davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (VA)

My son had an injury while we were vacationing in XXXX Florida. We had insurance but there was a problem with the XXXX XXXX accepting the insurance for some reason. We provided the insurance information but somehow they disputed we had coverage and would not accept the proof of insurance later.
Consumer complaint received 2023-01-11
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. (NY)

In accordance with the fair credit act XXXX account # XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has ultimately violated my rights 15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Follow-up complaint to resolution of complaint ID # XXXX. 
I have received my report from the company dated XX/XX/2022 and multiple errors still persist. My correct name, phone number, and address was given in my i.d theft report. XXXX errors still persist on my report after the complaint. 
According to the 15 USC 1681, i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my infomation with third-party people. 
I believe these are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

LoanCare has been billing me for insurance out of escrow since XX/XX/XXXX even though I provided proof of insurance of my own starting XX/XX/XXXX and the lender refunded the unused portion of the amount taken out of escrow since I no longer needed the lender placed insurance since I hand my own. I had coverage with XXXX XXXX XXXX XXXX Insurance company from XX/XX/XXXX - XX/XX/XXXX. Prior to the coverage expiring I decided to switch over to XXXX XXXX XXXX XXXX, whos coverage was to start XX/XX/XXXX - XX/XX/XXXX and they sent over evidence of insurance XX/XX/XXXX. LoanCare stated they didn't receive it so I provide the details over the phone to their insurance agent and emailed it to them as well. Then, without my consent, they sent a payment to XXXX XXXX XXXX XXXX XXXX XXXX of {$980.00} to renew that coverage which they received on XX/XX/XXXX. So, I had to contact XXXX XXXX XXXX XXXX XXXX XXXX to request that money sent back to LoanCare and I confirmed LoanCare received it via their insurance department. LoanCare then sent a payment of {$430.00} to XXXX XXXX XXXX XXXX, received on XX/XX/XXXX, even thought when I spoke to LoanCare 's insurance department, I advised them I am paying XXXX XXXX XXXX XXXX direct via autopay when I provided them proof of insurance over the phone when I was asked. I then had XXXX XXXX return that payment to LoanCare which was returned on XX/XX/XXXX. I have not missed a payment with either insurance copy. I have contact LoanCare several times to resolve this issue but keep getting the run around. At one point I was told by one of their agents that the {$25.00} charge was a payment to XXXX XXXX XXXX XXXX XXXX XXXX which was proven a false once I contacted XXXX XXXX XXXX XXXX XXXX XXXX and they confirmed no such payments received. I have spoken with several of their agents and supervisors for assistance and they would either have me submit a escrow analyst request or submit it themselves but I get the same that I past due, which I supervisor confirmed that I'm not. I accepted an offer from LoanCare for a COVID relief forbearance, from XX/XX/XXXX XXXX, and per the terms " If you go into the forbearance past due then you will be reported as paste due ''. I was never past due before the forbearance and I'm not past due now. A supervisor had as well informed me they LoanCare is not familiar with the forbearance process and believes that is why they are saying I past due but no one knows how to fix it. Starting on XX/XX/XXXX that {$25.00} increase to {$160.00} for escrow insurance payments for XXXX, which is XXXX XXXX XXXX XXXX, who I already pay directly via autopay.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Good Afternoon, On XX/XX/2019, we filed for bankruptcy due to medical illness and the process of applying for XXXX  XXXX. My XXXX  XXXX was approved XX/XX/2019 so we cancelled the bankruptcyXXXX. The Bankruptcy was dismissed/Closed by the US Bankruptcy Court by XXXX XXXX XXXX USBK Court XXXX Texas XXXX XXXX XXXX. 

In reviewing our credit report we noticed the bankruptcy report was on our record from XXXX, XXXX and Transunion. We filed a dispute with all three bearus and XXXX and XXXX deleted the report from our record, however Transunion did not remove it from the record. I have filed two more disputes with Transunion and they refuse to remove the bankruptcy. This is hurting my credit and having a hard time getting credit. 

Please assist in getting the bankruptcy report off my credit. 

Thank you, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-04-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ALLIANT CREDIT UNION (IL)

I, XXXX XXXX entered a consumer credit transaction with Alliant Credit Union on XX/XX/2018, which involved a finance charge. Pursuant to 15 USC 1605 ( a ), a finance charge is the sum of all charges in a consumer credit transaction and does not include cash. Alliant Credit Union has collected monthly payments from me since XX/XX/2018, which is in violation of 15 USC 1605. Also, Alliant Credit Union failed to include my auto insurance which is to be included in the finance charge, pursuant to 15 USC 1605 ( a ) ( 5 ). Alliant Credit Union failed to disclose to me my right of rescission and provide me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights has been violated and Alliant Credit Union is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k
Consumer complaint received 2021-09-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2020-10-24
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. (PA)

This account with XXXX XXXX was disputed with Exquifax and collection agency it reported on XX/XX/20 as a closed account wih XXXX XXXX in which it was supposed to be deleted credit bureaus are supposed to report 100 percent accurate in which it is not because experian is still reporting as a collection as well as equifax, also this account has been deleted before and keeps appearing back on my credit report which is a violation of the law
Consumer complaint received 2018-07-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Friday around noon I called to make a payment on my mortgage of {$1000.00} as I can not do any payments yet online they report and cant do them in the branch as they have not sent me some special coupon nor closing day copy of the mortgage from the XXXX of LAST month. 

The {$1000.00} came out of checking and not into the balance that interest is collecting on. Nor on the balance that is due by end of the month that is now being told to pay up. 

Where is the {$1000.00} that was in my Huntington checking to my Huntington mortgage!?!?!?!
Consumer complaint received 2023-03-24
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Balance : {$12000.00}.
Consumer complaint received 2022-03-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: OneMain Finance Corporation (CO)

A man named XXXX XXXX ( something, the phone kept cutting out ) from XXXX and associates called from XXXX and insisted I had a debt that he was going to sent to court and have criminal charges brought up on me. He told me my name SSN DOB and address from 6 years ago. I didn't confirm anything but my name. When I pressed him he said the debe was from One Main Financial and that I had made arrangements to pay and had made XXXX payment of {$170.00} in XXXX of 2016. I denied knowing about the debt and demanded proof of such debt. He said good luck in court. I then found the number for One Main financial and called them I spoke with XXXX XXXX who verified I do not have any debts present or previous with them. XXXX then suggested contacting credit bureaus and law enforcement.
Consumer complaint received 2022-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (MD)

On Wednesday XX/XX/2022 at approximately XXXX, I was given a wrong phone number to transfer funds through XXXX XXXXXXXX XXXX  through my Bank debit card account. The person received the money and refused to refund it. The wrong I send the money is XXXX. The denied my request and block my phone. My bank said, they can't doing anything to help me, even though I used the debit card and account to complete the transaction. XXXX XXXXXXXX XXXX company is defrauding millions of hard working Americans with help of the Banking institutions. I reported it to the banking fraud department, but to no avail.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX there was an unauthorized withdrawl from my account in the amount of XXXX. I asked about this and B of A said that it was taken from an ATM in XXXX county where I have never been. I had my card at all times. They denied me and required a write a new letter in order to reopen the investigation. I wrote the new letter and faxed it twice. They have verified receipt, but nothing has been remedied. 

Then on XX/XX/2020, i went to the local ATM and tried to withdraw XXXX. The process went through but no money was released. I called the number on the ATM and they aknowledged that the ATM was out of order and to contact my bank. I contacted B of A and they said they would fix it but still nothing has been done. 

Now I am out XXXX Please help.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/XXXXthe company I work for - their payroll service ( XX/XX/XXXX) was hacked into and I was told to check my accounts including my credit accounts and activity. I checked XX/XX/XXXX and saw an unfamiliar inquiry on my account - XXXX  a store that I do not shop at. I am on the phone now with Capital one who services this stores credit card.
Consumer complaint received 2020-12-08
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: CORELOGIC INC (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, CREDCO add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-08-12
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. (NJ)

As per FCRA Section 611 ( a ), it is clearly stated that failure to investigate these items within XXXX days gives reason FOR IMMEDIATE DELETION. I have sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. To this day, over XXXX days later, I have not received a response. FEDERAL LAW requires you to respond within XXXX days, It has now been over that period since your receipt of my letter.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts/information below XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00}
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-04-06
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: ERC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-07-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I was paying Navient mounthly. all of a sudden they no longer contract me for payment ; that was 2 years ago. Then XX/XX/2018 I recieved a bill from XXXX XXXX XXXX XXXX. Which is a collection agency. I had prior notification that the loan was bring sent to XXXX. When I called Nevient, they new nothing about XXXX. they gave me a phone number that was for account information. when i call them they informed me that the account was sent there. I ask them why i never recieved a notice.and why I wasn't informed about the account bring sent to collection and why it took tab
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (MI)

TCF Bank has charged me fraudulent NSF fees on my account. They claim that these fees were warranted because the account had insufficient funds. This is not true. The following transpired. 

On XX/XX/2021 there was a POSITIVE balance of : {$520.00} I then used my TCF Debit card ( 3 ) times that day for the following : {$29.00} Bal = {$490.00} {$12.00} Bal = {$480.00} {$8.00} Bal = {$470.00} Then, THE SAME DAY, XX/XX/2021 TCF claimed that there were not enough funds in the account and charged me ( 3 ) {$37.00} NSF Fees. Which resulted in a positive balance of {$360.00} I called TCF customer service, and they were no help. They did refund me {$56.00} of the NSF fees. However, NONE of those fees should have been charged. I then complained to the XXXX, and TCF claims that the fees are accurate. The fees ARE NOT accurate, because there were in fact funds in the account to cover those ( 3 ) transactions. TCF just settled with the government for their illegal fee charging. But it seems that they have not stopped doing it. 

I have attached documents which clearly show that there was enough money in the account at the time to cover these debits. Even if there was a " pending '' transaction, that transaction would not have posted, and therefore no NSF fee should have been incurred.
Consumer complaint received 2020-10-24
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. (IN)

I called XXXX and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score
Consumer complaint received 2019-08-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (CA)

XXXX XXXX of XXXX XXXX XXXXtold Capital Accounts on XX/XX/2019they were authorized to report a DISPUTED DEBT claim to collection agencies BEFORE the LAPSE of 30 DAYS FROM DATE OF MY RECEIPT XX/XX/2019  (as communicated in writing by Capital Accounts). XXXX XXXX is a healthcare provider and the owner of XXXX XXXX XXXX - She should know better than to intentionally file false claims regarding medical services.Capital Accounts / XXXX XXXX / XXXX XXXX XXXXshould further be held accountable for taking action in contrast with their own written correspondence which state the recipient of any debt should: (1) REPORT DISPUTED CLAIMS to them (which I did along with providing documentation), and (2) Respond in writing within 30 DAYS FROM DATE OF RECIPIENT RECEIPT (which I did - outlining the incorrect billing, billing errors, charges for services incomplete/not performed and in breach of contract terms).
Consumer complaint received 2018-07-19
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. (NV)

XXXXXXXX XXXX XXXX placed a item on my credit report with a balance of XXXX this account was incorrectly reported. The account has been paid .And has a XXXX balance but it should have been placed on my daughter 's credit report not mine. I never used XXXX XXXX XXXX XXXXXXXX this account was opened in Alabama. My daughter apparently put me on her account if I need towing service. But this account was not opened in my name. My daughter advised me she paid it. But the company placed on my credit file instead of my daughter. I have resided in Nevada since 2012 see attached.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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

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