davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Finance Company, Inc. (CO)

XXXX XXXX XXXX never ran a claim through my insurance. I called multiple times and they said there was a " glitch '' in their system and it never was sent to my insurance company. When they finally did submit the claim it was past the amount of time for them to submit it so my insurance company denied the claim. XXXX XXXX XXXX said that since they did not submit it in the time that was required, that I did not owe the money and they would take it off my account. They took it off in XX/XX/2018 then for some reason sent my account to collections, Professional Finance Company. I explained the situation and they said I need to prove that XXXX XXXX XXXX stated they would remove this. I sent them a letter along with my statements showing that the charge was removed from my bill, this was in 2018. Now they are reporting that my account is delinquent. I contacted them and resubmitted my information but the account is still showing as adverse. 

In the documents below, it show the charge on my XXXX statement, then removed from my XXXX statement.
Consumer complaint received 2022-04-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account - 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 an account without my written instructions
Consumer complaint received 2022-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (UT)

Per the letter dated XX/XX/XXXX received from Great Lakes concerning a previous complaint, it stated that the U.S. dept of Education did not approve my application for a discharge of my student loans. 

On XXXX XXXX, I received an email from the U.S Dept. of Education regarding my XXXX XXXX claim status ( copy attached ). 

On XX/XX/XXXX, I received an email again from the U.S. Dept of Education indicating that I am part of a lawsuit because I have a XXXX XXXX Application # XXXX pending ( copy attached ). 

I therefore find it strange that I was neither notified by Great Lakes nor the U.S Dept of Education that my application was not approved and the reason why. 

I believe this is a tactic of the servicer of my student loans, Great Lakes, to cause me hardship in getting my student loans discharged and frustrating the process.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was trying to make a purchase and when my credit report was pulled it prevented me from making the purchase, because I had damages on my credit report. I had 11 unauthorized hard injuries that I have no knowledge of. According to the 15 USC 1681 there should not be any damages on my credit report that is a defamation to my character.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

RE IDENITY THEFT FINANCIAL I am a XXXX senior widow in need of help that was compromised from 2 criminals that helped me in my home with paper work filings and organization 2 years ago I just found out, by bank of america that these individuals used my credit to buy NEW XXXX XXXX NOW IN DEFAULT OF {$41000.00} THRU BANK OF AMERICA FILING WITH : LOCAL POLICE DEPT DA OF CALIFORNIA PLEASE REFER OR CALL XXXX -- XXXX THANK YOU WORK ; XXXX CELL XXXX
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2022 ( received XXXX ) Capital One sent me a letter stating that they were closing my credit card accounts because of " activity on this or another account that is not consistent with our expectations for account usage and violations of the Capital One Customer Agreement ''. This was the only explanation given and i currently do not have access to either account. I have drafted a letter to send correspondence along with this complaint.
Consumer complaint received 2022-04-18
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. (NJ)

On XX/XX/XXXX, I discovered multiple accounts on my credit report that did not belong to me. One of the account name is XXXX, this account was never mine, I do not know how, but the account were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, the results came that they removed all the accounts except XXXX since then I have been disputing the account, so on XX/XX/XXXX, I checked my updated credit report and I discovered that this account ( XXXX XXXX was removed, but a month later, the was re-inserted, so, when I pulled my updated credit report I found out that the account came back, on XX/XX/XXXX, I did a complaint on FTC Website about this account, but the account since then has not been remove, I recently update my credit report, and saw that the account still there, and I am now reaching out the CFPB to do a complaint and accelerate the process of fixing this Issue.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On Friday, XX/XX/XXXX, I received an email saying my account phone number and email had been changed. I tried to log in and find that my PIN, username, and password were not working. I called customer service and asked for help. My phone password had been changed, as had the password hint, and I was unable to do anything to my account to fix it. They even changed the vehicle associated with my account. 

I submitted my ID and phone number for their account recovery process, which promised a can back within 1-3 business days. I never received that call. 

I can't get through to anyone because the info I need to verify myself has been compromised. No one will call me back or take me seriously. Every cent I have in the world is at USAA, and no one seems to care. 

I need someone with the power to fix this to contact me. I've filed a police report and a report with the FBI, but nothing has come of it.
Consumer complaint received 2021-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Emergent Business Group, Inc. (TX)

I sent Emergent Business Group a debt validation letter after being advised by XXXX XXXX, XXXX to do so in regards to my account. I was informed Emergent Business Group is holding and servicing this account currently. They have failed to respond to my request for validation and I have attached my debt validation letter below.
Consumer complaint received 2021-02-19
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: CCS Financial Services, Inc. (CA)

On XX/XX/2020, CCS COLLECTIONS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX experienced a data breach in late XXXX. As a result, they suspended the ability to schedule payments. During this time, they had a notice that clearly stated that late payments would not incur penalties. 

Due to their website issues, the payment I scheduled was never drafted, and I had to schedule another payment. Despite XXXX XXXX 's promise, I was charged a late fee, and, worse, my otherwise-perfect credit history was tarnished with a late payment. This is causing me undue hardship as I am currently trying to apply for loans, and I have a very recent XXXX  day late which is making me appear less credit worthy. 

XXXX XXXX should honor their promise and fix my credit report. The late fee shouldn't have been charged either, but the credit report issue is causing me hardship. 

I have contacted XXXX XXXX about this directly and not received a response. I have disputed this late payment with TransUnion and XXXX, but XXXX XXXX has verified the late payment as valid.
Consumer complaint received 2022-02-27
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. (NY)

I ACTUALLY DISPUTED THIS ACCOUNT WITH XXXX XXXX  XXXX  CFPB WAS THE MEDIATOR. WHEN THE COMPANY RESPONSED BACK THEY HONORED THE FACT THAT THEY WERE REPORTING AN ERROR ON MY REPORT AND REQUESTED TO DELETE FROM CREDIT REPORT. THE TRADELINE WAS DELETED. MY ISSUE IS THAT XXXX XXXX  TRANSUNION ALLOWED THIS ACCOUNT TO BE FURNISH ON MY REPORT. THIS HAD A NEGATIVE IMPACT ON MY REPORT AS A COLLECTION. XXXX XXXX  TRANSUNION DELETED THESE ACCOUNTS. DELETIONS IS ADMISSIONS. AS PER 15 USC 1681 ACCURACY AND FAIRNESS. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. HOW AM I SUPPOSED TO TRUST YOUR REPORTING AGENCIES IF YOU ARE ALLOWING TO FURNISH ERRONEOUS INFORMATION. AS A CONSUMER I HAVE THE RIGHT TO AN ACCURATE REPORT. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. IF YOU ASSUMED THE ROLE, CONSUMERS ARE EXPECTING FOR YOU TO DUE YOUR DUE DILIGENCE. AS PER 15 USC 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. THE REPORTING AGENCIES ARE PLAYING UNFAIR GAMES THAT THEY PUT FURNISHERS OVER CONSUMERS, I AM QUESTIONING THEIR INTEGRITY. SINCE THEIR FAILING TO DO THEIR JOBS, I AM ENTITLED TO COMPENSATION OF DAMAGES. THEY ALLOWED A DELETION, IT ONLY TELLS ME THAT THEY HONORED THAT ERROR AT SOME POINT, THEY NEVER QUESTIONED IT. AS PER 15 USC 1692K-CIVIL LIABILITY ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I AM REQUESTING MONETARY DAMAGES IT IS ENCLOSED IN MY ATTACHMENTS/EVIDENCE. DELETIONS IS ADMISSIONS IN CONCLUSION, I NEVER GAVE ANY REPORTING AGENCY WRITTEN PERMISSION OR AUTHORIZATION TO furnish their in violation under 15 usc 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

This is the 3rd time it's happened. I have 3 mortgage loans with Flagstar Bank. On XX/XX/2021 I have all 3 payment wire from my personal account. Two of the payment posted on the same date, 3rd one is missing. I called them on XX/XX/XXXX, and provided them with transfer ID and trans code, their customer service advice will take 3-5 business days for them to research and locate my payment which already cleared and I have confirmed with my bank. And they will call/email me with the solution. On XX/XX/XXXX, I checked and call back due to my payment has not posted. They tell me they are still researching and will take 5-7 business days. I always made payment on time, to avoid late fee and ruin my credit, I have made one additional payment to keep it current and request mortgage statement. And request my case to be escalated. But nothing was done. My 2nd payment posted, 1st payment still not, no mortgage statement issue, no phone call, email follow up or response from Flagstar Bank. I called back on XXXX XXXX other rep tell me It would take 7-10 business days for them to research my payment. I seek out my bank they say it would take them minutes to find that payment. I don't understand why I got difference amount of time every time I called. Is Flagstar bank professionally train their employees and get every one on the same page. All I want is the honest answers and locate the payment they already received and apply to my account timely and accurately. I'm happy to provide all the detail if required for further research.
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC (IL)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Genesis Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Genesis Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am sending this letter regarding unfair business practices from Genesis Financial Services, Card Services. 

I, XXXX XXXX, called Genesis FS Card Services on Tuesday, XX/XX/XXXX, to pay a debt that I promised to pay when I got paid. As promised, I did just that. 

I paid my debt off of {$580.00} on Tuesday, XX/XX/XXXX and requested a conformation number, and a payoff letter so I could send it to all of the credit bureaus because I am trying to repair my credit. The representative said that Genesis FS Card Services would be sending the letter to me by regular mail in thirty ( 30 ) days, but instead I received the attached Exhibit A letter in regular mail dated Wednesday, XX/XX/XXXX stating : This letter is to notify you that your above referenced Account has been charged off due to delinquency with an outstanding balance of {$580.00} and sold to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX. 

Also, the representative claimed that they could not find a conformation number in the system to give me. This comment caused concern because dating back to XX/XX/XXXX whenever I made a payment, I have always received a conformation number immediately. Curiously, when I made the big payoff, they could not find a confirmation number to provide to me. Unfortunately, I was on the telephone with the representatives for almost two hours, being jerked around ; but, I still paid the balance off with my debit card. My card is showing the proof of payment of {$580.00}. Please see attached Exhibit B. 

I would like this matter investigated, and explained to me and the other agencies that I will be sending this letter to. 

I would like an explanation of why I am being harassed and discriminated against, in such a manner to destroy his credit. 

I would like to reiterate that I made the payment on Tuesday, XX/XX/XXXX and four weeks later I received a letter in regular mail on Wednesday, XX/XX/XXXX stating that my account is being sold to a collection company due to delinquency. 

PLEASE EXPLAIN HOW IS MY ACCOUNT IS DELINQUENT, WHEN MY ACCOUNT WAS PAID IN FULL, FOUR WEEKS PRIOR TO RECEIVING THIS DISTURBING LETTER, IN THE FIRST WEEK OF XX/XX/XXXX... 

You can reach me at the above address, telephone number and/or email address. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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. (WA)

It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.
Consumer complaint received 2022-04-18
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. (NY)

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 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 2024-03-10
Product: Credit reporting 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. (NY)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 

XXXX XXXX XXXX  date of inquiry XX/XX/2022. 
XXXX XXXX  XXXX date of inquiry XXXX. 
XXXX  date of inquiry XX/XX/2022. 
XXXX XXXX XXXX XXXX inquiry XX/XX/2022. 
XXXX date of inquiry XX/XX/2022. 

The list above are companies that have been listed for inquiries in my credit report. I have not authorized any of the inquiries made by these companies.
Consumer complaint received 2023-08-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I open a business account with Truist bank I spoke with business department to apply for their No/Doc line of credit in which I was totally eligible for.the first issue was instead of her just letting me apply she tried to get me to apply for loan that requires collateral after I tell her that not what I wanted she sent me an application for XXXX lower than what I asked after she finally fix that she sent email stating I was denied for delinquent credit history under law 15 USC 1691 ( a ) 3 I cant be denied credit or loan because law 12 USC 1431 Banks cant loan money they are borrow
Consumer complaint received 2022-04-18
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. (NJ)

N accordance with The Fair Credit Reporting Act XXXX  XXXX XXXX Account Number:XXXX****, XXXX  XXXX  Account NumberXXXX, XXXX XXXX IN Account Number:XXXX****, XXXX XXXX Account XXXX, XXXX/XXXX Account Number:XXXX****, XXXX XXXX  Account Number:XXXX, has 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 A. Section 2 : It also states a consumer reporting agency can not furnish a Account without my written instruction.
Consumer complaint received 2022-04-18
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. (FL)

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. 
Convergent Accounts below Derogatory Information 1 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX Derogatory Information 2 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX  XXXX  XXXX Derogatory Information 3 Account XXXX Date Reported XX/XX/XXXX Creditor Name 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 2022-04-18
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. (CA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.