantage of by for-profit schools, that even our government has admitted, defrauded borrowers. 

In XX/XX/XXXX, The U.S. Department of Education, which reviewed evidence provided by the attorneys general of Iowa, Massachusetts and Pennsylvania, concluded that the XXXX  and its parent company, the XXXX XXXX XXXX, or XXXX, made pervasive and substantial misrepresentations to prospective students about post-graduation employment rates, salaries and career services. 

For more than a decade, hundreds of thousands of hopeful XXXX  borrowed billions to attend XXXX XXXX XXXX and got little but lies in return, U.S. Secretary of Education XXXX XXXX said in a statement. 

Beginning in XXXX, XXXX then as XXXX XXXX in predatory loan practices with fraudulent, for-profit colleges in exchange for a steady supply of borrowers. Many of these loans still remain in Navients XXXX  and are eligible for cancellation due to Navients misconduct and under the FTCs Holder-In-Due-Course Rule ( Holder Rule ), which allows borrowers to raise the same claims and defenses against a loan provider that they could raise against the original seller of the good or service. 

Navient is aware of its potential liability to discharge these loans, and has been forced to cancel some of these loans through legal settlements. This year, the servicer set aside {$35.00} XXXX in anticipation of a liability to cancel predatory legacy loans. While the Department of Education has promised to wipe out over {$18.00} XXXX of predatory federal debt from for-profit schools, Navient hides and establishes convoluted pathways to relief for its similar private predatory loans. 


Navient is violating the Federal Debt Collection Practices Act ( 15 U.S.C.1692 ) and the Texas Debt Collection Act ( XXXX XXXX XXXX XXXX ) by continuing to collect on these loans. 

Navient knows of the fraud that was committed, they themselves are actively participating in the fraud committed, and continue to hold consumers back from financial success and obtating their goals.