davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Despite of the multiple previous written requests, the the inaccurate items still remain on my credit report in violation of Federal Law. The Credit Bureaus failed to comply with air Credit Reporting Act, within the time set forth by law and continued reporting of unverified information. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, Sections 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit 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 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 2023-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2019-05-01
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: EQUIFAX, INC. (GA)

Yesterday I went to the XXXX dealership end test drove a car. I'm really thinking about getting a new vehicle. I went home and checked my credit report just to make sure my score was in the clear. While doing so I noticed of couple of items on my credit report that are not mine. I need these items deleted from my report. I've contacted the FTC and my local police. I'm working on this all on my own. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2021-03-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (AL)

My dad opened a home equity loan in XXXX to remodel a room. He paid it off that same year but left the loan open just in case. In XXXX, XXXX he asked me to close it for him. He was very sick and at that time, I had POA. I went to the local branch with all my legal papers to close. The customer service agent helped me close the loan. Dad died XX/XX/XXXX. 2 days later I get a letter concerning the loan which is obviously still open. I return to the same agent with death certificate and she sends it to the legal department. This continues every month. Each time I go back to the bank and make phone calls. We are selling his house, closing XXXX. This will hold up the sale.
Consumer complaint received 2023-04-04
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 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 XXXXXXXX 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 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I recently refinanced my home mortgage, and the new loan funded on XX/XX/XXXX. The payoff statement from my old servicer, Specialized Loan Servicing LLC ( SLS ), was from XXXX through XXXX. Since the new loan funded on XX/XX/XXXX, SLS owes me an interest refund from XX/XX/XXXX through XXXX. I spoke with SLS on XX/XX/XXXX, and their representative confirmed that my interest refund from XX/XX/XXXX to XXXX was in process, and a check would arrive by the end of XXXX at the latest. It is now XXXX, and I have not received a check or any further communication from SLS.
Consumer complaint received 2024-03-02
Product: Credit reporting 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. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
Incorrect historical data listed below : Incorrect Name - XXXX, LA, XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX EMPLOYER - XXXX XXXX  XXXX EMPLOYER - XXXX XXXX XXXX XXXXXXXX XXXX I also hereby formally dispute the accuracy of the following credit inquiries on my credit report : XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-04-04
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2019-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (SC)

Beginning in XX/XX/XXXX-present I have disputed a credit card with XXXX XXXX XXXX XXXX  when I noticed on my account as charge off. I have sent four rounds to the three credit bureaus, I have even sent validation letters to XXXX, and spoke with a representative at XXXX XXXX XXXX  XXXX  and she stated they did not have ANY information on file that hold me accountable for this debt. I never heard from a collection company and XXXX XXXX  XXXX XXXX.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (PA)

My bank closed my account due to a check being deposited into my account I didnt know at that time was fraudulent. I still have a balance in my account but theyre refusing to send it to me because theyre saying I need to come into a branch with my ID in order to get MY MONEY. At the time of this issue, I was living in New Jersey within 50 miles of a branch. Only thing that was stopping from going there at the was the fact that I was waiting for my ID to come in the mail because the one I had was expired. Now, I no longer live in New Jersey or within 50 miles and theyre still refusing to send me MY MONEY even tho they said they would if I didnt live within 50 miles of a branch. And the last person I spoke to told me to stop at branch when I travel. Not knowing I moved due the hardship I was facing. Not because I wanted to.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (FL)

Asked to close account multiple times, requested to put a stop on everything and they will failed to do this. They keep telling me to call the fraud department and that number hangs up on you. The next issue is they keep reopening an account once you close it. If there are ACH or deposits they should fail and I as a consumer should contact the companies. 

REGIONS bank is the worst bank ever. DO NOT USE THIS BANK ....
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (CA)

This is my other 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 alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; PXXXX XXXX Balance : {$120.00} ; 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 2021-03-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (PA)

Obtained pre-approval on loan prior to searching for a home and was approved for FHA loan and XXXX XXXX informed me that he will need 60 days to close on FHA. 
XX/XX/XXXX offer made on property at XXXX XXXX XXXX XXXX PA XXXX and not expected to close until XX/XX/XXXX based on what I was informed. 
Provided XXXX XXXX and his team at Cross Country Mortgage everything they requested in a timely manner. 
During the 60 days timeframe sent multiple emails were sent to confirm on track and request status update. 
I was sent disclosures documents to sign in middle of XXXX. At the end of XXXX I was informed that the loan Originator XXXX XXXX had made a mistake on the initial disclosures statement, my interest changed and points were being added despite the purchase amount of the property did not change. 
I confirmed after getting the disclosures paperwork with the increase that this will not delay closing as I was renting and I had already provided my lease termination letter to my landlord. 
Closing was to happen on XX/XX/XXXX however one week before that I was informed by XXXX XXXX that we are not able to close due to the error he made in the original disclosures paperwork. 
So closing happened 1 week after original date, however even after closing I was contacted to provide additional information and they did not have all of the necessary paperwork to the settlement office as requested 24 hours prior to settlement date, the paperwork was submitted with a couple of hours to closing time.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union closed my credit account and declared it a loss. They continue to garnish my direct deposits of federal benefits without notice and in large increments while refusing to grant resolution or viable explanation. They are also continuing to add interest to the closed account that was declared a loss. 

They are fraudulently continuing collection practices and what I believe to be unlawful garnishments from my direct deposits of federal benefits without notice on an account that they closed and declared a loss. 

The most recent garnishment was on today XX/XX/2023 in the amount of XXXX on a XXXX direct deposit. 

They have stated that they have the right to do so and the have offered me no resolution.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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 XXXX XXXX, XXXX XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) 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 2023-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services (GA)

To whom this may concern, This is an inquiry of concern related to XXXX car rental company and Viking client services LLC. 

On or about XX/XX/XXXX I received a letter from Viking client services stating that I owe a balance just electric debt is related to a car rental that took place in or at about XX/XX/2022. 

The car that was rented from XXXX rental company was recommended by my insurance company XXXX XXXX. Below are the documents related to XXXX XXXX XXXX XXXX and its payment towards the rental car according to my insurance agreement. According to the rental term agreements I am obligated to have my card on file while the car is in my possession. 

Highlighting that there were some issues with the amount of time that was allocated to me from my insurance company. XXXX rental had to adjust the term of my rental timeline related to the portion that XXXX XXXX  will pay. 

Please highlight that I did not exceed my rental agreement Max requirements for coverage. At the time when I returned the vehicle I paid my portion of the vehicle rental in full off of my credit card. Below you will see a document highlighting how much I paid related to my portion of the agreement. This payment was made the day that I dropped the car off in person. As you read the XXXX part bill it stated that this bill is related to a accident with the car. With is indicating to that I had a XXXX XXXX XXXXXXXX in the car and this is not the truth. I never heard of an unreported car accident costing XXXX. 

As a consumer I am under the assumption when I total out a bill at a location that I will not receive a collection notice later on saying that I owe them more money. So, I would like you to look into this issue as well as highlight that there is a possibility that hurts car rental companies are selling debts to third parties company. Such as Viking client services of debts that are already satisfied. Just highlighted in this example I am giving you. 

Would like to thank you in advance for reviewing all said documents as well as my concern as a consumer doing business with the entity known as XXXX car rental.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Marlette Funding, LLC (NY)

I opened a new credit card with Best Egg. The card has a 12 months 0 % APR deferred interest promotion. I received my first statement. Nowhere on the statement does it indicate that there is a promo 0 % APR for the current statement balance. It indicates that future purchases will have a 0 % APR ( and cash advances will have a 29.99 % APR ). The balance to which this 0 % APR applies is {$0.00}. 

The " fine print '' on my statement says that I need to pay the balance in full to avoid interest charges ( section Grace Period on Purchases ) I am concerned that the current balance will be subject to interest charges. A chat rep from Best Egg says that there is a promo for purchases with 0 % interest until XXXX. This is not indicated on the statement.
Consumer complaint received 2022-03-30
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)

I have made repeated complaints on the same issue for the last 5 years on XXXX XXXX XXXX XXXX ( XXXX ) and Experian. It has been much work for me because I was being ignored and I need to be a squeaky wheel to get anything done. Both companies unlawfully accessed my credit report without permissible permission in XX/XX/2017. I have repeatedly requested the valid permission they used to access my report and they both refuse. XXXX company had this permission. Experian passes the buck to XXXX to protect themselves and XXXX then labels all complaints as duplicate and nothing gets accompllshed with their game.
Consumer complaint received 2023-03-31
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  account # has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. in XXXX of 2012, a XXXX XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$4800.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions. (MI)

On XX/XX/2022, I received a letter from FBCS , Inc., stating that the company had purchased a debt I owed through XXXX XXXX XXXX XXXX. I paid off this debt on XX/XX/2022, as agreed. The amount I paid was smaller, but it was agreed upon by XXXX XXXX XXXX XXXX XXXX. I have sent a letter to FBCS , Inc. stating that I do not owe the debt.
Consumer complaint received 2021-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

My mortgage was sold to Shellpoint in XX/XX/XXXX. In XX/XX/XXXX I received a request for proof of insurance which I faxed over on XX/XX/XXXX ( policy was from XX/XX/XXXX to XX/XX/XXXX ). In XXXX I made sure to upload the new policy ( dated XX/XX/XXXX to XX/XX/XXXX ) to Shellpoint. I have attached proof that Shellpoint received both of these policies. In XX/XX/XXXX Shellpoint disbursed {$2200.00} from my escrow account. When I questioned this I was told it was for lender placed insurance that had been cancelled. I have been trying usuccessfully for months to find out why lender placed insurance was added to my account since I had provided them with all of the relevant insurance policies. I can't even tell you the number of people I've spoken to on the phone, none of whom gave me a straight answer. I do not escrow for any insurance as the mortgage is for a condo and the condo association maintains the insurance on the structure. The one response I did get from Shellpoint was that they had cancelled the lender placed insurance in XXXX, which still doesn't explain why over XXXX XXXX dollars was taken from my escrow in XXXX. Even if they placed insurance in XXXX and cancelled it in XXXX it wouldn't cost XXXX for less than one month. And now my mortgage payment has gone up for {$150.00} per month to cover the escrow shortage. I am truly hoping you can assist in getting my money returned to me. I am aware that mistakes happen, but Shellpoints unwillingness to correct the situation is unacceptable. By now they are in violation of Reg E as they have failed to address my concerns in a timely matter.