davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-22
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. (GA)

Hello, On my Experan Credit Report, After filing a dispute, the results showed items ( XXXX XXXX XXXX ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX  XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. 

Also on Experian reported dated XX/XX/19, Items XXXX XXXX ( Acct # XXXX ) and also showed results showed item deleted. 
Also another XXXX XXXX/XXXX  ( ACCT # XXXX ) also stated Deleted. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. 
I did not receive this notification. 

On report datd XXXX, XXXX XXXX  XXXX  has an incomplete account number which violates FCRA fules . as I have no way of knowing if it is mine. 
I would like your assistance with these issues. 

Thank you
Consumer complaint received 2015-09-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Patient Accounting Service Center (CA)

XXXX XXXX XXXX did not bill my insurance. I continue to give them the information and they have it on file but never bill them. I have been sent to XXXX collection agents, XXXX and XXXX XXXX XXXX XXXX, There are XXXX medical bills for my family and they will not bill insurance. 
XXXX XXXX XXXX XXXX XXXX California
Consumer complaint received 2021-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

There are two companies which appear on my credit reports which I have requested via mail and certified mail for them to provide me with information that these services were provided and approved by me. One of them, which services supposedly occurred in XX/XX/XXXX since XX/XX/XXXX, the other which services supposedly occurred in XX/XX/XXXX since month of May. Neither of them have provided any information they continue to send me a bill that states these are my accounts but no further information to prove they are mine. Naturally, it has almost been 7 years and I can not recall if they are truly mine or even what they are for as they do not provide any details. I have written also to all three collection bureaus and nothing has occurred, until I spoke today with XXXX who advised I should file a complaint with the FDC which re-routed to you. My credit is heavily impacted by these accounts who I believe unless they prove otherwise are fraudulent and thereby causing me frustration, undue XXXX and limiting my credit abilities. I ask humbly for your assistance and intervention. I frankly do not understand why the bureaus are not asking for confirmation of the accounts prior to allowing them to show on the reports hurting all consumers. I appreciate anything you can do to assist. Thank you.
Consumer complaint received 2019-01-30
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. (CA)

I disputed the following items on XXXX-18 and XXXX-18 and these items are not mine. Furthermore they change the reporting information of these two items. I have not had a problem with XXXX  and XXXX, but trans union has been very difficult. I believe they have my son, XXXX XXXX XXXX XXXX and I credit report crossed up. Regardless they need to rectify this situation and remove these items that are not mine. I just don't think it is fair to report items that are not mine on my credit report. I can not refinance my home with my wife with these false items on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (PA)

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 XXXXXXXX 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 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.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Wave Financial USA Inc. (MI)

I contacted wave XXXX on XX/XX/2021 XX/XX/2021 XX/XX/2021 & XX/XX/2021 requested refund for {$2500.00} payment that was received on XX/XX/2021. they told me on XX/XX/2021 the payment would be refunded in 65 days and still no refund account is locked so i can not refund or move money out the account at all. there is not a phone number only emails being exchanged. please help me get my funds out of this company account i do not wish to ever do business with them ever again. wave XXXX  address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EMAILS XXXX, XXXX, XXXX. THANK YOU FOR YOUR HELP. ACCOUNT SETUP IN MY BUSINESS NAME XXXX XXXX XXXX XXXX AS RESPONSIBLE PARTY.
Consumer complaint received 2021-11-13
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-22
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. (CT)

transunion has had XXXX/ XXXX  reporting twice on my report, I only have 1 an this is same account one has to be removed, XXXX XXXX
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

To Whom it may concern, I am a victim of a predatory loan, ever since I try to refinance the morgage company is not returning my phone calls, I was going througth a financial hardship and this morgage company came with terms that was supposed be better for my mortgage, I was paying {$2700.00} a month then they offer me that if I refinance things will be better. Studently when the new morgage payment came it was for {$3700.00}, I call them and call them and they never got back to me, my loan was {$350000.00} XXXX and now in the statemens say I owe them {$580000.00} XXXX ( with all the fees they say I owe ) yesterday I saw they put the house to auction for ( {$780000.00} ) XXXX, I am trying to contact the lawyer that has my case ( lawyer that works for lender ) and they being avoiding me too. I guess this my last resource before I go to the news and release my statement. Please help, I went to my house and the bank send someone and took all my documents in the floor and guess but the only took the loan papers everything else it was there, I guess they not trying to incriminate themselves. If you go online you will find a lot people taking about this morgage company, what they did to me they have done to other people. Please help, do n't let this criminal get away. I decided to take this step because I believe in justice! And even if I have to go to Washington I will because I am not gon na let them take my house because they think people has no education.
Consumer complaint received 2022-12-16
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. (PA)

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 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 2019-07-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

Ive tried disputing this account reporting inaccurate information on my credit report, I would like proof of validation of this debt they claim I owe which is {$5100.00} and if the validation doesnt produce a signature with my name on it I would like this deleted from my credit report, because this is really hindering in my life and causing a lot of stress.
Consumer complaint received 2022-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2021, I went to the dealership looking for a car. I found the car I like. My sales person told me that he was only going to run my credit through XXXX XXXX XXXX XXXX. I ended up with more than 10 hard inquiries on my credit report.
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NY)

In XXXX of 2022, I worked with my mortgage provider ( Suntrust now Truist ) to exit forbearance and begin a loan modification plan where my monthly payment would be reduced and the length of the loan would be extended. This modification plan required me to make 3 months of trial payments which I successfully completed on XX/XX/2022. After not hearing back from Truist, I called them on XX/XX/2022 to find the current status and they said that because I did not also make my normal monthly mortgage payment in addition to the trial payments, I now no longer qualify for the loan modification and need to restart the process of getting a loan deferral. Truist has been extremely difficult to work with during this whole process with a lack of communication and clarity on what I needed to do in order to bring my loan back to current. Every time I talk to their customer service team, I'm told different kinds of information regarding what I need to do and every time it requires me to spend hours of my time on the phone. Truist also will not allow me to make payment online and instead forces me to call them each time I want to make a monthly payment. Truist has been deceptive and undermined every step of this whole process
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

On XX/XX/XXXX I checked my credit reports and my report showed that my XXXX XXXX  accounts " Needs Attention '' Upon checking the status the account read that I recently missed a payment on this account. However no delinquency existed. I am asking for a investigation, this account is in deferred status and no payments are required.
Consumer complaint received 2019-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (LA)

In accordance with the XXXX  Loan Forgiveness program I submitted a request to Navient. They've denied my request under the auspices of reason 3 : " As of XX/XX/1998, you had an outstanding balance on a Federal Family Education Loan Program loan or Federal Direct Program loan. This loan ( s ) is either still outstanding or had an outstandign balance prior to new loans being disbursed. This loan ( s ) may also be included in a consolidation loan making your loan ( s ) ineligible for the XXXX  Loan Forgiveness Program. '' I am objecting to and challenging this determination in that Navient has been charged with systematically misdirected borrowers into student loan repayment programs and types of forbearance, which do not qualify for Public Service Loan Forgiveness, which enables public servants to have their federal student loans forgiven after meeting certain requirements, and that Navient ignored borrowers best interests in violation of its government contract to prevent borrowers from moving to XXXX ( the student loan servicer that administers the Public Service Loan Forgiveness program ), so that Navient could continue to earn fees. 

As a result, XXXX, nurses, first responders, social workers and other public servants are paying millions of dollars more than they otherwise should in student loan payments.
Consumer complaint received 2019-07-21
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 continues to report negative information on my credit report. I have disputed these items to no avail and they claim they will not re-investigate when I am entitled to a full investigation of these items. They are in violation of the fair credit reporting act.
Consumer complaint received 2022-04-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for 7 months now. EXPERIAN has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer report.
Consumer complaint received 2022-05-19
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 ()

I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business ( online martial arts tutorial ) since XX/XX/2022. My PayPal account : XXXX has stucked funds in it worth of {$110.00} US dollars that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds.

Thank you and God bless.

For identity verification, I attached my valid ID. Please see attachments.
Consumer complaint received 2021-11-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery at XXXX XXXX XXXX, XXXX, VA XXXX has been sending collection notices for 3 separate accounts in the amounts of {$2100.00}, {$2400.00} and {$2500.00} respectively. The collections have been reported as a past due balances. I do not know this company and I have never done business with this company. Portfolio Recovery does not have a contract with me with my signature.
Consumer complaint received 2019-11-21
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. (FL)

I have requested three times for Trans Union to verify through the physical verification of the original signed consumer contract and three times the response from Trans Union has been that the data furnisher has verified the accuracy of the disputed information. 
The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), does not say that data furnisher has to verify the accuracy of the disputed information. The law says, Trans Union is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on my credit report.

As of today you have not provided me with a copy of the original signed consumer contract. The law is very clear if you can not provide me with a copy of the original signed consumer contract the information must be deleted from my credit report.

This is my forth request that Trans Union provide me with the requested consumer contract or delete the information. 
I am demanding that Trans Union comply with The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A )  and delete the following accounts from my credit report : XXXX. XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4.  XXXX Acct # XXXX Trans Union is in violation of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ).
Consumer complaint received 2022-10-13
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. (TX)

In accordance with the Fair Credit Reporting Act, the creditors have violated my rights. Under 15 U.S.C. 1681, section 602, it states that I have the right to privacy. Under 15 U.S.C. 1681, section 604 ( a ) ( 2 ), it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I respectfully request that any late payments be removed.
Consumer complaint received 2022-05-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (MO)

I have an auto loan through Santander Consumer XXXX XXXX. This COVID Pandemic is really taking and effect on me. I am continually out of work. As you know when you are exposed you have no choice then to quarantine. I am a XXXX XXXX, and the job market was a mess before covid. I told them I am finally back to work now with a permanent company that will keep me on for a while. I asked them to give me a deferment so I can be on an even playing field. They said I was eligible for a loan modification and then denied me for no reason. Said I had too many. I cant control how bad covid is in XXXX XXXX  XXXX. I am willing to make sure that I am on time from now on. Now that I am back to work. I need the loan modified to become current so that I can be in the current status and not have my car repo 'd.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

DEAR BofA, THIS IS THE 4TH TIME I'M SENDING THIS REQUEST BEFORE I WILL REACH TO THE PAPERS AND THE PUBLIC. PLEASE RESPOND, IT'S BEEN MONTHS NOW. MY FORMER CLAIM WAS SUBMITTED ON XX/XX/XXXX AND NO RESPONSE. XXXX There were two cash advance checks that were charged on my CC ending in XXXX. The first one was for {$6000.00} on XX/XX/XXXX The Second was for {$9000.00} on XX/XX/XXXX Both checks were not written or signed by me. In fact, they were forged by my soon-to-be ex-husband XXXX  XXXX. This is not my handwriting and not my signature. XXXX XXXX fraudulently applied for this card.
Consumer complaint received 2022-04-11
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. (GA)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (OR)

my wife and i had a account with reliable credit and then filed bankruptcy. we did a reaffirmination aggreement with the court to keep the car but the judge i guess didnt sign off on it correctly. we kept the car and continued making payments of almost {$500.00} each month and were never late. the amount was proccessed by reliable yet was not getting reported to credit. i contacted them several times yet they refused to help. since then we traded that XXXX in and reliable was sent a payoff for over XXXX dollars. they took payment and even sent us a refund check for {$9.00} for over payment. problem is it says on credit included in XXXX  i just want this to reflect a payoff rather than a written off in XXXX on credit for the wife and i.