davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NV)

My name is XXXX XXXX XXXX and my home ( a mobile home ) at XXXX XXXX  XXXX, XXXX, NV XXXX burned down more than two ( 2 ) years ago. I reached out to my loan servicer ( Loan # XXXX ), Community Loan Servicing ( Number XXXX ) when I inquired they advised me that I did not have insurance. I was approached by a friend of mine who is skilled in real estate and he looked at my payment statement and advised me that I had an impound account and I, in fact was being billed for insurance. XXXX XXXX became my Third Party Authorization and Power of Attorney. He sent the documents on XX/XX/XXXX. He then called the company on XX/XX/XXXX and spoke with a representative named XXXX in the XXXX Call Center. XXXX refused to answer any questions related to the insurance. XXXX XXXX then called back multiple times with the question about the insurance and escrow accounts only to learn that there was a lender placed insurance policy. And, in XX/XX/XXXX the lender received a check for {$82000.00} which should have fully satisfied the loan. I am asking that you use the money received to pay off the Loan ( now a short pay ). Finally, please stop the foreclosure and notify all credit agencies and communicate that I do Not have a delinquent loan. The insurance claim number in this matter is XXXX. Thank you for your assistance.
Consumer complaint received 2022-10-10
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-07-31
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: Experian Information Solutions Inc. (OH)

XXXX & XXXX XXXX which whom has my mortgage isn't reporting payment history nor current payments that is applied to the account isn't inquiring to the 3 major credit bureau XXXX, .XXXX, Experian. Need your help please to resolve this issues.
Consumer complaint received 2022-10-10
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. (LA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-10
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-14
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 DRS # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s2, a furnisher has a duty to provide accurate information to CRAs and a duty to conduct an investigation into the completeness and accuracy of the information furnished. An individual may assert a private cause of action for violations 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 2022-10-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXBalance Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX ( Original CreditorXXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX ( Original CreditorXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00XXXX XXXX XXXXXXXX ( Original CreditorXXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed {$1700.00} XXXX XXXX Balance Owed : {$2200.00}
Consumer complaint received 2021-06-13
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. (OH)

Credit Bureau Dispute Letter/Affidavit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Email : XXXX XX/XX/XXXX I have made several attempts to address the inaccurate, outdated information, charge offs written off, fraudulent. I have discovered accounts with several errors which is adversely affecting my credit unfavorably. These accounts need to be investigated and removed immediately. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my names be remove and any other names, addresses and telephone numbers that Company Account Number Account Status Payment Status XXXX XXXX # XXXX # XXXX COLLECTION Third-Party Collection Agency unable to validate debt. 
XXXX XXXX/XXXX # XXXX COLLECTION Third-Party Collection Agency unable to validate debt. 
XXXX XXXX/XXXX # XXXX COLLECTION Third-Party Collection Agency unable to validate debt. HIPPA LAW VIOLATION XXXX XXXX XXXX XXXX # XXXX ACCOUNT CLOSED AT CREDIT GRANTORS REQUEST ACCOUNT CHARED OFF AND WRITTEN OFF. BALANCE {$0.00} XXXX XXXX XXXX # XXXX ACCOUNT CLOSED AT CREDIT GRANTORS REQUEST ACOOUNT CHARED OFF AND WRITTEN OFF. BALANCE {$0.00} XXXX XXXX XXXX XXXX # XXXX Collection Third-Party Collection Agency unable to validate debt. HIPPA LAW VIOLATION THE BUREAUS # XXXX # XXXX Additionally, I am allowed under the HIPPA 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 release my medical information to a third party XXXX XXXX XXXX # XXXX. I am aware that HIPPA does allow for limited information about me but anything more than to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical Information to you.

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete all names that do not belong to me : XXXX XXXX XXXX XXXX XXXX Please Delete all PHONE NUMBER : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-02-08
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. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX I have expressed to EXPERIAN, XXXX XXXX. XXXX that they were not REPORTING my XXXX XXXX XXXX XXXX  Date open XX/XX/XXXX Credit History 7 years 11 Months ALL 3 REMOVE this information XX/XX/XXXX. 

This has possessed a INTENTIONAL NEGATIVE AFFECT on my PERSONAL and BUSINESS! 

Each bureau, Experian, XXXX, XXXX have COST my Business at LEAST {$10000.00}. Dollars of BUSINESS CREDIT! 

I reach out to them on 6 occasions. NO RESULTS!!
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX I have expressed to XXXX, XXXX XXXX. XXXX that they were not REPORTING my XXXX XXXX XXXX XXXX. Date open XX/XX/XXXX Credit History 7 years 11 Months ALL 3 REMOVE this information XX/XX/XXXX. 

This has possessed a INTENTIONAL NEGATIVE AFFECT on my PERSONAL and BUSINESS! 

Each bureau, XXXX, XXXX, TransUnion have COST my Business at LEAST {$10000.00}. Dollars of BUSINESS CREDIT!

I reach out to them on 6 occasions. NO RESULTS!!
Consumer complaint received 2022-03-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (AZ)

From XXXX I was employed at XXXX XXXX XXXX XXXX XXXX As part of my compensation, I was given and funded a XXXX XXXX savings account with Branch Banking and Trust of NC. That account had {$3900.00} on XX/XX/21. 

BB & T merged with Suntrust, which in turn merged with Truist ( XXXX ). Now, Truist denies that I was ever in their system. 

Can you help me recover the money I invested?
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (IL)

I have 2 negative reportings of 30 day lates on XXXX and XXXX : XXXX   XXXX and XXXX of XXXX This reporting inaccurate and does not exist on XXXX. 

I've had the since XX/XX/XXXX, almost 3 years and I have never been 30 days late.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (FL)

On Friday, XX/XX/2022, I received a text confirmation from a company named Chime with a security code instructing me not to share it with anyone to keep my account safe. I have never had any knowledge of this company and immediately suspected a fraud attempt using my cell phone number. The customer service service phone number to report fraud was ( XXXX ) XXXX. I obtained this phone number after a web search. I spoke with 2 different customer service agents. One would not divulge her call center location. The other would only say that they are offshore and do not have any service in the United States. Neither customer service agent could provide me with a fraud hotline phone number. I also refused to share my email address with them, as it could have been a further attempt to phish my personal information. I have never experience any legitimate credit card or financial institution which had no fraud hotline. The customer service agents did not even try to look up my phone number and check for a new account being opened. The only address that I found listed for this is a XXXX XXXX XXXX 

Chime XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (GA)

I contacted the third-party collection agency I made an arrangement to settle what was owed but they still report me as derogatory on my credit report. I informed them that I was unhappy with that type of report could they please remove the derogatory statement and stop reporting it that way because I am trying to get a home and I cant because of the negative report and they denied me so I also said to them according to the fair credit report act I have a right not to have derogatory information in my report and they dismissed it
Consumer complaint received 2022-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC (PA)

I received a notice from Revco solution regarding a debt in XX/XX/XXXX I responded XX/XX/XXXX of XXXX, I sent them a notice of conditional acceptance and validation cease and desist affidavit they received the notification because they sign the certified mail return receipt. this company harasses me and keep sending me threatening emails. now I do not have a contract with this company, and they have my social security number my name and address which I did not authorize or give consent. I am tired of getting notices upon notices from this company with threatening abusive and oppressive language.
Consumer complaint received 2019-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MA)

The credit union has frozen my checking and credit card accounts, and told me an investigator will be calling me eventually. They have provided no time table, and in the mean time my account is locked for withdrawing funds. I have already incurred a {$25.00} fee for a returned payment ; there was plenty of money in the checking account to cover the payment, but they are not letting any withdrawals occur.
Consumer complaint received 2022-10-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$14000.00XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$250.00}
Consumer complaint received 2021-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MS)

After receiving a Covid-19 hardship forbearance, I was shocked to discover that Wells Fargo was going to require that I pay back the entire amount I owed while receiving the forbearance. If I couldnt pay this amount, they threatened foreclosure.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (TX)

I received a chime debit card that I HAVE NEVER APPLIED FOR. I have tried to contact the company numerous times without success, they do not have a direct phone number, unless you are trying to enroll with them.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EXPERIAN NEEDS MY AUTHORIZATION TO PROCEED, THEN EXPERIAN HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EXPERIAN on XX/XX/2022. The complaint I'm referring to includes complaint number XXXX and XXXX. In that complaint pursuant to 15 USC 1681i ( 7 ), I demanded EXPERIAN send me those REINVESTIGATION results in 15 days of the late payments that I have disputed that they claimed were " verified ''. I asked for the description of the procedures included in 15 USC 1681i ( 6 ) ( B ) ( iii ) that EXPERIAN have taken to receive those results. It has been way pass 15 days and I have not received any " REINVESTIGATION '' results. I have also asked for the written instructions I gave EXPERIAN, pursuant to 15 USC 1681b ( a ) ( 2 ), to furnish this information on my consumer report. Without my written instructions, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. I have not receive those written instructions either.
Consumer complaint received 2022-03-14
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: Resurgent Capital Services L.P. (TX)

My original complaint # with CFPD is XXXX. I received the consumer response and it is not of satisfaction. Resurgent Capital Services ( hereon out referred to as RCS ) and XXXX XXXX has no business contract. My debt was with XXXX XXXX ( hereon out referred to as XXXX ). XXXX sold my acct to RCS. RCS response to my initial complaint with CFPB is that the terms and agreements I signed with XXXX states " we may sell, assign, or transfer your acct or any portion thereof without notice to you. '' These terms were established XX/XX/XXXX which would not apply to my acct because my acct was opened prior to the terms revision in XX/XX/XXXX. I did not sign a XXXX agreement under those term used by RCS to validate financial obligation. I believe this debt should be taken off of my name based on the fact it was sold illegally to RCS. 
I am also covered under the XXXX XXXX XXXX and feel RCS is attempting to take advantage of me. 
I request this case be review again and a better resolve is reached. 

XXXX
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I realized that I had a bankruptcy that was on my account with all three credit bureaus. I contacted the bankruptcy court and they said they never gave them that information. Then I did a dispute with all three credit bureaus and I requested based on the Fair Credit Reporting Act that they provide who is giving them this information that was in XXXX. They all basically said that XXXX XXXX was providing them with that information. Then I contacted XXXX XXXX and they did a re investigation and they said that they were unable to verify the accuracy of both bankruptcy 's. They also stated that they disputed the bankruptcy that they provided to XXXX XXXX, and TRANS UNION and they said that they have received no response. Then I sent out a letter in XXXX to all three credit bureaus demanding deletion of both bankruptcy 's and I provided the letter from XXXX XXXX verifying this. They all sent me letters back two of which they were not going to delete them because XXXX XXXX verified the bankruptcy 's. XXXX  removed the bankruptcy. In XXXX I contacted XXXX  and TRANS UNION again via phone the representative acknowledge that they had the document from XXXX XXXX and would apply the information but never did and I contacted XXXX  today and XXXX again said they see the information but does not know why it has not been removed. I contacted XXXX XXXX in XXXX and they told me that they would do another dispute on there end and 30 days later they said that none of the credit bureaus responded to the dispute.