davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Select Portfolio Services claims in their response to my complaint XXXX that XXXX made a " Protective Advance '' when they paid off XXXX XXXX. What were they protecting? I was not under threat of foreclosure from XXXX. 
Also, where in my mortgage document with XXXX XXXX ( the original mortgage holder ) does it even mention " protective advances '' or anything like them? 
No matter what SPS tries to call it, it was a cash out refinance, entitling me to both disclosures of disbursement of funds and the right of recision.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NY)

I called Navy Federal Credit union customer service today XX/XX/2023 at XXXX XXXX and asked if my direct deposit could be made available since they advertise that your direct deposits will be available XXXX day early as a perk of being a customer at Navy Federal Credit Union XXXX The representative stated that my account had an alert on it because I had prior credit cards due which I paid in settlements to them XX/XX/2023 for the amount of {$5400.00} and was not made aware that my checking account would retain an alert on it on that doesn't allow the same features as every other customer at Navy Federal Credit Union. When I asked why this was and when it expires the customer service agent told me it never expires because I am marked as someone who was a loss to Navy Federal Credit Union. I don't think it's fair that without my knowledge I receive different treatment from the bank as a result of settling a debt with the bank from prior credit cards and I was not made aware that this would be the result of settling the debt with them that I would never be able to have a full account and full features with the bank and be treated differently as a member of the bank.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Monterey Financial Services LLC (TX)

I obtained a Timeshare from the XXXX XXXX in XXXX XXXX XXXX, XXXX in XX/XX/XXXX and was told that if the time share was not being used I could sale or rent my timeshare at any time. Fast forward after many payments to XX/XX/XXXX when a " legitimate '' law firm and buyer ( XXXX ) attempted to purchase the time share with full represented documents and personal information from the XXXX XXXX. The so called purchase included falsifying the XXXX  in XXXX, multiple banks in the USA and XXXX, and a Law Firm ( XXXX XXXX XXXX ) in New York that turned out to be the main creator and perpetrator in this highly organized scam. Over the course of many months I had lawyers in New York and XXXX plus the XXXX bank USA XXXX XXXX team investigate the matter. I eventually was informed that it appeared to be a scam that included the wire transferred funds to XXXX. They all concluded the money transferred back into the USA and was orchestrated very well and, actually could have been an inside job including the XXXX XXXX employees. The lawyers felt it would be a waist of time to litigate a large Timeshare company that is based in XXXX and USA. They warned me of the potential of trying to exploit more money through the collection agency side and harm my credit if you stopped paying after the Fraud. Unfortunately, this is exactly what happened. The XXXX XXXX never formally contacted me about sending my account to collections or credit agencies. Lastly, I filed a case with the Treasury Department of the US and currently have a case number. Since then, I have been contacted several times by a different Law Firm in XXXX XXXX California that was assigned cases of a so called XXXX time share scam. I have not contacted them at the request of other lawyers. This is a summary of a tremendous lengthy and costly ordeal. My credit should not be harmed in this unjust occurrence.
Consumer complaint received 2016-05-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MI)

XXXX XXXX used deceptive and illegal practices to get loans in my name. I have attempted to request documents from XXXX showing what was signed and how much each loan was for. My loans have changed hands and I am having trouble finding out who I really need to speak with. I am looking to challenge all private and federal loans in my name. Please contact me with further questions. Thank you.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It's my understanding that FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you please review the paperwork? I've noticed inaccuracies in some of the listed accounts, and it's unsettling for me.
Consumer complaint received 2022-05-05
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-05-05
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. (LA)

The last letter I sent to the credit bureaus was XX/XX/XXXX and yet they have failed to respond to my written letters. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and must be delete immediately : XXXX XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, 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. (IL)

I want to dispute some unknown inquiries on my report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # 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 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX XXXX, OK, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX
Consumer complaint received 2022-12-17
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. (IL)

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, 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 2022-05-05
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: Experian Information Solutions Inc. (LA)

On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 I sent disputes to XXXX, XXXX and Experian about the following inaccurate and unverifiable accounts. I have done my research and according to the FairCredit Reporting Act, my consumer rights have been violated by these credit reporting agencies and their failure to reinvestigate the accuracy of my credit reports, as well as their failure to delete all inaccurate information. This is ridiculous! Additionally, XXXX will not review my dispute requests and continues sending these outrageous response letters saying " it didn't appear that you or a properly authorized third party sent this to us '' which is false and unacceptable. Each credit reporting agency has a proof of my ID and proof of my address to confirm my identity and support my disputes. These stalling responses are clearly a way to get out of doing their job in accordance with the credit reporting laws as there are MULTIPLE errors to be addressed. 

The following accounts are in error and in total violation of my rights : 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 

It is completely unacceptable that these erroneous accounts have not been thoroughly investigated in accordance with the LAW and removed from my credit reports immediately after 5 months of sending reinvestigation requests and waiting for a status update or confirmation of deletion. 

15 U.S.C. 1681 Section 602 A ; States that credit reporting must be fair and accurate and unfair credit reporting methods undermine the public confidence 15 U.S.C. 1681 Section 604 A ; States a consumer reporting agency can not furnish an account without my written instructions or permissible purpose It has been well over 45 days since I've sent these different disputes. I have thoroughly reviewed the laws above and others that are applicable under the FCRA and demand they be followed by the credit reporting agencies.
Consumer complaint received 2022-05-05
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. (MD)

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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX 2. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

3. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

4. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

5. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The status is incorrect for the following account XXXX Account Number : XXXX Please investigate and remove the late payment. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-05
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. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-05-05
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)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-05-05
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX at XXXX at a Wells Fargo Bank I took out XXXX out of a different account at the ATM, then I deposited into my Wells Fargo checking account, the machine was running weird and said that I deposited XXXX, I pushed the button to have all my funds returned, it was again sounding weird it gave my XXXX, then said the transaction was cancelled while keeping XXXX. 
I notified the bank that there was an problem, they said it would take up to 10 business days. 
I was then notified by the bank that there was no discrepancy with the ATM. 
I complained that that couldn't be right because I'm missing XXXX, Then finally on XX/XX/XXXX the bank called and said that there was nothing more they could do. 
This is not right I'm missing XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$10000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.