davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (DE)

So I sent a letter off on XX/XX/2022, to remove personal information that I did not want on my credit report. According

to the fair credit reporting act 15USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-05-20
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I am complaining about an improper reporting of a 30-day late mortgage payment that was not my fault. I submitted my payment on the loan servicer 's website and received an email confirmation that my payment was received. The next day, I received a second email confirmation that my payment had been processed. 

However, due to an auto-fill function on the website, apparently, my routing number became corrupted which caused a data processing error, and the bank never received or processed my payment. I did not receive any notice of this fact until after the payment was 30 days late, at which time I immediately re-submitted the payment. 

I do not feel that I am responsible for the data processing error which is resulting in a 30-day late report to the credit agencies. I have never made a late payment on this mortgage and otherwise enjoy a perfect credit report.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

There are multiple accounts on my credit report that aren't mine I don't know the account Numbers or any information for the accounts because I'm not able to even log in to any of my credit report accounts someone changed my log in information I disputed the accounts but they came back as accurate but are not mine I didn't open them. My credit score is so low and affecting my life very bad I cant rent anywhere buy a car or even get a job. My credit report even has been froze by someone other than me. I have no control access to any of my credit information and I'm not able to get any of it fixed. I have no income at all I can't afford to pay off a debt that ain't even mine I can't afford a lawyer my bank account has - {$2.00}. I shouldn't have to pay anything I should be able to have this fixed for free I shouldn't have to pay for having my information stolen.
Consumer complaint received 2022-05-19
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. (TX)

In accordance with the Fair Reporting Act XXXX  accounts : XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. And all listed inquiries 15 USC 1681 Section 602A- I have the right to privacy.

15 USC 1681 Section 604A ( section2 ) - Consumer reporting agencies can not report any accounts with out my written instruction from a consumer.
Consumer complaint received 2019-07-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I am on a fixed income and my mortgage payments started increasing over what it should of been based on a speculation of home insurance and tax increase which they were not at the time. I am now being charged an increase for a shortage i had no knowledge of and a large payment being sent for my taxes and home insurance.
Consumer complaint received 2016-01-07
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MO)

I want Ocwen to remove the balance I do not owe. 
I do not owe them for the money I already paid to other servicers. 
I want them to refund the money I just paid for the escrow on XXXX other properties in which they have no security interest and the XXXX payoff balance of the XXXX that was foreclosed in XXXX and the {$57000.00} down payment I made in XXXX. 

I have paid all of the principal interest taxes and insurance on a 30 year loan I want them to realease my lien and refund the money I did not owe. 

In addition they have nothing in writing for a new loan. 
I have paid all of the balance of the modified loan I have paid all of the escrow on XXXX properties ... twice. 

They can use the escrow they had no right to pay to another property to pay my insurance and the escrow shortage and refund the remainder
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (MO)

I have sent LVNV FUNDING LLC certified letter asking for verification of the negative account they are reporting they were not able to validate the account Im asking account to be removed because its stopping me from get my home loan.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I have an loan account from XXXX XXXX XXXXand I regularly paid the XXXX but after that my vehicle is theft and I could not receive the insurance and at the time of COVID l lost my job and so I think when I received the insurance amount a payment the loan amount but a could not receive the insurance amount, at that time the XXXX XXXX filed a case in the court against me and I received a notice from court.After that legal proceedings I contact the lender bank again and promise to pay all the amount due and XXXX and and request them to stop the legal proceedings and accordingly I paid all the outstanding balance and all XXXX and at the date XX/XX/2024 I paid fully dues for my loan without any settlement and request to close the loan to the lender. 
Now the loan account is closed but the court case is active till now and my cibil status shows suit filed.I many times request the lender bank and the Cibil to solve my problem but yet suit filed/court case is active.And lender bank reply that they can not have power/ able to remove/update the suit filed status of my cibil report. 
So sir I kindly request you to solve my problem to closed the court case and suit filed status from cibil if it is possible or otherwise give me the proper result how can I solve my problem to plan my financial planning for the future.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've asked Transunion to verify information for XXXX XXXX  XXXX XXXX account ending in XXXX regarding suspected inaccurate reporting. I sent a letter XXXX certified mail that was received by Transunion on XX/XX/2022. Please note- this consumer received a letter from Transunion stating that they can not complete my request for verification. It is reported differently to all agencies depending on the month.
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-05-19
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: CLGF Holdco 1, LLC (AL)

In accordance with the fair credit reporting act 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 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.
Consumer complaint received 2022-05-19
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: SYNCHRONY FINANCIAL (AL)

In accordance with the fair credit reporting act 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 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.
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: XOOM CORPORATION (TX)

On XX/XX/2021 I have used Xoom XXXX Service, Transaction No XXXX to internationally transfer funds to XXXXXXXX XXXX. The XXXX produced a report that transaction failed due to Recipient Account Invalid. 
I contacted the receiving XXXXXXXX XXXX to find out the root cause. I was informed that XXXXXXXX XXXX couldnt locate the transaction in their system. They requested me to have XXXX provide funds transfer XXXX report which could assist them to further investigate the issue. 
I requested XXXX multiple times to provide the docs which would assist in investigation. XXXX has so far failed to provide me the report despite multiple reminders. There seems to be a deliberate attempt by XXXX not to provide the requested report. Its beyond comprehension when these transactions are all done electronically, why XXXX failed to share the relevant docs. Its extremely perplexing that Xoom XXXX Service is not cooperating to address the problem.
Consumer complaint received 2017-09-27
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: Experian Information Solutions Inc. (MD)

On XX/XX/2017 XXXX XXXX XXXX checked my credit without my consent. I did not give them my social security number. Credit inquiry appears on my credit report and it needs to be removed. 
Thank you
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

Attn : XXXX XXXX, XXXX XXXX and XXXX Please see attached supporting documents. National credit systems INC has falsely accused me of debt that does not belong to me. An application of a lease does not legally bind one responsible for debt unless a legal lease was issued and signed between lesser and lessee. 
XXXX properties can not produce an official copy alleged lease because XXXX properties never legally issued a lease agreement in my name. 
Falsely stating there is a judgment against me is a complete lie. If the judgment was issued for my alleged lease the Lessor would have contacted me year and a half ago. It will also be reported to the credit bureaus. 
This company purchased my old records to use Poor unregulated tactics to have me given in to their fraudulent debt. This company has over XXXX complaints on Better Business Bureau with additional XXXX complaints within the last 12 months, and terrible reviews on XXXX. 
The only person I will allow legal communication with is XXXX XXXX, XXXX XXXX the department managers and XXXX the department supervisor to notify me via phone or by mail to let me know the collection account has been removed from both credit bureaus. 

This error has affected my financial health tremendously. I have an active investigating with the credit bureaus and also with my local police department. 
XXXX XXXX from XXXX XXXX XXXX does not have the legal right to contact me via phone, email or by mail after receiving this notice. 

If National credit systems INC does not remove their collection error off Equifax within 30 days from receiving this letter. My attorney will then being the legal process to rightful sue this company for fraud, defamation, legal fees and emotional stress. 


Thank you, R L
Consumer complaint received 2015-06-30
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (FL)

I was trying to modify my FHA loan, and the lender ( U.S. Bank National Association ) denied me base on " insufficient down payment '' requirement. FHA does not require a down payment, since then they have tried to gain possession of my property. I have a court hearing tomorrow XXXX/XXXX/2015 in XXXX to try to stop this injustice. This has been a great burden on me and my family.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2022-05-20
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 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.s 602 A. States I have a 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 2022-05-20
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 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.s 602 A. States I have a 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 2015-04-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AZ)

I set up payments with Navient, {$220.00} bank debit every two weeks and on set days on a set schedule. I was told to call 3 days or more ahead if a pmt date had to be changed. I called eight days ahead of XX/XX/XXXX to change the XX/XX/XXXX debit to XX/XX/XXXX and it took over an hour but eventually no problem, they said, we cancelled it and changed it to XX/XX/XXXX. But NO THEY DIDN't AND TODAY i WAKE UP TO {$220.00} GONE FROM MY CHECKING ACCOUNT and now my other bills are XXXX. Already they are demanding well over XXXX % of my income and they ca n't even debit honestly. I am REVOKING the privilege of automatic debit, they are not trustworthy. I need that money back and the pmt to be at the end of the month as THEY AGREED. I have been contacted by the AZ State Attorney General because they have too many AZ problems with Navient and they sought me out from my activity inside the CFPB website so clearly I am not alone. Of course I am cooperating fully with the AG and against Navient. I return calls to some guy XXXX XXXX ext XXXX but always a recording ... .always ... .Navient is not to be trusted
Consumer complaint received 2022-12-16
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. (LA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-11-14
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. (PA)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a 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 - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter 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, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. I have already sent 5 validation letters via mail. I have not received a response or update in regards to this matter. 

All accounts in dispute listed below : XXXX XXXX XXXX Account Number : XXXX Best Regards, XXXX XXXX
Consumer complaint received 2024-04-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (MI)

I have been trying to buyout my lease with Kia finance America for about a month and there has still been no update to my account with them. I have an approved loan with my credit union I sent Kia the endorsed check with the wet signed odometer statement they requested and now Im being told the check is most likely lost, or just going to sit at their office because they dont have any way to tie it to my account since my credit union was unable to print with my vin listed. Since Kia is telling me my check is now lost I have cancelled it and asked my credit union to reissue another one they have now mailed me a new one but Kia representatives keep changing their answer between me being allowed to be listed on the check or not. I cant seem to get any direct answer from them on if I were to mail them the new check if they will except it, I also asked if them if the original check were to show up if they could just mail it back to me so I could void it they responded with no and that it will most likely just sit at their office until someone shreds it.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NH)

I called Synchrony Bank to request a courtesy waiver of interest and late charges in XXXX XXXX  XXXX due to XXXX I was told by the Synchrony advisor that this would be done but it was not. As a result more interest and fees accrued which I did not discover until XXXX XXXX XXXX when I once again contacted Synchrony Bank. I attempted to correct the situation again in XXXX XXXX  XXXX as well as in XXXX, and XXXX XXXX XXXX. My card account was marked closed due to delinquency which is incorrect. I was assured the charges would be reversed in XXXX XXXX XXXX. My credit scores took significant hits and Im still unable to secure a credit card with any business which uses Synchrony Bank
Consumer complaint received 2022-12-16
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. (TX)

Equifax is not allowing my report to be pulled for a apartment. They are stating that my credit file is blocked, but my credit file is not blocked nor is it frozen. this has caused me to be homeless and not approved for any apartment. i have occurred charges i can not get back from applying to different apartments and being denied due to this " XXXX
Consumer complaint received 2022-04-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Caller on XX/XX/2022 @ XXXX XXXX XXXX indicated they were calling from a debit collector. The number the company was calling is utilized for business and is accessible outside of the party they are attempting to contact. This violates said party 's rights by establishing this individual has a debt and others are contacting them to collect on it.