davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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. 

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 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-23
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)

XXXX has reported this account to the CRA without my consent causing me problems for my bettering my future as well as being denied for any credit. It is against consumer law to report to the Credit reporting agencies and without my consent. I have never given them any written consent to share my PERSONAL information to any third parties.
Consumer complaint received 2023-01-23
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. (FL)

XXXX has reported this account to the CRA without my consent causing me problems for my bettering my future as well as being denied for any credit. It is against consumer law to report to the Credit reporting agencies and without my consent. I have never given them any written consent to share my PERSONAL information to any third parties.
Consumer complaint received 2023-01-23
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 — Their investigation did not fix an error on your report
Company: Professional Debt Mediation, Inc. (FL)

XXXX is reporting fraudulent items on my credit report. The items are Professional Debt, XXXX XXXX XXXX, and XXXX.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

This in regard to XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- 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. 
I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ). 
PURSUANT 15 USC 6802 ( B ) I XXXX XXXX, hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. How was this account verified? By who?
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Whenever I use my debit card at atm machines at a convenience/grocery store the only information my statements and the banks app shows me is the city/state, the actual name of the store isnt listed except on XXXX stores. The majority of my withdrawals are done at store atms because I live in a rural area and these are closer than going to my bank. For example these are from my statements XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX assuming the alphanumeric portion is the ATMs ID and dont understand why my bank cant tell me exactly where the atm is located or better yet list those as they list XXXX other ones on my statement including address and store name and then I would not be writing this complaint. Thank you respectfully signed XXXX XXXX XXXX
Consumer complaint received 2021-11-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MO)

I recently submitted disputes to the credit bureau Equifax I frequently do this whenever I see that incorrect information is being reported on my credit report however after submitting a dispute today XX/XX/2021 I noticed that the dispute no longer needed to be active the correct balance Was in fact listed on my credit report so there was no need for a dispute any longer I contacted Equifax and was told that there was nothing they could do I have made repeated attempts to contact XXXX  without being able to actually speak with someone and theres no option to email customer service so high in accurately reported dispute information how is it not possible to get that fixed I want disputes on there that are correct but I dont want something thats incorrect Bing on my credit report Equifax has made it absolutely impossible to Cance to get a hold of someone I am shocked that Im not only asking that the dispute be removed Im just asking that it be resolved or closed if its no longer needed then why can it not be closed. Im beyond XXXX XXXX  at this, they want to make sure everything is is accurate but I cant resolve something thats inaccurate on my own report
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-23
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 — Their investigation did not fix an error on your report
Company: Grain Technology, Inc. (VA)

This company has reported XXXX missed payments on my credit report in XXXX. I have never been XXXX days late not even XXXX days late. I have had this problem before and they corrected it. I paid my account off in XXXX an have not withdrawn since. I should not have any balances with them.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (MI)

I have a mortgage with American internet mortgage ( AimLoan.com ). I was approved for the XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) in XX/XX/2022. The government program sent a payment of {$16000.00} to my mortgage company on XX/XX/2022. XXXX said it should take only 2-4weeks max for the payment to apply to my account and get my loan current. Its been almost four months and the payment has not been posted to my account. Ive called AimLoan at least 50 times trying to see where the payment is, and they keep telling me that they havent got it yet. XXXX said that the payment was received by AimLoan. Every time I call AimLoan, the representatives know nothing. I called at least 10 phone numbers, and each person I speak to, sends me to another department. They just dont know what theyre doing
Consumer complaint received 2019-12-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

On XX/XX/2019, I XXXX XXXX XXXX, Home Owner, spoke with XXXX XXXX, Loan Officer (  NMLS # XXXX ) with PennyMac about refinancing my home. Mr. XXXX started my loan application over the phone. During our phone conversation, I informed Mr. XXXX that I was a U.S. Veteran and would like to refinance with a zero down payment. I also requested that the monies in the Escrow account be forwarded/mailed to me at closing. This was discussed and clearly understood by both parties three times during our conversation. It was also annotated in the  Settlement Statement. 

Once Mr. XXXX obtained all my information, he forwarded me to his XXXX XXXX. Team to follow through with the refinance process. I received an email from the XXXX XXXX. Team on XX/XX/2019, informing me that the refinance had been approved. On XX/XX/2019, I received an email informing me that my closing was scheduled for XX/XX/2019, at XXXX XXXX   CST. The time was rescheduled for XXXX. XXXX 's Mortgage payment was made to XXXX on XX/XX/2019, in the amount of {$2100.00}. I was further informed that I would need to bring {$530.00} to closing which is questioned because I believed through my conversation with Mr. XXXX, I would not need any money at closing. I informed Mr. XXXX of this issue and he said he would take care of it. However, when the representative arrived at my home, I still needed the closing cost. Mr. XXXX had not done what he said. I decided to comply and not hold up the refinance. 

The documents presented to me at closing appeared to be correct so I signed them. The representative and I ensured that everything I was requesting was on the Settlement Statement. Per that statement, I was due to receive {$7500.00} from Escrow which I have not received to this date. I did receive a check for {$2100.00} which was XXXX 's mortgage payment due to the loan being closed. 

To this date, All attempts to reach Mr. XXXX concerning the Escrow balance has failed. I have made at least eight ( 8 ) attempts since closing. I have been forwarded to many different people the last being XXXX XXXX on XX/XX/2019. I was informed that Mr. XXXX was Mr. XXXX 's XXXX. Mr. XXXX informed me that the Escrow amount was applied to the loan. I informed him that I did not request that and it was never apart of my conversation with Mr. XXXX. I informed him that I would like to have that money sent to me. Instead of granting my request, Mr. XXXX asked If I would like to revert back to the original loan prior to the refinance. I answered yes. 

Thank you for considering my request.
Consumer complaint received 2023-01-23
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. (FL)

Date of Birth : XX/XX/XXXX SS # : XXXX I sent out letters to XXXX, XXXX and Experian requesting to Remove Inaccurate Credit Information off my credit report. 
I have the right to challenge and dispute any errors and any discrepancies on my personal credit report. 

I received a copy of my credit report and found the following items to be in error below XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (FL)

Opened : XX/XX/2017 ( 4 mos ) Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX ... 
I went to this emergency room, but when I got there, the XXXX XXXX me 4 times wrongly and I did not want to move on getting XXXX and I refused to get treated. They then handed me a document to sign that I refused to get treated. So why do I have to pay for nothing?
Consumer complaint received 2023-01-23
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: Spring Oaks Capital, LLC (NY)

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and SPRING OAKS CAPITAL LLC has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. 
The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, XXXX, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, XXXX and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. 
I have received multiple responses from XXXX, XXXX and XXXX stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
Consumer complaint received 2019-12-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Repeated phone calls from XXXX XXXX to XX/XX/2019. The calls occur twice a day at XXXX and in the afternoon between XXXX. The phone calls come in on different numbers with the same area code that my cell is registered in ( XXXX ). The calls always leave a recorded message claiming " This is HRRG calling. Please return our call XXXX. HRRG is a debt collector and any information obtained will be used during that call. '' I have checked my medical bills and have no outstanding debt. I have blocked several numbers that were used for these calls. The most recent calls came through on numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I've registered my phone number on the national " do not call list '' on XX/XX/2019 and have received phone calls from HRRG since that time.
Consumer complaint received 2019-12-20
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: Santander Consumer USA Holdings Inc. (FL)

06 XXXXOriginal creditor: 06 XXXX  201$XXXX0% paid offXXXXCollection openedXX/XX/XXXXAccount typeCollection AccountBalanceLoan Amount$XXXX$XXXXPayment InfoOriginal loan amount$XXXXBalance$XXXXUpdated onXX/XX/XXXXContactXXXX XXXX XXXXXXXX, MAXXXX(XXXX) XXXX-XXXXXXXX XXXX XXXXOriginal creditor: XXXX XXXX XXXX 201$XXXXPayment InfoStatusCharged off as bad debtUpdated onXX/XX/XXXXPast due amount$XXXX$XXXXMonthly payment-Late payments-santander XXXX  reporting inaccurate information
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Dear PayPal, I am writing to express my disappointment and request for resolution regarding my account which was permanently limited 6 months ago. Recently, I received an email stating that my funds were available for withdrawal. However, I have been facing difficulties in adding my XXXX XXXX XXXX XXXX account to withdraw the money. The PayPal security system is not allowing me to complete the process and I am also unable to complete the security checks as I have lost my phone number. 

Furthermore, I was shocked to see that PayPal has deducted my {$260.00} stating that my account has another negative linked account with a different email address. I assure you that I genuinely have no knowledge of this and have lost my hard-earned money due to this deduction. I have tried finding a resolution from PayPal but I am being denied. I assure you that I am innocent in this regard and do not know what to do.

I kindly request PayPal to give my {$260.00} back as it is my hard-earned money and also allow me access to either transfer the money from my PayPal account to another PayPal account or link my bank account by overiding the security checks by using their professional resources and tools. I trust that PayPal values its customers and will take necessary action to resolve this issue.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-23
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. (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. Account name : XXXX COLLECTIONS # xxxxxx XXXX, Account name : XXXX XXXX XXXX # xxxxxx XXXX, Account name : XXXX XXXX BANK # xxxxxxxxxxxx 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 XXXX 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. XXXX has violated my rights by claiming items are verified without proper investigation by law and knowingly and intentionally leaving false information on the credit report including but not limited to false names.
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (FL)

I have been banking with Regions Bank over 10 years and lately I have noticed they are charging NSF fees for the payments coming in although the funds come in the same date. They refuse to refund the charges which sums up over $1500. Because of the untimely overdrafts the balance keeps diminishing to cause more overdrafts. I did asked the bank to stop overpaying too avoid the charges but I am still being charged since XX/XX/2019
Consumer complaint received 2021-12-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: American First Finance, Inc. (KS)

I took out a loan for {$3100.00} with American first finance on XX/XX/XXXX. My first payment of {$88.00} was due XXXX, however when I attempted to sign into their automated account, noticed my SSN was not correct. I reported this to the company on XX/XX/XXXX. They stated a copy of the SS card with the last 4 of my SSN will need emailed. I submitted this to their email at their request. I called 10 days later. The request was not completed and I was told the whole SSN was needed on the card. I emailed it. Was told it would be done in 2 days. I called two days later. It is not updated, but would be in 7-10 more days. I am getting the run around with their company. I want to pay the whole loan off today, but would like my SSN updated first.