davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Finance Company, Inc. (CO)

I contacted this company to pay for any debts they held in my name several months back.
I reviewed each item and paid all of them -- except for a court fee that I told them I would not pay because the   XXXX   XXXX   XXXX   XXXX   had wrongly ticketed me over four years ago. Their officer routinely picked up my dog from my house, would hold him ransom For hours ( I would know he had him within minutes ), and then charge me large fees to get my dog back.
I spoke to someone and cleared all debt, also found out there were several amounts around {$5.00}, and under {$100.00}. I asked why I did n't know about those, and the debt collector told me it was because it was such a small amount that they would never try to collect it.
I paid everything except the city fees.
Today, a woman appeared on my porch, she was very aggressive and began yelling at me when I asked her who she was. She said she was an officer of the court and I had to tell her who I was. I asked her her business and stated that she was on my property and I was not going to answer her. She said, " then you 're so and so '' and shoved a court summons through my screen door. I asked her several times why she was b omg so aggressive and she repeated that she was n't, she was an officer of the court and that I needed to answer her.
Consumer complaint received 2017-11-05
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. (CA)

I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. 

I am attaching XXXX XXXX XXXX XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? 

The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My dipsutes have never been frivilous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

For example, XXXX is reporting XXXX XXXX that states there 's a monthly payment of {$490.00} on a CHARGED-OFF ACCOUNT. Not once did they send verification of the balance over when I notified them that it 's incorrect. 

for XXXX, they are reporting a monthly payment of {$25.00} on XXXX XXXX XXXX. Once again, this is a CHARGED-OFF ACCOUNT. 

for Experian, they are reporting ( all 3 bureaus ) XXXX XXXX XXXX which was never verified as mine. They can not report information that is not verified as per the FCRA and section 609 protects me against false reporting so where 's the proof? I disputed directly with that company and my mail was returned undeliverable so exactly how are they verifying this with a company that does n't have a valid address? 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. 

I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

XX/XX/2021 : I was informed by the credit bureaus that MBA placed a medical debt on my record. 
/////////////////////////////////////////////////////////////////////////// XX/XX/2021 : I mailed certified debt validation / verification letters to both MBA offices, one in XXXX TX and one in XXXX TX XXXX XX/XX/2021 : the letters were received by MBA XXXX XX/XX/2021 : The item was rightfully removed from my credit report. 

///////////////////////////////////////////////////////////////////////// XX/XX/2021 : I received a response from MBA stating that they didnt have sufficient time to investigate the debt and would reach back when they finished the results. 

///////////////////////////////////////////////////////////////////////// XX/XX/2021- XX/XX/2021 : sometime between the aforementioned dates, this item was REINSERTED into my file. 

///////////////////////////////////////////////////////////////////////// XX/XX/2021 : I received a statement from MBA with a poor excuse for a document that they are trying to pass off as verifiable. There are no signatures, no official paperwork, no hospital paperwork, the page numbering is off, and there are even typos! It is a simple print off of a document that was clearly typed up by someone in their office. Frankly, Im quite offended that they thought I would even accept this. Not to mention, even if this were my information ( which it is not ) this document is clearly in violation of HIPAA. This document goes into very specific medical details about this patient. Lastly, this balance says {$0.00}. MBA, do better! 

Resolution : Permanent deletion of this item. Im filing a CFPB complaint against XXXX for violation of FCRA Section 611 for no notification of re-insertion. Im filing a HIPAA violation against MBA and XXXX XXXX for exposing their patients medical information to a stranger. These are serious violations and all 3 businesses need to be held accountable. Please see attached documents.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (MO)

XXXX XXXX CRA is reporting an inquiry submitted by SYNC/PayPal for dates XX/XX/XXXX and XX/XX/XXXX. I did not authorize or give permission for SYNC/PayPal to pull my credit for those dates. Therefore, I am requesting that Sync/PayPal to update their system reflecting this information and send to XXXX XXXX to have these inquiries removed immediately.
Consumer complaint received 2019-08-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MI)

We sold our home in the XXXX. Michigan and purchased a new home and property in XXXX Michigan in XX/XX/XXXX. We had a VA 30 year fixed loan and the payment was XXXX. Our loan was sold to a new mortgage company , The Money Source, in XX/XX/XXXX. We received a letter explaining that our loan had been sold and where to send the payment with no other information provided. We then received our " first '' mortgage bill at the end of XXXX due XX/XX/XXXX and the amount was {$500.00} dollars more than our original mortgage payment. At the same time, we received a " new '' mortgage insurance amount that had doubled within a few months. In addition, we received our " new '' property taxes and they had also doubled. When everything was said and done within one month our payments increased {$800.00}. When we contacted the mortgage company they stated to us the changes were in relationship to our " home '' not being our " principle property. '' We told them it was indeed our principle/primary property and our " only '' property they told us when they purchased our loan the information indicated it was our " secondary '' property. 

The mortgage was done as a primary residence at the time of closing. We have lived in this property as our primary since closing. We have no other property. The new mortgage company , The Money Source, took it upon themselves, at the time of servicing transfer, to change my property from primary to secondary, contacting my homeowner 's insurance and property taxes without ever reaching out to me for clarification. Due to this clerical error, my payments have been made unaffordable, putting my husband and I into significant stress and despair. Furthermore, the mortgage company refuses to expedite any changes as this has been ongoing for months. I am running out of money and options and I sincerely need help to prevent me from losing my home due to the actions of the mortgage company.
Consumer complaint received 2021-11-16
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: Experian Information Solutions Inc. (GA)

As a consumer and natural person, Experian violated my right to privacy my furnishing alleged communication about alleged transactions to third parties. Pursuant to 15 U.S. Code 1681a, Experian has in fact included and communicated authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device by publishing the inquires below on my consumer report. In accordance with 15 U.S. Code 6802, I am exercising my right to OPT OUT of the disclosure of my nonpublic personal information to nonaffiliated third parties. 


XXXX/XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was charged an interest fee after I paid my balance off in full. My balance is due on the XXXX and my bill recycles on the XXXX I paid the balance off on the XXXX but I was still charged an interest fee. I have paid over {$2000.00} in less than 30 days but I am being squeezed for an extra {$15.00} I have been a customer with capital one for over XXXX yrs. and they claim I'm a valued customer I don't feel very valued I feel like I'm being robbed. I called customer service they gave me a song and dance about how there is nothing they can do about it I just have to pay.
Consumer complaint received 2019-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

My payments to Nelnet are due on the XXXX and the XXXX of each month. ( I have Parent Plus Loans for my XXXX children from XXXX XXXX, XXXX XXXX and XXXX University, XXXX ). I pay my loans mid month due to the different pay dates on the loans. I usually pay more than what is asked. Last month I paid on XX/XX/19. It said I owed {$1600.00}. I paid {$1700.00}. I even put XXXX toward one loan that is still in Deferment. I checked how much I owed on XXXX. It was just over {$1500.00}. I checked again today and it not only says I owe {$1600.00}, but it also says I have a late payment due of {$580.00}. I wrote the company and called. I was on hold for 10 minutes and could not stay longer as I was at work. I have written the company numerous times for other reason and it takes much to long to get an answer ( 15 days ) and they continue to not help but end their letters with " We want to help you. If you have any problems let us know. We can help ''. My account # is XXXX. I need to know why I can not figure out where the late payment is coming from and when did it appear? There is no way to get that on line and there is no way to find a history of what Nelnet has done to the account that has caused this change. The last payment was due XXXX. I paid more than what was due on XX/XX/19. How could I possibly have a late payment. Every time you check your account with this company the amount due is different. I do not who can possibly check to see if they owe money on a daily basis and keep sending money??? There should be an amount due on a specific date and that's it. This company is impossible to work with and impossible to keep track of. This is simply not right and needs to be addressed. How am I supposed to budget for this? I want to pay for my children 's education, but they are making it impossible to do so.
Consumer complaint received 2017-06-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

This is my third complaint against Ditech. I believe they are committing fraud and everyone should be aware of this. I 've called many times to have my account adjusted and either they would make excuses or put me on hold and then hang up on me without returning my phone calls as they said they would. Every month I make a payment to them on a timely basis but I receive an email confirmation with a different amount. When I call them for an explanation they are very evasive and do not have a direct answer for me. Why is my account number on the website different from the  Modification Agreement  account number? I believe they are moving money around the accounts to cook their books, just like   XXXX   XXXX   XXXX   did and Green Tree Servicing. This needs to stop. I will continue to file complaints against Ditech until this is resolved.  Ditech  should not just be sending in a letter to the Consumer Financial Protection Bureau that my account is being rectified because that is a complete lie. How do I know if all these payments that I 'm making every month is going towards my mortgage?
Consumer complaint received 2021-04-15
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. (MO)

Trans Union CRA is reporting an inquiry submitted by XXXX XXXX for dates XX/XX/2020. I did not authorize or give permission for XXXX XXXX to pull my credit for that date or any date. Therefore, I am requesting that XXXX XXXX to update their system reflecting this information and send to Trans Union to have this inquiry removed immediately.
Consumer complaint received 2021-04-15
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: PNC Bank N.A. (OH)

I opened a Secure Credit card with PNC for {$300.00}. they never sent me a bill and I never got the card but they charged kept charging me a membership fee and reported late on my credit report.
Consumer complaint received 2017-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Complete Credit Solutions, Inc. (FL)

I have made a purchase with  XXXX   XXXX  in  XXXX . Unfortunately, in  XXXX  my my wife lost her job during the recession and could not afford to make payments. They have called me at work and asked me why I stopped making payments ( I was appalled that they would even call my place of work ) but I have told them our situation. I was not offered a payment plan but instead was placed in collections.  <P/> The statute of limitations has long passed, however, while I recently reviewed my report, I noticed I was placed back into collection in  XXXX   XXXX  again after more than 7 years without ever talking to them.
Consumer complaint received 2022-12-16
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. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and wilfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE REMOVE THE COLLECTIONS ACCOUNTS FOR XXXX WHICH IS ONLY REPORTING WITH XXXX, WHY WAS IT REMOVED FROM TRANSUNION AND NOT FROM XXXX? I HAVE ATTEMPTED SEVERAL TIMES AT DISPUTING/REMOVING THIS NEGATIVE ACCOUNT AND NOTHING HAS BEEN DONE ABOUT IT. I NEED TO KNOW THE REASON/S AS TO WHY THESE ACC9OUNTS ARE STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. I HAVE GOALS I WANT/NEED TO ACHIEVE. THE NEGATIVE ACCOUNTS ARE IMPAIRING EVERYTHING FOR ME.
Consumer complaint received 2022-09-26
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. (NJ)

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. 
Account name : XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX  ACCT XXXX XXXX, XXXX ACCT XXXX XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX # XXXX, XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX XXXXXXXX ACCT # XXXX, XXXX XXXXXXXX XXXX ACCT XXXX, XXXX XXXX ACCT # XXXXXXXX XXXX  XXXX XXXX XXXX ACCT # XXXX, XXXX XXXXXXXX ACCT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT # XXXX, has violated my rights XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : 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 2019-08-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (NY)

Complaint against Marcus Goldman Sachs online savings bank. 

I was trying to open a Marcus Goldman Sachs online savings account. I completed my application by entering my name, address, date of birth, social security number, etc. However, my application was declined for no apparent reason. So I decided to place a call to its customer service in an attempt to find out why. I was told by a supervisor that the reason my application was rejected due to them unable to verify my identity. When I offered to provide my state ID to confirm my identity, they refused. The supervisor said Marcus does not perform additional identity verification check. That seems strange to me. Why a bank does not want a customers money? Why they dont even try to verify applicants identity? All of the information I provided are sensitive personal information which can be used to commit illegal personal identity frauds. I suspect this online division of the banks real business is collecting peoples personal information then later sell it for money. Please investigate.