davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-07-29
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: EQUIFAX, INC. (CO)

I am attempting to refinance my home. My mortgage company uses Equifax for a credit check. Equifax has no history of my credit. I contacted them, faxed them what they requested - copies of my State I.D . and Social Security Card. I still don't have access to my credit report and my refinance is hanging in the balance. Because the interest rates fluctuate every day on Real Estate loans, this is causing a hardship for me and may result in the loss of a good interest rate. XXXX  and XXXX have my credit history, Equifax has lost it.
Consumer complaint received 2020-12-15
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

I have been repeated harassed by Carrington Mortgage Service and I always pay my bill every month. I have gotten harassed everyday this week o XX/XX/2020. I have told them to stop multiple times and they even have been sending me " recertification '' calls as well that I have told them multiple times to stop because I am not interested. I am in duress and feel unable to fend off these people during this time of COVID-19, I am out of a job ( still making monthly mortgage payments by the way, that I have not missed ), and at this moment I am unable to walk because of a back injury. Can someone please help me in order to free my families life of unwarranted stress by this horrific company.
Consumer complaint received 2018-05-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

A {$27.00} debit card transaction to XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX EDT has caused a {$34.00} insufficient funds fee yet before making that purchase I had {$20.00} available in the account and I transferred over {$5.00} from another account via XXXX which caused me to be {$1.00} and a few cents overdrafted which is well under the {$5.00} limit according to Chase 's overdraft fee regulations
Consumer complaint received 2018-12-17
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. (IL)

The reason for my writing this letter is to inform you that this bureau is being unreasonable. I am a victim of identity theft, my information was compromised and fraudulent inquiries were included in my report without my consent or authorization. 
As a result, I contacted this company with a detail explanation that I am a victim of identity theft on XX/XX/XXXX. I pointed out in detail to them, of all the inquiries that I did not authorize and were fraudulent. BUT to my surprise this company still keeps on reporting these fraudulent inquiries and inaccurate information : 1. XXXX XXXX Never been my employer 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5.  XXXX XXXX 6. XXXX XXXX 7.  XXXX Inquiry Date XX/XX/XXXX 8. XXXX Inquiry Date XX/XX/XXXX 9. XXXX Inquiry Date  XX/XX/XXXX 10. XXXX XXXX Inquiry Date XX/XX/XXXX I also attached with it the following documents as proof of my claim : 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act This may also serve as a written notice of my intent to sue this company if they continue to insist on reporting this inaccurate information on my report.
Consumer complaint received 2022-03-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (SC)

XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law are debt collectors attempting to collect 3 ( three ) unverified debts of {$490.00}, {$1300.00}, and {$1900.00} on behalf of XXXX XXXX XXXX. 
XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law flagged my credit files on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022. ( See attachments ) I have not received any good or services from XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law. I am not a party to their agreement with XXXX XXXX XXXX, I have not agreed to pay/ tender anything to XXXX XXXX XXXX and associates XXXX Law Offices MBA, or MBA Law. 
I have not provided any releases of my medical records to XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law and I have no idea how XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law received my private information. 
I have not received any documentation from XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law to allow them to verify the accuracy of their data before placing their accounts with the credit bureaus for collection. 
According to XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Laws website ( https : //www.law-mba.com/ ) in the blue section labeled XXXX XXXX letters I was not honorably granted the opportunity, to dispute their debt via mail instead, my credit file was flagged for collection. This proves XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law do not honor their alleged clients wishes as it is displayed on their website. ( See attachments ) As per the Better Business Bureau : XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law do not have my permission to contact me by phone. I accept mail only. My address has been provided on their notice via XXXX Mail XXXX. : EJ XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-12-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Currency Services, Inc. (CA)

To whom it may concern, I XXXX XXXX sole owner of landline for 6 years have requested my number XXXX to be removed from your system for XXXX XXXX on multiple occasions and you have failed to comply so I am formally putting my request in writing and have also left a complaint message with XXXX XXXX. I will also be filing formal complaint with the Federal Trade Commision. I requested your business address today from the female representative after I told her I have requested my number be removed multiple times and that this was my home number not that of XXXX XXXX and she told me I would have to find it myself and disconnected the call. You are harassing me and interrupting my work abilities. I have never done business with this company. 


Continental Currency Services , Inc . 
XXXX XXXX  XXXX XXXX XXXX, CA XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Peeved, XXXX XXXX
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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  Account # XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  XXXX XXXXDate of inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  XXXX XXXXDate of inquiry : XXXX XXXX XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX Date of inquiry : XX/XX/XXXX TransUnion LLC Consumer Dispute Center 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 2022-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

Hello, my name is XXXX XXXX , I was under the impression that I entered into a consumer credit transaction when I provided the person. 
Wells Fargo XXXX XXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX my information.
Consumer complaint received 2022-03-06
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. (FL)

In accordance with the Fair Credit reporting act convergent account # XXXX, account # XXXX, account # XXXX, account # XXXX # XXXX account # XXXX account # XXXX account # XXXX has violated my rights 15 U.S.C 1681 SECTION SECTION 602.A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION SECTION 604 A STATES SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-03-06
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. (FL)

In accordance with the Fair Credit reporting act convergent account # XXXX, account # XXXX, account # XXXX, account # XXXX # XXXX account # XXXX account # XXXX account # XXXX has violated my rights 15 U.S.C 1681 SECTION SECTION 602.A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION SECTION 604 A STATES SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: LoanCare, LLC (CA)

i have two properties in XXXX Ca which i refinanced in XX/XX/XXXX and when i signed all of my Docs all of my docs shows XXXX XXXX California and for some reason Loan care decide to sent all of my mail AGAIN to in address in XXXX keep in mind i already filed a complaint against Loan care in XX/XX/XXXX which got started in XX/XX/XXXX Case number XXXX and here i am again having the same issue. 

Account # XXXX {$2300.00} Account # XXXX {$1800.00}
Consumer complaint received 2018-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity thief. To protect myself from future issues I have placed a freeze on all three credit reports and a fraud alert. However I am still seeing inquires on my Transunion credit report that needs to be removed as I did not apply nor consent to the following inquires. XXXX XXXX  on dates XXXX AND XXXX. However last year in XXXX I did apply for a auto loan and credit, those XXXX are valid dates XXXX and XXXX. Lastly XXXX XXXX XXXX XXXX  sent me a check in the mail in XXXX to deposit into my account if I wanted to. I did take it however a credit inquiry should not have been added to my credit report being that it was already solicited and approved. I spoke with the company and they agreed to remove the inquiry however it is still reporting. To prevent this from happening in the future I have I have frozen all XXXX credit bureaus. Please remove the fraudulent inquires from my credit report.
Consumer complaint received 2022-02-03
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2018-05-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Navient, used to be Sallie Mae, misallocated my payments. I sent them many future payments and they held them. Not applying them to principal. They took advance payments from me and told me it would lower my principal. But instead the only thing it did was extend my payments and the future interest I would potentially pay them.
Consumer complaint received 2018-05-18
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. (TX)

I paid off an account in full in XX/XX/XXXX and it is still not updated with a XXXX balance and stated closed. I have disputed this account several times also since. No outcome
Consumer complaint received 2018-05-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (KY)

XXXX XXXX called my fianc when the auto-payments I had set up had not been processed leading to several past due payments. In the phone call, they told him the exact balance of my account and how much was due at that time.

They have also called my fathers number multiple times looking for me, even though they have my location ( address and phone number ).

I had received no phone calls or letters dictating that I was past due.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-03-06
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. (AZ)

XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

Validation Letter sent to : XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX 

XXXX XXXX -- XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 


As a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 8 transactions are also against my individual right to privacy : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2022-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (TX)

On XXXX paid a medical bill to Capio partners and on XXXX XXXX received a bill for that debt fromXX/XX/XXXX. Called them that Monday and let them know it was paid in full. They had email receipt to XXXX It took me a while to get receipt from Capio partners. Got the receipt from Capio sent it over to the email provided to XX/XX/XXXX on Thursday XX/XX/2022. On XX/XX/XXXX I check my credit and it is listed as a collection again. I have the proof it is paid in full. Thank you for your attention in this matter
Consumer complaint received 2018-05-18
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: Onity Group Inc. (GA)

in late XX/XX/XXXX, my mortgage company Ocwen, offered to modify my mortgage so that I would not lose my house. During the process, the representative advised me not to pay my current monthly bill until the modification was completed. I did as advised and withheld payment until the modification was accepted and complete, but then noticed on my credit report that they were reporting me 60 and 90 days late for the time period that the representative told me not to pay. 
I have contacted Ocwen, and requested that they change those 2 months ( XX/XX/XXXX and XX/XX/XXXX ) to " no report '' instead of late, as it was their representative who advised me to be late.. They refuse to help. 

Unfortunately, the conversations with the representative were only verbal. I don't have dates or the person I spoke to as it was 2 years ago.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NC)

I have tried contacting this company by information provided and have yet to reach anyone or have anyone contact me back regarding closed accounts on my credit report concerning Navient XXXX XXXX XXXX XXXX, PA XXXX.
Consumer complaint received 2021-11-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, to about 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.