davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Butte County Credit Bureau (CA)

Complaint : I communicated with this Bureau previously about debt ( s ) and inquired why was the debt listed on my credit report in XX/XX/2017. I made the Bureau aware that I had no knowledge of the bill because the hospital did not notify me by mail or any other form of communication to my knowledge. I wanted to resolve the matter so I informed the bureau that I had medical insurance and instructed them to contact my medical insurance company to see if they would retroactively pay the bill. The Bureau agreed and said they would contact me later to inform me of the outcome. I updated my information with them so they could mail me any updates concerning the matter but they failed to do so. Consequently, the debt is still on my credit report. I never received nothing in writing in regards to the bureaus communication with the insurance company nor the dispute. Not even a call. I recently requested the Bureau to dispute the matter for me and they refused. I informed them that I wanted a statement of account and to remove any negative reporting from my credit until I'm given written verification of the account and also a chance to resolve it esp. due to financial hardship at this time. The Bureau acted rude and very unprofessional as though they did not want to resolve the matter nor did they want to file the dispute. I should of had a fair opportunity to resolve it before the hospital sold the debit to a third party collection agency and filed a negative report ( s ) to a credit bureau.
Consumer complaint received 2020-06-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

On XXXX I emailed my mortgage officer that I need to know if we are being denied for a mortgage, and if so I need a denial letter that day because our financing contingency ended on the XXXX of XXXX. After repeated telephone calls to Navy Federal and my mortgage officer I have yet to receive this letter. I am at jeopardy of losing my earnest money deposit on their behalf. I gave ample notice, I have written messages to Navy Federal, I have sent emails, I have called several times.
Consumer complaint received 2023-01-18
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. (TN)

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.

FCRA 605 ( a ) ( 6 ) ( A ) 1 ) XXXX XXXXXXXX XXXX  ACCT : XXXX XXXX XXXX : {$1100.00} REQUESTED VALIDATION FROM COMPANY Attached I have a included what was FINALLY mailed to me after request were made by the CRAs. As you can see XXXX XXXX XXXX has FAILED to provide me with a copy of any form of signed written proof that this is my account The requested information of my written permission has not been given to companies that are reporting to Transunion, XXXX, and XXXX. Previous request of the CRA to provide me with this written proof of such authorization has gone UNANSWERED.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (GA)

From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Consumer complaint received 2022-05-04
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: 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. 
XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XX/XX/2022 Experian XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

I received a {$50.00} gift card for my birthday that was purchased at XXXX by my mother-in-law on XX/XX/2022. When I went to check the balance of the card on XX/XX/2022, there was a {$49.00} charge from XXXX on XX/XX/2022 that I did not make. I called the customer care number to report the fraudulant charge. The person I spoke with told me in order to start a case, they will need to know information that I was uncomfortable giving out. They wanted to know my name and then asked me for my birthdate. That's when I felt uncomfortable and ended the phone call. I did not see the need for them to know my birthdate and felt like they were going to try and acquire more personal information from me in order to engage in more criminal activity. 
The website to check the balance of the card is XXXX. The number I called for customer service is XXXX.
Consumer complaint received 2018-11-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC (FL)

XXXX XXXX notified me of a Derogatory Mark by a company called Cavalry Portfolio Se that I've never heard of. They are saying I owe {$3400.00} to them and put the mark on all 3 credit bureaus. Date is showing as XX/XX/2018. I've never opened anything at all in XX/XX/XXXX.They call me repeatedly from multiple phone numbers posing as a " local '' number and it's to my mobile number which I use for my business. It's ridiculous being on the phone with potential clients and having the same numbers beeping in. I've said repeatedly that I have no idea what debt they are referring to and to send me something showing my name, and my signature with their company deemed with this ridiculous amount otherwise to stop calling me. I still receive phone calls. My next course of action will be to contact an attorney to handle this if it's not resolved.
Consumer complaint received 2022-05-04
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  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 is the account that are reporting on my Credit Reports : XXXX XXXX Balance : {$6500.00}
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-06-12
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 Accounts, have 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.

15 U.S.C 1681 ( 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. 1681-2 ( 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.

I've been a victim of identity theft and never applied for any of these accounts : Equifax : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-02
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM 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
Consumer complaint received 2023-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: AppFolio, Inc. (CA)

The software, AppFolio used to manage the buildings is now going to start charging a fee to have the owners pay their monthly assessments. This company marketed this as a free service and as soon as I got the majority of my owners to pay through their software they decided to start charging {$2.00} for each ACH transfer.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (FL)

In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction 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 2019-09-10
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: EQUIFAX, INC. (MS)

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this item however, I have not been successful.
Consumer complaint received 2019-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Lender Placed flood insurance was purchased by the mortgage company even though the house was destroyed by fire and the mortgage company was aware of this and had all the official documentation sent to them outlining that the house was a total loss, flood insurance could not exist on property without a house etc. they have refused to refund the lender placed insurance back into our escrow account thus causing our monthly payment to increase.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), 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 2022-05-04
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX  ( XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ), 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 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (TX)

I received a letter from Nordstrom Card Services- dated XXXX stating the following : That they were apologizing for overcharging me interest on their credit card. I have reached out them asking for the details. 1. What time frame did this cover? 2. What was my interest rate charged and what should it have been? etc. Customer rep told me today that they have no information pertaining to my questions. They did credit my account the overcharged interest and additional amount in light of the error. I just need to find out the details and whether we deserve more. This could be just hush money to move on. I need details, which they won't provide.
Consumer complaint received 2018-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NE)

I have been on a income-driven payment plan for at least 2 years. My plan came up for renewal in XX/XX/XXXX ( current plan expired XX/XX/XXXX ), I promptly renewed, received a letter telling me they got my renewal application and then a few days later ( XX/XX/XXXX ) got another letter telling me my renewal was accepted and there was nothing else I need to do. Then today ( XX/XX/XXXX ) I received a letter telling me I failed to renew my income-drive repayment plan and my payment was doubling. So far no response from Navient on why they doubled my payment.
Consumer complaint received 2022-05-04
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: Synovus Bank (FL)

In accordance with The fair Credit be XXXX act XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 It also states A consumer reporting agency Can Not furnish A account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open Consumer credit plan as late for any purpose
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (MD)

Hello I opened a credit application with the XXXX XXXX XXXX XXXX XXXX. They rand my credit twice which decreased my credit score and then would not let me cancel or withdraw the application before it was confirmed. They would not give me a reason and basically are forcing me to accept their terms. Moreover, they can't tell my why the review process is taking so long.
Consumer complaint received 2020-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (SC)

so i filed a identity theft report with the ftc and i printed the documents and sent the to this company and its been over 2 weeks. i told them it wasnt mine and even included in the letter that someone was in jail for stealing my identity and even the persons full name and jail they are currently in. i dont know what else to do because the police in the case called me and told me what happened and told me the lady had charges in my name as well and i should look at my credit report because she had credit cards with my name. please help me with this.
Consumer complaint received 2019-03-20
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)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with XXXX -  partial account numbers XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-03-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (CA)

My complaint is with LOANCARE A SERVICELINK COMPANY, this complaint starts back to XX/XX/2018, after Hurricane Michael had destroyed my condo in XXXX XXXX FL, I took the right steps in notifying them right away that the property was destroyed and I asked them what my next steps should be. They told me they would put a forbearance on my account for 3 months, at the time I thought this would be enough time for me to receive my insurance checks and payoff my mortgage because the HOA voted to not rebuild the condos. Once the 3 months was up I informed them that I was still waiting for a 3rd insurance check to pay off the mortgage in full. LOANCARE told me that there was nothing they could do and expected me to make an XXXX mortgage payment on a property that was destroyed, after I had to move, find a new job and place to live. I told them I could not do this and asked them to wait a few weeks for the last insurance check. They did not, and started attacking my credit with a 75 point deduction every month that it was late. When I finally received the 3rd insurance check, I Noticed that the check was made out to the wrong mortgage company ; it was made out to XXXX XXXX XXXX XXXX, the mortgage company I originally bought the mortgage from, they then sold the lean on the property to LOANCARE. I was told by the XXXX XXXX ( where the property is located ) Clerk of court that the records have to be updated by the mortgage company that they own the lean on that land. ( you are supposed to do this when a mortgage company transfers to another, but it was not done ) So the HOA Trust fund can cut me a new check with the updated mortgage company. I have been calling countless time to inform them of this to no avail. They just transfer me back and forth between their insurance department and mortgage department. Telling me they have no idea who deals with that or they will do it and then nothing happens, I then call back, and they act like they never even heard from me in the first place. At the same time they pile more and more late fees, interest, onto the payoff statement. It has been 6 months since Hurricane Michael. I have the means to pay it off in full but they will not do their part.
Consumer complaint received 2019-03-20
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: Navient Solutions, LLC. (CA)

XXXX  and XXXX  are reporting incorrectly that I am 120 days past due on loans with NAVIENT - partial account numbers XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2023-02-14
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)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE LISTED ON THE PDF DOCUMENT ALONG THAT IS ATTACHED THE PERSONAL INFORMATION. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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 accordance with the Fair Credit Reporting Act XXXX  the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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.