davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2023-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Outsourcing, Inc. (MD)

I am writing this letter to dispute a debt that XXXX XXXX XXXX XXXX erroneously sent to a collection agency for a procedure that was paid in full on the day of service. Their inaccurate reporting has caused a negative impact on my credit, and I am requesting that XXXX XXXX XXXX XXXX update their billing records to reflect the payment that was received and to have this charge removed from ALL credit bureaus as soon as possible. 
My daughters, XXXX, were seen on XXXX XX/XX/2021, for routine sports physicals. The cost was {$85.00} for each physical ; therefore, bring the total bill to {$170.00}. 
Enclosed, are documents to support my request : ( a ) A copy of the debt collection letter ( b ) The final clinical report from XXXX XXXX XXXX XXXX at XXXX XXXX ( XXXX ) The receipt of payment to show that this service was PAID IN FULL on the day of ( d ) Copy of my bank statement Additionally, my mother, XXXX and daughter, XXXX have received collection letters regarding this debt. I kindly ask that if this is reported on their credit report, it be removed as well.
Consumer complaint received 2023-02-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX FTC and the Attorney General for Florida.
Consumer complaint received 2022-05-16
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. (TX)

The company XXXX XXXX is reporting late payments of the car loan. I have called and discussed with them the late payments reported. Payment arrangements which would not cause payments to be reported late, however, the company still reported it late. I have try to file disputes with the company and the creditors. 

The company reported late payments on XX/XX/XXXX and 2 times on XX/XX/XXXX. 

This has cause significant hardship, and the communication has not be helpful at all with customer service. I am reporting a complaint as they gave me false information and did not honor a payment arrangement as discussed. In addition, I was never informed this company does not offer re-financing options.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-05-16
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. (MN)

ATTACHED TO THIS COMPLAINT ARE SUPPORTING DOCUMENTATION FOR MY OPEN DISPUTE WITH EXPERIAN. THE FILES WERE TOO LARGE TO UPLOAD ON EXPERIAN.COMXXXX XXXX THESE DOCUMENTS ARE FOR MY OPEN COMPLAINT # XXXX WITH CONSUMER FINANCIAL PROTECTION BUREAU XXXX I WOULD THESE SUPPORTING DOCUMENTS INCLUDED IN MY ONGOING DISPUTE AGAINST XXXX FOR EXPERIAN REPORT # XXXX. THANK YOU EXPERIAN. 

THE SUPPORTING DOCUMENTS WILL SHOW THAT XXXX HAS NEVER REPORTED ME DELINQUENT TO THE TWO OTHER CREDIT BUREAUS SUCH AS XXXX AND XXXX ( SEE ATTACHED CREDIT REPORT ) THERE ARE NO SOFT/HARD INQUIRY ON NEITHER REPORT, ALSO ATTACHED ARE MY OFFICIAL POLICE REPORT, AND FTC AFFIDAVIT .
Consumer complaint received 2022-05-16
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)

I submitted disputes multiple times in regards to BANKRUPTCY CHAPTER XXXX DISMISSED reporting on my credit report. XXXX and Experian continue to report this Bankruptcy even after i informed them that I have never filed Bankruptcy. They claim to be verifying this information with XXXX. I have contacted XXXX and this Bankruptcy was removed from their system as being unverifiable! How does XXXX and Experian verify information that is unverifiable with the supposed agency giving them the information? This FALSE reporting on my credit report has caused great harm to my credit. I am submitting evidence that the XXXX and Experian continue to cause harm to my credit and evidence that XXXX has said themselves that this information is UNVERIFIABLE and has been REMOVED from their system.. XXXX and Experian must be held accountable for the blatant disregard of federal law pertaining to accurate credit reporting and the FCRA.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (GA)

I found out this morning that a trusted friend has split my income tax refund and have half sent to a US Bank XXXX account ending in XXXX. The IRS has requested a paper check but due to the refund being sent by direct deposit on XX/XX/22, they can not guarantee that it can be cancelled. I contacted US Bank to find out why are they accepting refunds if the person 's name is not on the account. I have been told they do not do a name check. US Bank unethical practice is why this person chose this bank. The IRS site stated that if the name does not match, it should be rejected but US shady business practices is enabling these fraudsters to defraud US taxpayers out of their hard earn money!
Consumer complaint received 2022-05-16
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: Michael G. Niles (SC)

Under usc 15 1681. Executive financial co account # XXXX and account # XXXX and account # XXXX has violated the HIPPA law. In accordance with the fair credit reporting act. The list of accounts above has violated my federally protected consumer rights under 15 USC 1681. Section 602 A. States I have the right to privacy. 15 USC 1681 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states : no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than convictions or crimes which antedates the report by more than seven years. 15 USC 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 2022-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

on XX/XX/2022 I discovered someone attempted to open a Bank of America unlimited cash rewards visa signature card Ref # XXXX. I notified BOA and the credit agencies stating that it wasn't me. I've spent countless hours on the phone on hold trying to get this corrected as its affecting my credit score. please I need help in having this removed from all 3 credit agencies. please call XXXX or email me at XXXX I want this removed and corrected.
Consumer complaint received 2022-05-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OR)

On XX/XX/22, XXXX  XXXX XXXX XXXX sent a payoff check to Firstmark Services for {$9300.00}. On XX/XX/22, the check was paid and endorsed by Firstmark Services. On XX/XX/22, I emailed Firstmark Services to ask about the status of the check. On XX/XX/22, they responded and told me that the check was not yet received and I should send documentation. On XX/XX/22, I emailed and uploaded a copy of the check, as well as verification that the check was cashed on XX/XX/22. On XX/XX/22, Firstmark Services told me that the check was returned for XXXX. I responded with an email that stated again when they cashed the check and that I would be filing a complaint if they did not figure this out. Finally, last night I emailed and stated I would be filing a complaint this morning. They responded and said again that the check is XXXX  and returned. I submitted a letter from my issuing institution that states that the check was never returned and that the issuing institution conducted an audit on their ledgers and confirmed they were balanced. My husband and I called Firstmark Services to try one last time to get this straightened out, and the best answer we received was that they would investigate it with their processing team. 

This has been very frustrating and we have been fighting with them since XX/XX/22. We have offered proof again and again that they cashed the check and did not apply the funds to my loan.
Consumer complaint received 2016-02-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC (PA)

i received a letter today with a payment voucher from cavalry portfolio services threatening a possible law suit for an account they purchased that has exceeded the statue of limitations here in pennsylvania, not only have they done this, they have openly made harassing phone calls to my parents and employer.
Consumer complaint received 2022-05-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TRUIST FINANCIAL CORPORATION (TN)

I called to in to Regional Acceptance Corp after I logged on to the app to see if I could do it myself. I am trying to refinance my auto and they want a copy of the title, front and back. The representative went through all my info, verifying everything and finally told me that they would not be able to provide me with that as I am over 30 days behind and simply wanted me to make a payment. I explained I was refinancing and didn't plan to make that payment. He told me he could send the request up and management would deny until I made a payment. I asked to be transferred to that XXXX as I wanted him to confirm that Regional Acceptance is refusing to send me a copy of my title until I made a payment as I thought that was illegal. He transferred me to another department who confirmed I am 10 days past due, not XXXX and that he couldn't get me that document copy but he could transfer me back to customer service ( he was collections ) and they could send me the document I was requesting. Call initiated at XXXX XXXX. I'm still on hold, however, they have employees who lie about providing documents and use unscrupulous collection methods. 

Now the new customer service rep is saying they will not provide me with a copy of the title, but with the title application that is 3-4 years old and not what I need. I've even told them I'm filing a complaint with the CFPB because of this, they say they don't have it. How can they release it when I pay it off if they do not have it??
Consumer complaint received 2022-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I applied for a BofA credit card on XX/XX/XXXX and got a hard inquiry on XXXX and one on XXXX. I got a letter dated XX/XX/XXXX telling me I would have to call BofA in the next 30 days to verify some information or else my application would be cancelled. And so the next week I called, verified some information, and then got approved. The only problem is that BofA made another hard inquiry on my XXXX credit report. Now I have two hard inquiries on my XXXX credit report for the same credit card application. I tried filing a dispute with XXXX, but they're not abiding by the FCRA and told me that I would have to contact the furnisher directly because XXXX 's records are already accurate based on the information the furnisher provided ( which negates the purpose of a reinvestigation and their role in forwarding my dispute to the furnisher ). And so I initiated my first dispute through the phone with BofA and I received a letter dated XX/XX/XXXX explaining that I would need to provide more information via mail. So I sent a letter describing the nature of my dispute and received a letter dated XX/XX/XXXX explaining that I was not clear enough and would need to send another dispute with better clarity. And so I did and received a letter dated XX/XX/XXXX explaining that BofA found the hard inquiry made on XX/XX/XXXX to be accurate. I called BofA in disbelief and they told me that they have a 30-day window before needing to hard pull my credit report again, which I missed by two days. I asked why it couldn't be a soft inquiry and they said it doesn't provide the same information, when in reality it does. I then asked why they took so long in sending me the letter that tells me to call them within 30 days ( which didn't match the 30 days before a new hard inquiry would be made ) and they said they've tried contacting me through other methods, which is not the case. The letter that told me to call them within 30 days only gave me a week after receiving it to avoid a second hard inquiry. I at no point started a second credit card application and these two hard inquiries are for the same credit card application.
Consumer complaint received 2022-05-16
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. (WA)

I have spent hours on the phone with Equifax trying to resolve this issue, to no avail. 

Their Dispute resolution system does not have sufficient functionality to address this issue, and the support agents are unable to address the issue, effectively putting me into a circular event loop where resolution is impossible. 

Equifax is reporting a past address as current, and a current address as past, offering no possible method to resolve the issue. The address listed as current in over 4 yours out of date.
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Credit card account information was posted without my authorization, not to mention three of them were paid in full, as a result of the informaton being on my credit report it has impacted my ability to find a place to live, all three credit bureau 's have violated my rights, and this is grounds for removal according to 15 USC 1681, section 602 A, which states, I have the right to privacy, and 15 USC 1681 - 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions so therefore they used my information imporperly.
Consumer complaint received 2022-05-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (PA)

I have been paying on this student loan for 33 years. It has been bought and sold more than once. I returned to school and the loan went into forbearance. I finished school but was not working so it was deferred for 6 months. That will be over in XX/XX/XXXX. I have been told via information on the services website that the loan did not qualify for being on hold during covid, and today was the first I found out about that. The loan has apparently been collecting interest and has risen quite a lot again. My new job pays less than my old job and I will have new student loans to also pay for. This loan was originally XXXX approximately in XXXX. I now currently owe XXXX. Why is this loan seem to be designed in a way it can never be paid off? Do I have to pay on this indefinitely until I die? What happens after I die?
Consumer complaint received 2019-11-26
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: EQUIFAX, INC. (TX)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2015-11-20
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (VA)

Financial Freedom 'the reverse mortgage specialist ' has been giving my XXXX-year old mother the run-around for the last three months since she notified them she vacated her home with a 'no fault ' home equity conversion mortgage ( HECM ) , in trying to complete Financial Freedom 's 'streamlined ' deed in lieu of foreclosure process. My mother is on an extremely limited income and can not continue paying for this property while Financial Freedom gives her the run-around in trying to complete the process. Financial Freedom has placed a lock box on the house and told us we can not access, yet they refuse to complete the deed in lieu of foreclosure process and they refuse to tell us what the next step is to complete the process of getting this HECM reverse mortgage/home out from under my mother 's name and responsibility. SHE HAS VACATED THE HOME! As of now it 's completely stuck in Financial Freedom 's limbo and every time we call customer service and that department to speak with a manager or the specialist handling the account they say that everyone is a meeting or on break or on lunch and will return our call but a manager or supervisor NEVER calls us back. Every time we call, we get a different answer where the deed in lieu of foreclosure process is at and no one can tell us what the next step is to complete or what is needed to complete it. They are intentionally trying to delay the process and even an email from their legal office says they are purposely delaying for an unknown reason. Please help. My XXXX year old mother is losing her faculties and health is failing. This predatory and deceitful practice by Financial Freedom is taking its toll on her health and her finances. I have power of attorney for my mother and her estate and have provided that to Financial Freedom already. PLEASE HELP US.
Consumer complaint received 2022-05-16
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. (CA)

on XX/XX/XXXX i was informed via Email that a XXXX XXXX  credit card account was past due and had several returned payments. I never authorized the opening of the account. i have XXXX XXXX student loans and that all. This account was fraudulently opened and abused using my personal information. Im a victim of identity theft. my personal information is being sold online for fraud. this has been confirmand by XXXX XXXX XXXX