davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
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. (WA)

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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instuctions.

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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX is stating I have a 90 day late payment from XXXX of XXXX. In XXXX of XXXX I filed a deferment. I also informed XXXX that I was XXXX XXXX XXXX and that I wanted to make sure that my account was in good standing before I was going out on XXXX XXXX. XXXX told me I qualified for the income driven program and that I my bank ace a month with be XXXX. I also was informed that I would not have to make another payment until XXXX. I filled and completed the application for the income driven plan and faxed it to the XXXX. Upon checking my credit report I was o formed that I was 90 days late. Every month was on time but XXXX of XXXX. I asked to have it the late payment disputed through XXXX, XXXX, Equifax and XXXX for reporting in correct information. I also reached out to XXXX and XXXX XXXX to have the late payment disputed off my credit report.
Consumer complaint received 2021-07-21
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 recently sent multiple letters to you regarding a number of accounts including accounts " XXXX XXXX, XXXX and XXXX Bank. '' I notified you of inaccurate and invalid late payments regarding this account and others and you failed to fix them. First off these payments are not just a violation of the FCRA but a violation of 15 USC 1666b ( a ) timing of payments. I also already received a notice from XXXX regarding the account and you should have been notified.
Consumer complaint received 2023-04-01
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. (NV)

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 XXXXXXXX, 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 an account without my written instructions
Consumer complaint received 2022-10-13
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. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Recovery Services (IN)

Around XX/XX/2021 I called market apartments where I originally owed a {$630.00} unpaid that for my last rent payment. I spoke with the lady there and she stated that she can not find me in the system because the debt was already written off. I asked her if she can email me some thing that stayed at that saying that the debt has been written off.She said because the debt was so old and it was under the old management company that she could not. I then called the debt collection company regional recovery and let them know that the debt the debt been written off. I asked them to they provide me with the original company that I ordered that too and they could not. I have tried to dispute this on XXXX with no success. I do not believe I owe this Debt because it has already been written off by the old company and they are nowhere to be found.
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

I am requesting your assistance in obtaining a corrected Certificate of Satisfaction from Chase Mortgage Services , Inc. ( Chase ). 

In XX/XX/XXXX my husband and I purchased our home in XXXX, Virginia and the mortgage company, XXXX held the mortgage on the property. XXXX went out of business and Chase assumed ownership of the mortgage. In XX/XX/XXXX, when the lien was released, Chase made an error on the release of lien which indicates page 2203 and it should be 2293. 

From XX/XX/XXXX to XX/XX/XXXX, we have refinanced our home several times and a title search was conducted on each loan and we were never advised of any issues with the release of the lien. 

In XX/XX/XXXX, my husband and I were attempting to obtain a line of credit from XXXX XXXX XXXX XXXX. When a title search was conducted on our property, the search revealed that the Certification of Satisfaction issued by Chase has an error on it. 

XXXX XXXX, the loan coordinator with XXXX XXXX XXXX XXXX, advised us the issue and sent an e-mail to Chase requesting that a corrected Certificate of Satisfaction be prepared and filed with the court. Chase never responded to her, nor to us indicating that they were going to issue a new Certificate of Satisfaction. 
The ultimate issue is that when we sell our home in the future, it can not be sold without a corrected Certificate of Satisfaction. It is our understanding that the only way we can resolve this issue is to hire an attorney and communicate with Chase. I do not believe that my husband and I should incur the cost of hiring an attorney to get this issue resolved. Chase made the mistake and they need to correct it.
Consumer complaint received 2021-06-03
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: EQUIFAX, INC. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (VA)

MidXXXX XXXX SunTrust/Truist decided to close my account, due to my XXXX XXXX XXXX son attempting to deposit a bad check ( he was catfished ). It did not seem fair to close the accounts of my wife, XXXX XXXX XXXX son and myself due to his error, but that was Truist 's decision that i appealed to regional management to no avail. I was not allowed to speak to the actual fraud team making the decision which was very disappointing as a 10+ year customer with over {$20000.00} in the bank. 

The bigger complaint is that from the time they told me it was closed ( which was pretty immediate upon the attempted deposit ) until the time they sent me a check with my circa {$25000.00} has been 3 weeks and counting. And i immediately lost online access to see what my balances were and to see recent statements / transaction. I called and escalated calls to both general service and fraud 3-4 times but in each case i was told the account was being closed but i would not get a check until their investigation was concluded. AND i was not allowed to communicate with the investigating team as they don't talk to the outside world! 

For them to hold what could have been all my money for 3-4 weeks is just unfair and feels illegal. They caught the bad check ( which was for {$3500.00} ) and there were no other pending transactionss, so there no logic for them to hold my $ XXXX for a month. That is just robbery, as it is my money!
Consumer complaint received 2021-06-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (MD)

This medical debt collector is charging me XXXX from XX/XX/XXXX which I have no idea where this company is from. I havent gone to a doctors appointment since XXXX therefore I have no idea where this amount is coming from. I have never left the state
Consumer complaint received 2019-03-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

I took out a student loan in XXXX with Navient, I have since than been deferring this loan. On XX/XX/XXXX, I received an email from XXXX XXXX ( my credit card ), advising me that my credit score had dropped from XXXX to XXXX. When I viewed the reason, I discovered I was 90 days past due on my loan. I did not receive any type of contact from them letting me know my bill was due. Every year, I receive a letter from them and I defer the loan, this time I received nothing and therefore, was unaware the account was delinquent. I recently moved to California on my own and am work part time and enrolled in college for XXXX XXXX full time. This neglect by Navient has changed my life. I work hard on my keeping my credit score above average and now it is below average. When I contacted Navient, they informed me that I did not have an account with them and I tried to explain that I did because I have deferred the loan for years. I than questioned why I didn't receive a bill and their reply was because I was signed up for electronic billing. This is contradiction by Navient, how can I sign up for electronic billing if according to them I never had an account and if I never had an account, where has my loan been for the past years. Navient informed me the only way I could get it removed is if I file a dispute, which I have. If Navient was not neglectful in contacting me has they have done in the previous years, this would not have happened.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (MI)

Midwest Recovery Systems has reported a collection account to all three Credit Reporting Agencies ( XXXX, XXXX, and XXXX XXXX. I do not recognize this account as being mine. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting Midwest Recovery Systems to provide me with a validation of the debt. To clarify, I am disputing the account being reported by Midwest Recovery Systems and demanding validation of the debt. ( XXXX XXXX XXXX Sec. XXXX XXXX b ) ) I do hereby request that Midwest Recovery Systems provide me with complete documentation to verify that I owe the said debt and have a legal obligation to pay it. Please provide me with the following : ( 1 ) the agreement with the creditor that authorizes you to collect on this alleged debt with the agreement bearing my signature stating that I have agreed to assume the debt. ( 2 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. ( XXXX ) Proof that the Statute of Limitations has not expired. ( 4 ) Complete payment history on this account along with an accounting of all additional charges being assessed. ( 5 ) Proof that Midwest Recovery Systems is licensed to collect debt in the State of Michigan along with license numbers and Registered Agent. If Midwest Recovery Systems fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my XXXX, XXXX and XXXX credit reports. Moreover, all future attempts to collect on the said debt must be ceased.
Consumer complaint received 2021-12-08
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)

I am XXXX XXXX and I am submitting this complaint myself. I sent letters to Transunion Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 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. REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (FL)

On XX/XX/2021 I contacted consumer reporting bureaus asking for verification of alleged debts associated with my consumer files. I received a communication from a debt collector who wasn't given prior consent to contact me and who I've never spoke to or created any alleged debt with. The communication that was sent to me was validation of the alleged debt and not verification of the alleged debt as I requested. I have attached documentary evidence with this complaint along with the violations the debt collector committed.
Consumer complaint received 2021-06-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It's been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 months nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. FTC XXXX  Filed, see attached.
Consumer complaint received 2021-07-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (FL)

I contacted the Veterans United after the denial of a VA home loan. The VA does not set a hard and fast rule on a credit score. If you are a veteran you are entitled to a VA home loan. The scores of XXXX is what would normally be required for FHA or conventional loan. There should be no discrimination on a veteran because they do not have a credit score of a particular number. I was told by the lender it was because of my credit score that I do not qualify for a VA home loan. I have other pre-approvals by other lenders but XXXX XXXX has lied and said I need a certain score. The VA does not discriminate. I have money in the bank and my debt to income ratio is awesome. I have a few OLD blemishes on my credit but have a score of XXXX should not be grounds for denial. I feel like I am being pushed out of a VA home loan because they don't want to offer such great benefits that a 100 % XXXX veteran is entitled to.
Consumer complaint received 2018-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I went to a XXXX XXXX ATM to deposit XXXX., but the ATM machine ate my deposit an did not credit my account. It also kept my debit card. This happened on XX/XX/XXXX at roughly around XXXX. In XXXX, La.I preceded to the main office building to tell the folks, the atm ate my deposit. From there they started a claim, in which XXXX was credited to my account in the following days. On XX/XX/XXXX XXXX XXXX reversed the credit, saying that when they check the machine it only had {$500.00} over, thus stealing my money.
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

I originally, purchased a XXXX XXXX XXXX to XXXX XXXX XXXX dealership/rep. was XXXX ( email att. ) leased thru XXXX XXXX XXXX.   Months after I returned the XXXX vehicle and got a new lease at same dealer for a XXXX XXXX XXXX XXXX in XX/XX/XXXX, I started getting billed for the first lease charge of approx. {$2000.00} ( see att. ). In XX/XX/XXXX, I filed bankruptcy but continued to pay my XXXX new vehicle lease. I have called XXXX on many occasions to correct payments from being applied to the XXXX account instead of XXXX and also missing payment not accounted for via email ( copy att. ) without response. They will not provide me required info because of my status, but have sent me an illegible statement of payments and incorrect two statement thus far, this has been ongoing now since before the BK was filed.
Consumer complaint received 2018-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC (TX)

I XXXX XXXX received a letter from XXXX XXXX dated XX/XX/18 stating that I owe them a debt of {$680.00}. 

Furthermore they are admitting that they bought the debt from another agency named XXXX XXXX. I have no knowledge of either of these companies and I'm positive that I don't have a contractual agreement with either of them to pay them any amount. 
I fully believe that this is not my account or is a case of mistaken identity. 
I also request full validation of the debt from XXXX XXXX. 

Either way I'd like this account immediately and permanently " deleted '' from any credit bureaus or reporting agencies as I am positive that my rights are being violated. 
Thanks.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing in response to your recent email concerning a hard inquiry complaint I submitted through the Consumer Financial Protection Bureau XXXX CFPB ). Thank you for your communication regarding this matter. 

Upon review, I discovered a hard inquiry on my consumer report dated XX/XX/XXXX, which I was previously unaware of. As such, I formally request that XXXX XXXX  takes the necessary steps to remove this inquiry from my TransUnion XXXX report, in accordance with relevant consumer protection laws, including those established by the Federal Trade Commission ( FTC ) and other applicable statutes. 

Furthermore, I am exercising my right to revoke consent for future contact via email, phone calls, and text messages. I trust that XXXX XXXX  will adhere to consumer protection laws and refrain from contacting me through these channels going forward. 

Please acknowledge receipt of this letter and confirm when the requested actions have been completed. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2022-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc. (PA)

This medical debt is not owed I have health insurance and do not owe this bill. I did not sign anything with my signature stating this debt belongs to me. Please remove this from my credit report immediately. This is a medical debt that's not owed when there is health insurance. I signed no papers owning this debt
Consumer complaint received 2021-06-03
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. (AL)

On XX/XX/21 I disputed a public record bankruptcy on my transunion credit report requesting validation/accuracy/verificatuion of entry. They responded by asking for more documentation. Therefore I responded by sending a letter from the alabama court saying they do not send this info to the bureaus. And from what i have learned, correct me if Im wrong, is all information on a consumer 's credit report must be verified with the original holder of information. In my case, the US alabama bankruptcy court. And according to them they do not send this info in to the bureaus
Consumer complaint received 2021-06-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MI)

THEY ARE CHARGING ME DOUBLE OF WHAT THE CAR WAS WORTH AND PUT IT ON MY CREDIT. THEY ALSO REPOED MY CAR AND SAID THEY DID NOT. I DIDNT DRIVE IT BECAUSE iT WAS RECALLED BEFORE I BOUGHT IT, WHEN I DROVE IT EVERY SO OFTEN THE STEERING WHEEL WOULD KEEP XXXX  ALL OVER THE ROAD. I MADE THE COMPANY AWARE WITHIN THE FIRST 2 WEEKS OF MY PURCHASE. I ALSO PAID FOR THE GAP INSURANCE AND NOBODY HELPED ME GET IT FIXED.