davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NJ)

NAVY FEDERAL IS REPORTING AN ACCOUNT BALANCE IN ACCURATE DUE TO FRAUD CHARGES BEING MADE ON THIS ACCOUNT. I HAVE NEVER BEEN 30 DAYS LATE. I REPORTED THE FRAUDULENT CHARGES TO NAVY IMMEDIATELY. BILLING ERRORS DUE TO FRAUD. I HAVE NEVER RECEIVE ANY LATE NOTICE OR BILL FOR XXXX PAYMENT. I COULD NOT HAVE BEEN LATE, I HAVE MY CREDIT CARD AUTO PAY ON. I MADE A PAYMENT. I DONT HAVE ANY LATE CHARGES OR FEES. I WAS TOLD XX/XX/2022 WILL NOT REPORT LATE, INVES, I AM NOT RESPONSIBLE FOR FRAUD CHARGES OR FRAUDULENT BALANCE. PLEASE DELETE AND REMOVE XXXX DAY LATE PAYMENT AS I HAVE NEVER BEEN LATE ON THIS ACCOUNT. THIS IS A BILLING ERROR DUE TO IDENTITY THEFT. I ASK YOU TO UPDATE MY CREDIT REPORT TO THE CREDIT BUREAUS XXXX, XXXX AND XXXX IMMEDIATELY 15 US CODE 1666 - CORRECTION OF BILLING ERRORS 15 USC 1681B- PERMISSIBLE PURPOSE OF CONSUMER REPORTS In accordance with the Fair Credit Reporting act NAVY FCU 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT.

SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I am a natural person, I am a living human being, I have the rights under 15 USC 1681 NAVY FCU is govern by 15 USC 1681. They violated my rights numerous of times. I demand the accounts listed below be remove because According to 15USC 1681 : I have the rights to privacy and did not give NAVY FCU written permission to furnish these accounts.
Consumer complaint received 2017-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (TX)

After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from Synerprise. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.
Consumer complaint received 2022-10-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : XXXX
Consumer complaint received 2022-10-27
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. (NV)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XX/XX/XXXX.
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. (CA)

In accordance with the Fair Credit Reporting Act, the following businesses and referenced accounts have violated my rights : XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX, XXXX. Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX Account # XXXX, CXXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, US DEPT. OF EDUCATIONXXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-27
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. (SC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2900.00} ; 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 XXXX XXXX XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i contacted all 3 credit bureaus on XX/XX/2022 asking them to verify the accounts and debts on my credit reports due to the fact that i noticed some inaccuracies on my reports the responded telling me that they have verified my reports and yet there are still some inaccuracies on my credit reports the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN ACCORDANCE TO 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2024-06-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc. (TN)

From the beginning, I have always made my payments on time. Roughly about two years ago my wife, XXXX XXXX XXXX XXXX XXXX and it was my responsibility to take care of her.. so I reached out to my mortgage company and applied for help with one of the payments. They instead of giving me the option of one month they said oh I could get up to three months and that those three months would be put at the back of the loan just to help. so I thought this was a gift from XXXX, but never did I know years later, it would come up as something dishonest that they did. I tried to go and refinance my home and try to get XXXXXXXX to help me with that.. what they uncovered at XXXX XXXX was that mortgage company took out a second mortgage on my home to cover the past due payments. I did not agree to that nor did I know that they were going to do that to me.. here we are present day and for the past couple of months because of bad weather with snow, tornado destruction and my companies lack of loads because I am a truck driver. My hours have fell short, and my checks are even shorter. I am also going through a separation and a divorce from my wife. With all of this, I have several times tried to reach out to this mortgage company often staying on the phone about 45 minutes waiting on someone to come to the phone to help me for the phones to get disconnected. No one respond back through email they call or claim to call and Leave me a voicemail send they called but my phone never ring me reaching out to them via email asking them to call me from a different number or provide me with the number they are calling so that I can at least save it in my phone. They denying that me trying to tell them can I please send in partial payments just to show that I am trying to pay you guys for them to tell me that was declined, me asking and begging them to set up some type of deferment or some type of push to the end of my loan payment to keep me from going behind. They denying that me setting up XXXX emails requesting to have a conversation with them only for them to set up a time and not fulfill their promises. I am getting nowhere with them and at this point right now my account is showing delinquent by a large amount that I really dont have, I have been trying to ask for help. I have been praying for help and it seems like to me no one wants to help and it is not fair that you asked for help before it gets to this point no one wants to help you and then once it gets to this point, its like nothing they can do, so I am just looking for help. I can get to get someone to give me justice from this company.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CA)

XXXX was originally managed by XXXX. XXXX announced it would no longer be overseeing XXXXXXXX XXXX XXXX company. The new company/bank overseeing XXXXXXXX XXXX XXXX  is Comenity Bank . 

We noticed our new credit cards were not arriving. When we called Comenity to inquire regarding new credit cards, we were first informed they had to cancel our orginally issued credit cards because someone had attempted to register them fraudulently. Another representative failed to support that story and instead acknowleged that the company had never sent the cards and would be reissuing new cards. 

They never sent a last statement with updated balance even though they noted in a prerecorded message that new statements with current balance was mailed. 

We called in and were able to obtain our balance in order to make current payment. 

During a follow up call, we inquired regarding our rewards and informed them we would like to obtain our rewards. 

The representative hung up our telephone call. 

When we called back, they informed us that we needed to set up an account with them in order to obtain our rewards. They noted that in order to set up our new account, we needed to have our new credit cards. 

We informed them that we have yet received our new credit cards. They informed us that our new credit cards were on backlog. 

When we asked that our rewards be issued directly as a deposit to our bank as that is an option, they informed us that the Rewards page was down and they could not assist. 

We requested to speak to manager. We were unable to get one on the line following a prolonged wait.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

i contacted all XXXX credit bureaus on XX/XX/2022 asking them to verify the accounts and debts on my credit reports due to the fact that i noticed some inaccuracies on my reports the responded telling me that they have verified my reports and yet there are still some inaccuracies on my credit reports the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN ACCORDANCE TO 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have reviewed my consumer reports and I noticed that the following inquiries are unauthorized : XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) I have called several times in attempt to request unauthorized inquiries be removed as well as sent several letters requesting only to receive correspondence showing inquiries still on my reports. Last letter was sent around XX/XX/XXXX.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CBC Companies, Inc. (MN)

I am currently involved in a civil suit for a force sale of the house that I own with my ex significant other. He ran a credit report with XXXX XXXX using my other house I own as his current address in which he has never lived there to get a better credit score. The mortgage agent knew this address was false and ran it anyway because she is the one who helped me finance the house. Due to the running of this credit score my other 2 houses I own were on there in which one house he has never lived in also. Therefore he committed fraud and than submitted the credit report in his court document and that is how I found out. Now I am unable to check my credit report due to this fraudulent action and am currently in the process of buying a house. This was an act that he did deliberately and I have the report as proof along with thr court. His name is XXXX XXXXfiled a credit report with XXXX XXXX with the report filed by XXXX field. Loan number XXXX ... reference number XXXX by factual data company
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. (MA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 
15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-02-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Platinum Holdings Group, LLC (CA)

Person by the name of XXXX XXXX has consistenly called my place of work asking to contact me ( XXXX XXXX ) on an urgent message, even though I told them I do not wished to be called further, as has my work 's receptionist. They continue to call even after I have told them I do n't know what they are talking about, and to call ( XXXX ) XXXX. The number varies from time to time, as does the company.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (NY)

I've called multiple times and sent via fax a request to receive a copy and freeze my credit report at Sagestream. 

First, they claim you can call in to request a freeze by speaking to a representative. I have called over 50 times during business hours and not once have I gotten through to a representative. It goes to a pre-recorded message. 

Second, they claim they will call you back within one business day. I've left multiple messages and the only time they've ever called me back was several business days after my first call. Unfortunately, I couldn't take the call at the time. After that one time, they never called back.

Third, I submitted via fax a letter requesting a freeze and a copy of my report on XX/XX/21. I have not heard back. 


Sagestream is a joke of a business and CFPB is a joke of an agency to let this continue.
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, the following businesses and referenced accounts have violated my rights : XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX, XXXX. Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXXI Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, US DEPT. OF EDUCATIONXXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX 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 states that a consumer reporting agency can not furnish an account without my written instructions.