davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
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: Radius Global Solutions LLC (CA)

On XX/XX/2020, XXXX placed my account XXXX with Radius Global Solutions, LLC. Upon further research, this account was transferred/sold and I am no longer responsible for it. Debtors creditors did not verify this debt. 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 XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-07-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (MI)

First of all I made several arrangements to pay my loan and was still being charged a {$30.00} dollar fee with out being explained that everytime I make payment arrangements that there would be a {$30.00} dollar late fee!!! Now I have made payment arrangements for the overdue amount and was told that I would not receive a debit on my account but the company as tryed to debit my account 3 times in one day!!! I also spoke to a representative this morning for {$60.00} dollars on the XXXX of XXXX!!! And they are still continuing to Harassing me!!!
Consumer complaint received 2024-02-29
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: Bread Financial Holdings, Inc. (IL)

Comenity Bank violated my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I am taking action with XXXX XXXX and XXXX services XXXX. 

XXXX reference number : XXXX Comenity Bank failed to comply with 15 U.S. Code 1681s-2 ( b ) under the Fair Credit Reporting Act ( FCRA ) and therefore is liable under 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1681o for negligent noncompliance.
Consumer complaint received 2021-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

My husband and I had a joint checking account with SunTrust with consistent monthly deposits of almost {$10000.00}. The account was in good standing, was never overdrawn, and our balance was never continuously low but on XX/XX/21 SunTrust decided to close our account without warning or explanation. I had no idea they did this until I tried to pay for my lunch and the charge wouldnt go through. 

I contacted the toll free number and was told I had to go to a local branch with my ID for verification. I went to the local branch and was told to contact the Fraud Department. I contacted the Fraud Department who told me I had to go to a local branch with my ID for verification. I went BACK to the local branch and the banker called the Fraud Department with me in there. I was then told the account was being closed but they couldnt tell me why. After pressing for a reason I was told suspicion of fraud. Why? Because I make XXXX figures a year?! 

On top of that, they told me they would make a decision about the funds in our account and whether they would return them to us. SunTrust is holding our money, refusing to give it back, and the ONLY fraud that has been committed is the fraud committed on their end by closing our account and holding our money.
Consumer complaint received 2021-07-03
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: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-07-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diaz & Associates, Inc. (PA)

Diaz and Associates, XXXX, XXXX XXXX of debt in question : XXXX  XXXX XXXX  Received a letter XX/XX/XXXX in the mail for a debt that took me by surprise. First off, the bank mentioned in the letter has not existed since XXXX. All of my previous debt have been discharged, so I found this very suspicious to get a debt letter in my name. Next, this is the only letter received asking to settle a debt in full at a fraction of what is actually owed. And lastly, they are directing to a website to pay off the debt. I found this all alarming and looks like a scam.
Consumer complaint received 2021-07-04
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)

Experian has defamed my character, breached my right to privacy and did not perform due diligence in conducting proper investigative reports to prevent identity theft and unauthorized use of my information. After many attempts of dispute, Experian has done nothing. 
Experian posted " potentially negative '' for all of my accounts in my report, even the ones that are in great standing. 
Experian shared my information without my consent, through soft and hard inquiries. 
I am the victim of identity theft and Experian has done nothing when I disputed them in the past. 
Experian breached my privacy which is an individual action pursuant 15 USC 1681a ( 4 ) My consumer report is not fair and equitable to me pursuant 15 USC 1681 because of Experian 's mistakes.

Experian reported transactions that were solely supposed to be between me and the one furnishing the report, an individual action pursuant to 15 USC 1681a ( 2 ).

Debt collectors can not falsely represent or implicate that they are vouched for, bonded by or affiliated with the United States, however Experian allowed these debt collectors to falsely furnish inaccurate information to intimidate me that they were vouched or bonded by the government : 1.United States Department of Education 2 . United States Department of Education/GLE 3. XXXX  XXXX  XXXX  4. XXXX  XXXX  XXXX  *when I called the United States Department of Education they told me that they are not debt collectors and that they should not be on my report *when I called the others on the list they told me that they don't have a current account with my name on it Experian still did not remove it The following debt collectors have taken my information without my consent or authorization and have furnished false reports alleging that I owe a debt violating my consumer rights pursuant 15 USC 1692c ( a ) and 15 USC 1692b ( 2 ) ; I don't owe these debts ; 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I have added documents with affidavits that I have sent to Experian as well as other supporting documents. 
Thank you.
Consumer complaint received 2021-07-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (IA)

To whom it may concern I am requesting your immediate help in a very serious matter. As of XXXX XXXXXXXX XXXX located in XXXX XXXX, Iowa procured an FHA loan through HUD. At the point of origination an appraisal was ordered from XXXX XXXX XXXX located in XXXX Iowa were the said property was located. The loan was sold on the secondary market to XXXXXXXX XXXX located In Florida. As of XXXX I listed the home for sale, I received not one valid offer that would financially extract me from the Mortgage owed, pay-off the closing costs and allow me to move and acquire another home of lesser value, in another state. As of XXXX, I again tried to market the property myself, forgoing the exorbitant realtor costs, hoping to sell the property, just to cover the mortgage owed to the FHA and various closing costs, associated with the City of XXXX and Iowa State. The home to date has been on the real estate market for over 140 days with not one offer of validity offered. I have now gone to great effort to explore exactly why this home in question will not sale. The most important factor to be considered here, is that the appraisal ordered at the origination of the loan was fraudulent. The comp set used for the comparison study was entirely factitious. The home portrayed in the report are an entirely different category of structure assuming a far greater value than the home that was funded.I have tried to alert LakeView-XXXX of the fraud that took place, many times calling several times a day to be connected to many various individuals such as supervisor after supervisor in many different departments, yet to no avail. I am just told they have never heard of such an instance before and can be of no help. The financial loss here is exceptional. I entered a lease purchase for this home putting {$20000.00} as a down payment. Then I paid over one years time another {$42000.00} in monthly payments spread into a 13month payment structure. Then the FHA funded {$340000.00} in the complication of the said loan. This totals {$400000.00} when the home value should be in the {$200000.00} range, when compared to the comp set of XXXX XXXX for all of XXXX County where the home is located. As of XX/XX/XXXX, before my knowing of this fraudulent event, I put the home in forbearance with LakeView-XXXX. Lakeview Mortgage owns the loan, XXXX services the loan. The forbearance is now to conclude next month in XX/XX/XXXX. The home can not be sold for what the FHA is owed. I am at a total loss here as to what to do. I have reported this action to HUD, the FHA, to the Attorney General for the State of Iowa, to the Iowa XXXX XXXX XXXX and the the Iowa XXXX XXXX XXXX.I have as well spoken to Senior Management at LakeView Mortgage directly. A Mrs XXXX XXXX is my point of contact ( XXXX ) XXXX FHA CASE # XXXX LOAN # XXXX Most sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (TX)

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( Name Of Provider ) for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail. 

Also I send a debt validation to collection agency and they failed to respond
Consumer complaint received 2023-03-08
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. (NJ)

THERE ARE ERRORS IN MY REPORT. XXXX XXXX XXXX0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$1300.00} XX/XX/XXXX. XXXX XXXX XXXX {$630.00} XXXXXXXX XXXX XXXX {$35000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX$700.00} XX/XX/XXXX. XXXX XXXX XXXX {$890.00} XX/XX/XXXX. XXXX. XXXX XXXX {$930.00} XX/XX/XXXX.
Consumer complaint received 2023-03-06
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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.
Consumer complaint received 2021-07-03
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: CREDIT ACCEPTANCE CORPORATION (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I ask that the items be deleted to correct my credit report. These creditors have reached out to me through letters even after cease and desist were told. Also if my information is sold to a collection agency without my consent this should not be reporting on my credit report. It has been more than 30 days since these disputes have been filed. I am unable to attain a home or get any credit because of these inaccuracies on my credit report. 
These accounts also were not finance charges. Only finance charges by law should be reflecting on my credit report. 
I would also like to receive damages for being homeless because of lack of credit because the bureaus report inaccurate information.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I certified mailed a letter to the company requesting the validation of the debt they listed on my credit report. My records show that the company received the letter on XX/XX/XXXX. On XX/XX/XXXX, I had still not received a response from the company, so I mailed an additional letter to the company requesting validation of this same debt. As of today ( XX/XX/XXXX ), I have still not received a response from the company. I have requested validation of this debt through the credit bureaus as well on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
It has taken multiple attempts to get just one answer from the company. This act of failing to respond, I believe, may have violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act for continuous reporting of disputed debt, failing to validate a debt, and continuous communication to a consumer after a debt has been disputed and not validated. This company 's actions are willful and negligent regarding its reporting of this account.
Consumer complaint received 2021-06-29
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. (GA)

On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies XXXX, Experian, and XXXX in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ). This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX XXXX XXXX before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

In XXXX, my fianc and I purchased a home from a couple with the same last name as me ( XXXX ). When we purchased the home, I had my mail forwarded to my new address. Since the purchase, my Primary address on my banking account changes to the previous owner 's new address, in a different city, without my consent. It has changed without my consent at least 10 different times. I call chase every time this happens, and they do not have an answer other than to change my address with the post office. I have done just that on 3 different occasions. When my address changes without my consent I am unable to use my debit card for 24 hours after each occurrence. They continuously tell me that " Generally, your address should not change without your consent '' but here we are. Why is it that the postal company is linked to banking?
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting a small collection of {$200.00} that I already had removed when reported by a different agency. It is not valid. And they LOWERD my score 60 pts for this small report!!!!!! that is ALREADY INVALD
Consumer complaint received 2024-03-22
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-03-06
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-02-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

From the dates XXXX of XXXX XXXX of XXXX I paid {$500.00} every two weeks when my payments was {$250.00} every two weeks. From XX/XX/XXXX to XX/XX/XXXX I paid {$600.00} every two weeks when my payments was {$250.00} every two weeks. From the dates XX/XX/XXXX I paid staggering payments through out the year XXXX ranging from {$500.00} to {$1200.00} a payment. Then Us auto sent my loan to a collection company called west lake portfolio and my account was never late. Now Im in repo status and no one can show me where my money went to. Can you please have with this matter. Thank you!
Consumer complaint received 2021-03-16
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)

Experian refuses to delete an address that no longer has anything to do with me. I spoke with a litigation team and was told legally they are required to delete any and all address that does not belong to many every or any more. XXXX  is the only company who has not followed the laws set forth. I am a victim of identity theft and address XXXX XXXX XXXX XXXX Ohio XXXX should be deleted off of my report immediately as other bureaus have. If this process can not be resolved here I will start all litigation procedures that I was directed to start if this issue is not resolved here