davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 U.S.C 1 681 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
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (NY)

On XX/XX/2021 I opened an account with Direct Express Bank ( located in XXXX XXXX ) by depositing two checks in a total amount of approximately {$2.00}, XXXX. I called the bank 's customer service number ( XXXX ) XXXX and spoke with XXXX, a customer service representative. XXXX stated that my balance is {$0.00} and that my account would not be credited until XXXX. I don't understand why I can't access my money.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

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 2021-09-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation (CA)

I certify mailed debt collector One Main Financial a cease and desist letter last week, XX/XX/21. They received the letter Monday XX/XX/21. I have continually received calls from them after Ive asked for validation of debt. Pursuant to 15 USC 1692d a debt collector may not harass, oppress or abuse any person in connection with the collection of a debt. I feel COMPLETELY HARASSED at this point, giving that according to 15 USC 1692c ( c ) I notified the debt collector in writing by mail that I, the consumer, wishes the debt collector ceases further communication with me.
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (LA)

On XX/XX/2020, I received notice from my homeowner 's insurance agent that my homeowner 's policy had not yet been paid and would lapse if not paid in full ahead of the expiration date, XX/XX/XXXX. She also informed me that, were the policy to lapse, I would be unable to obtain the same rate or coverage under a new policy. 

I called my mortgage servicer, Dovenmuehle, that same day to inquire about the issue. A customer service representative said that Dovenmuehle had sent a check to the insurance company already. She said that Dovenmuehle would not send another check until it tracked down the first check to see whether it had been cashed. She said that process, checking on the check, would take five business days. I informed her that the policy would lapse before then and asked her to contact the insurance company to work out the issue. She refused, saying that Dovenmuehle satisfied its only obligation by sending the check and would not do anything more until the results of the inquiry on that check.

Because waiting on Dovenmuehle would have meant the expiration of my insurance policy, I paid the premium myself on XX/XX/XXXX. 

On XX/XX/XXXX, I learned from my insurance agent that Dovenmuehle had sent a bulk check, that is, a check containing premium payments for more than one policy, and that the insurance company did not accept bulk payments. I contacted Dovenmuehle to inquire about obtaining a refund from my escrow account and ensuring that such issues do not take place again. The customer service agent and supervisor informed me that the results of the inquiry on the first check arrived XX/XX/XXXX ( two days after the policy would have expired ). They said that Dovenmuehle should not have done anything different in the situation, that it satisfied its obligation by sending the first check and that it could not have acted further until the results of the check inquiry came back. I reiterated that the policy would have expired had I not intervened. They had no answer for how the company would ensure that this does not happen again.
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC (AZ)

I contacted the company to verify the debt that was being reported on my credit report.  It was a supposed debt for my minor daughter. When I asked the collection company to verify the debt for me. I asked for them to verify this with very specific information that would not violate HIPAA. However, the information they provided violated my HIPAA rights by sending confidential medical treatment information for my daughter. I asked them to remove the reporting in a letter since they violated my HIPAA rights.  I did not get a response to my letter.  I sent a letter to the original creditor and the collection company and still never received an error.
Consumer complaint received 2020-10-26
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. (OH)

XXXX is reporting Status " paid as agreed '' on XXXX  and Status date is XX/XX/XXXX ; XXXX Status Current, " was past due 150 days '' and Status Date XX/XX/XXXX ; TransUnion Status is " Paid or paying as agreed '' Status Date XX/XX/XXXX XXXX is reporting payments are late and current in XXXX when the last status updates was in XX/XX/XXXX and the ACCOUNT HAS BEEN CLOSED SINCE THEN. 

This information is inaccurate, so please Delete this account. 

XXXX  XXXX I have dispute this account before with no results and this information has not been verified and inaccurate, please see attachment from credit report.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (AZ)

I have disputed an adverse action that was taken against me based on information in my credit report in the past and you still continue to report it why?

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 603, Subsection ( k ) ( 1 ) ( b ) ( i ), which requires credit reporting agencies to provide notice to consumers when an adverse action is taken based on information in their credit report. 
I am requesting that you investigate and correct the inaccuracies in my credit report. 
The specific items I am disputing are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I asked for two card replacements because on the first one I never received my card on XXXX XXXX  th so I called about it on the XXXX XXXX of XXXX  and told them that I also was receiving emails saying that my XXXX  card was being used so I told them that my money was being used with my permission and they told me that I would receive a provisional credit 10 days from that date for XXXX XXXX XXXX XXXX, but I have not had that issued yet ! I get hung up on every time I call about it
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches such as XXXX and XXXX which are currently being sued for reporting fraud and inaccurate information class action lawsuit. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them. I also request that an immediate block be placed on all these fraudulent accounts and blocked from any future reporting i have provided my FTC affidavit for your review. 2. 1. Validation of the debt-that is the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you can't provide these items Delete them. The law states all items must be reported accurately and truthful 15. u.s. code 1692j 1681s 2b cra must block the information within four days and notify the furnished of the report of the fraudulent data. Below are the items that need to be blocked from current and future reporting and deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK, AND ALL INQUIRES LISTED IN THE FTC FRAUD AFFIDAVIT BELOW ATTATCHED FOR YOUR REVIEW.
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00} or XXXX XXXXL XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2024 I've contacted, by phone, Experian, XXXX and XXXX to update my new address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and remove a NON-MAILABLE address of XXXX XXXX  XXXX XXXX, XXXX, FL XXXX. Experian verbally said they will not apply the changes.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/2020 - XX/XX/2020 {$0.00} The companies XXXX, Experian, and XXXX  have been reporting illegally and malicious complaints.
Consumer complaint received 2018-07-22
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: LEXISNEXIS (KY)

On or about XX/XX/2018, LexisNexis Consumer Center improperly allowed XXXX XXXX XXXX to have access to my personal consumer report/information without my authorization to do so. LexisNexis Consumer Center knew or should have known that XXXX XXXX XXXX did not receive permission or authorization directly from me to access my personal consumer report and/or driving history. XXXX XXXX XXXX had access to my social security number from an old policy many years ago. I did not give LexisNexis Consumer Center or XXXX XXXX XXXX permission to access my personal information without my authorization. This is clearly a violation of my consumer rights. LexisNexis Consumer Center also  improperly accessed my personal consumer report without my permission or authorization to do so. This is also a violation of my consumer rights.
Consumer complaint received 2023-01-12
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. (MD)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( XXXX ). ( A ). 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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. (MD)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IL)

Good Afternoon, I fell behind on my mortgage payments last year XXXX XXXX. I did not waste any time so, I gathered all the documents necessary and submitted a Uniform Borrowers Assistance Form with my mortgage servicer, Freedom Mortgage in XXXX of XXXX. I was denied in XXXX of XXXX due to exceeding the Debt To Income Ratio by 54 %. when I was supposed to have reached a 40 %. 
I obtained a part time job to be able to afford any modification payment Freedom could offer and I re-applied in XXXX XXXX. On XXXX XXXX, XXXX, I called Freedom Mortgage and spoke with XXXX ID # : XXXX, and she informed me that I was denied on XXXX XXXX, XXXX, again, due to exceeding the Debt to Income Ratio again. I asked her to give me a break down of the income and expenses used. I also asked her how much did I exceed this time, she responded " 40.72 % ''. 
It does not make sense on how I was denied by exceeding by less than 1 %. I asked her to please email me the denial letter because I needed that in writing. I received the denial letter the following day. I typed an appeal letter gathered pictures of my home and mailed out through certified mail. On XXXX XXXX, XXXX I received a letter stating that they denied my appeal. 
I do not even think they read my appeal or bothered to investigate! I will attach all the proof with this letter.
Consumer complaint received 2017-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MA)

Fay servicing is the new servicer. These actions have been ongoing for 10 years, since inception in XXXX. I have pled with my governmental agencies to investigate this since. 
My mother, and my mothers late husband were victims of predatory loan practices in Massachusetts. No one has done much of anything. I know have irrefutable proof of my allegations of fraud, forgery, federal and state mortgage laws, wire fraud, the list is endless. Fay servicing is now sending me 90 day right to cure, and a letter stating on whos behalf they are trying to close, in where they have no standing. ( the note was sold once again, on XXXX/XXXX/XXXX ) to XXXX XXXX XXXX, XXXX XXXX XXXX. Fay did not list them as the lender they represent. This sham needs to come to an end, as I have invested countless hours investigating this, and it is riddled with corruption, crime, and immorality of preying on the weak and disabled of this country, and I am imploring to you, help me stop this
Consumer complaint received 2021-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (NY)

I was planning on closing my PNC bank account as I had no need for it anymore. I held the amount needed to maintain the account without fees. I transferred the fees from the account with the intention of secure messaging them once the transfer processed. The transfer took extra time to appear in the account I chose ( likely due to the XXXX  holiday weekend ), but I was assessed a monthly fee ( around 25 dollars ) on my PNC account within 7 days of removing the funds from my account. I reached out to them via secure message asking to close my account, and informing them of the situation. They refused to refund the fee multiple times, and I am now being forced to call them and likely go through the same responses to a customer service representative. I can not close the account until I resolve this fee. Had there been any direction on their website regarding how to close the account ( there is not ), I would have followed it.