davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
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. (CA)

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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2020-11-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Between XX/XX/20 and XX/XX/20, Huntington Bank charged my account a total of {$720.00} in Insufficient funds fees. When I called the only customer service number offered, I explained my financial hardship because of the fees, I'm a single mother with only 1 income, and the fees are causing further financial harm ( {$720.00} is half of a months rent, or a car and electric bill payment! ), they apologized, said they can only refund {$150.00} of the fees and sent me on my way. I have yet to find another way to dispute the fees with Huntington directly. I asked for the fees to be refunded so that I can pull myself out of the financial hardship I am experiencing due to Covid 19 setbacks, and the bank declined. The fees are exorbitant and causing myself and my children to suffer unnecessarily.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (AE)

Credit karma told me I was pre-approved for multiple cards over the past few years. I applied and was denied XXXX XXXX XXXX XXXX  My credit went down each time and I'm just now finding out this is fraud.
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Schreiber Law LLC (MA)

XX/XX/2021 I settled a debt owed to Schreiber Law Firm, who was claiming to represent XXXX XXXX. I have the confirmation documentation of the payments receipt. 

Upon negotiating and receipt of payment it was understood that Schreiber Law Firm, would inform their client, XXXX, of the payment received and under XXXX XXXX  standard " pay for deletion agreement '' the account would be removed from my credit within 30 days. This agreement was negotiated with XXXX XXXX of Schreiber Law. 

On XX/XX/XXXX the account remained. I contact XXXX XXXX of Schreiber Law who informed me that the fault is on XXXX. She told me to call XXXX. I called XXXX who claimed they had no information on the account and no record of payment and told me to call Schreiber. 

I have called and emailed each company over 6 times in the past 50 days. Each company is claiming they can not speak to me about the account and that I need to call the other company. XXXX XXXX has stated that she will " Reach out to management '' however has not provided any follow up correspondence. 

As it stands now : - It appears that XXXX XXXX simply pocketed my payment and is refusing to tell their client XXXX. 
XXXX as a result is refusing to mark the account as paid and remove from the credit bureaus. 

These actions are preventing me from obtaining a home.
Consumer complaint received 2018-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NC)

I have contacted this company and requested they provide some type application or security agreement that I completed to show how this account was initiated. And they will not provide it. They keep saying that the company confirmed a name and address ; and provided a bill that does not have my address on it.
Consumer complaint received 2020-10-28
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX , XXXX . 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (GA)

We refinanced our home with Quicken Loans/Rocket Mortgage. Quicken Loans/Rocket Mortgage had the payoff amount for our original home loan to XXXX XXXX XXXX XXXX  ( we provided them with the payoff amount that was good until XX/XX/20. We had our closing on XX/XX/20 and Quicken/Rocket was supposed to send the payoff amount on XX/XX/20. Apparently, XXXX XXXX XXXX XXXX  rejected their payoff amount and it was returned on XX/XX/20 and no one from Quicken/Rocket notified us nor did they contact XXXX XXXX XXXX XXXX to find out what was the reason. We received a call from XXXX XXXX XXXX XXXX  on XX/XX/20 asking us if anything was wrong and letting us know that we were past due on our mortgage payment with them and that if we do not make a payment by XX/XX/20 our credit score will be impacted. When we contacted Quicken/Rocket about this on XX/XX/20 they acknowledged the payment was returned and are still trying to figure out why and how to resolve this. They claim there was discrepancy with the amount they sent but given they had the payoff amount no one is able to provide us with the details on what has occurred. We have informed Quicken/Rocket that if this is not resolved today ( XX/XX/20 ) then we will be making the payment to XXXX XXXX XXXX to ensure our credit score is not impacted and they will need to reimburse us for this since we have already made our 1st mortgage payment to Quicken/Rocket on XX/XX/20.
Consumer complaint received 2019-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: First Associates Loan Servicing LLC (CA)

I have XXXX loans with Student Credit Union Connect. I made a payment on XX/XX/XXXX for {$310.00} to my larger loan however the payment was applied towards the smaller loan instead. My loan since has been reported late and affecting my credit. Ive reached out to them multiple times to fix it however it has not been fixed. This is the second time Ive had to filed a complaint due to the miss habdeling of my account. Another payment was made on XX/XX/XXXX for {$480.00} Im hoping it was applied correctly however I didnt received a confirmation email as promised m.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centron Services (OH)

On XX/XX/2021 I reviewed my credit report with XXXX, XXXX and XXXX. I had noticed a collection item was placed on there for Centron Services Inc in the amount of {$2200.00}. Account number displayed was XXXX. I called the collections agency which was named Centron Services Inc with a phone number XXXX. I spoke to a male collector. I advised the rep who answered there are multiple violations regarding the FCRA. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you Centron Services Inc has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Also Centron Services Inc did not send me a letter in writing to give me any notice of such debt. They are legally to send me a letter in writing allowing me 30 days to dispute the validity of a debt in which they did not. They put it on my credit report with no notice. I requested proof bearing any documents with my signature on it with Centron Services Inc company documents or any letterhead. They have been unable to provide proof of my signature on any of thier company documents. 

Also, the creditor they claim i owe funds to is being sued in a Class Action Lawsuit, please see Christine Skinner, et al. v. Glacier Bank. Centron Services Inc is unable to validate any true amount owed.
Consumer complaint received 2017-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

I recieved a letter in mid XX/XX/XXXX ( Dated XX/XX/XXXX ) from a debt collection comapny named I.C. System Inc ( XXXX. XXXX XXXX, XXXX XXXX, MN XXXX ) stating that I owed {$100.00} to from a debt owed to XXXX. I have never had XXXX service for anything ( phone, internet, tv ). I had when I was originally buying my new home in Maryland ( I signed the paperwork in XX/XX/XXXX, however I did not move into it until XX/XX/XXXXas I was on military orders in FL until XX/XX/XXXX ) looked into getting XXXX service, and provided XXXX some basic information in order to get pricing infomration for my area. I however went with XXXX XXXX service rather than XXXX and never had XXXX service hooked up. At one point several months after having moved into my new home ( possibly XX/XX/XXXX timeframe ) recieved a bill from XXXX. I called XXXX and was able to talk to a customer service representative who confirmed that I never utilized the service and removed my account from their system. I believed at the time that this had resolved the issue, until I recieved the letter from I.C.  System. I immediately called I.C. System to attempt to resolve the issue. Their customer service represntative told me that the collection account would be placed in a disputed status and that I would have to send in proof to show that I did not have any XXXX services at my home. I did this ( original documents sent to I.C. Systems are included as an atttachment to this complaint - updated to show that I have continued to utilize the same services ) and did not hear anything back from either XXXX, nor I.C. Systems so I considered the issue resolved once again. That was until I saw my credit score drop drastically last month and was very concerned about this especially due to the recent XXXX leaks, as well as the fact that I am in the XXXX and XXXX had my information at the time they expeirenced a massive data breach as well. I keep a tight eye on my finances and do not like to have deragotry marks on my record especially when I have attempted twice now to resolve this issue. The proof I provided is substantial as it coverd the entire timeframe that I had been in this new home ( I moved into the home in XX/XX/XXXX ). Prior to that I was on XXXX XXXX XXXX to XXXX FL at XXXX XXXX. I would like to resolve this issue as quickly as possible as I was planning on buying a new car near the end of the year for my wife and the massive hit to my credit report for a debt that I am in no way responsible for is not something that I would like to have on my record. Please let me know if there is anything you need from me in order to expedite this result.
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC (GA)

Mr. XXXX XXXX NMLS : XXXX ) contacted me via phone and after I declined his services ( I already have the quotes I need ) he proceeded to tell me about his mortgage company and asserted that no one could beat their offers. I humored him and told him he could send over an information request packet so I could look at their rates - when the email came in, he accused me of " playing house money '' ( whatever that means in the context of a loan origination ) to which I responded and asked him to discontinue contact with me since he was very rude. Today, he sent me another email, contrary to my specific and formal request to stop contact.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Continental Finance Company, LLC (NY)

Im a victim of identity fraud. On XX/XX/2020 someone fraudulently used my personal information and tried to attain a credit account with Continental finance ( XXXX XXXX XXXX XXXX ). I received notifications from several different credit monitoring companies ( XXXX XXXX, XXXX XXXX  and XXXX ) that theres a new credit inquiry on my account. I did not authorize or tried to open that account. I called Continental finance ( XXXX XXXX XXXX XXXX ) right away and notified them that I did not authorize that and that they investigate and close that account. I was told that within 30 days I will receive letter from them with the conclusion of their investigation. I called and mailed a letter to all of the credit bureaus ( XXXX, XXXX  and XXXX ) explains that hard inquiry was fraudulent but I was told that I have contact the creditor because the credit bureaus cant do anything. 

I waited over two months and never received anything from Continental finance ( XXXX XXXX XXXX XXXX ). I called back on XX/XX/2020 asked what happen to the investigation as the hard inquiry still shows up on my credit report. I was told that they dont have any information and to call back in few weeks. I called back a month later and was transferred to 5 different agents but they couldnt give me a response to whats going on with the investigation. I waited another month and called again on XXXX then finally a fraud department agent stated that they're still investigating and may take another month. It's been over 4 months now and XXXX  or myself didn't hear or receive anything.

This fraudulent hard inquiry is hurting my credit score. Please help me remove this fraudulent hard inquiry on my credit report. Thank you
Consumer complaint received 2020-10-28
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. (FL)

XXXX  and Experian should not be reporting a collection/chargeoff in addition to being ( 120 ) days late on the CHILD SUPPORT ENFORCEM partial account number XXXX. ( Please see pages attached from my credit report. ) This account is not in chargeoff status nor is it ( 120 ) days late. XXXX  is reporting correctly. I have attached a copy of the Investigation Results from the Florida Dept of Revenue for reference. Please update the information on XXXX  and Experian. It is a violation of the Fair Credit Reporting Act to not report correct information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Effective XXXX XXXX, XXXX, a consumers credit report may look a little different than in the past. It is to my inderatanding that my credit report will require any public record, such as a lawsuit, judgment or real property lien submitted for reporting on a consumers credit report, to include the consumers name, address and either their Social Security number or date of birth. If any of this information is missing on a reported public record, it will no longer be reported on a consumers credit report. Please investigate this matter. I have XXXX bankruptcies on my report and XXXX lien.
Consumer complaint received 2021-03-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

Im am currently recovering from an unexpected financial hardships and I cant afford the payments on this payday loan. I am also working with a credit repair company to improve my credit report, including terminating this payday loan with SpeedyCash in the amount of {$2100.00} due to the aforementioned and furthermore the age of this account, being opened on XX/XX/2018. In addition this account shows to meet the FCRA requirements.
Consumer complaint received 2019-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (DE)

Compalint : : PHH Mortgage Services XXXX XXXX XXXX XXXX. Nj XXXX XX/XX/XXXX My name is XXXX, and I have a property in the city of XXXX, Delaware. I have lived here since XXXX with my family. 
Phh Mortgage Services took over my mortgage in XX/XX/XXXX. 
My complaint and frustration, is on a payment that I posted on with there bill pay on XX/XX/XXXX, the amount of {$1600.00}. PHH Mortgage, claimed that they never received it. I have documentation from my XXXX XXXX checking account, supporting that PHH did retrieve the amount of {$1600.00} on XX/XX/XXXX. 
I have faxed to them my request to investigate this very matter. Plus many phone calls. I, am putting this letter together at this moment why ell, I`m waiting on hold to speak to a agent in the US, I was put on hold by a agent in the XXXX, for 25 minutes at this time.A supervisor in the research department a XXXX. XXXX XX/XX/XXXX. 
This is the second time and I`m so very tired of thees company tacking advantages of us that are put in this situation, of having to deal with the subprime company 's. 

Thank you, XXXX XXXX Delaware
Consumer complaint received 2022-08-13
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Nc XXXX XXXX XXXX XXXX Companies Names XXXX Transunion XXXX Amount of debt : XXXX Date of Service : XX/XX/2019 Provider of Service : XXXX XXXX XXXX Dear collection agent, I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-12-09
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. (FL)

Dear Sir or Madam ; The Information Listed Below, which appear on my Credit report does not Relate any transactions that I have made. 
This is the Result of identity Theft. Please Block and remove these Fraud Accounts off My credit. 
Pursuant to section 605B of the Fair credit reporting Act, and send the required Notifications to all Furnishers of all Information.

thank you for your time
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I reached out to the company to get a verification of debts for an account of XXXX XXXX and for XXXX XXXX XXXX on my account in XXXX of 2023. 

I have yet to still see any response this Credit report agency has failed to follow dispute procedures, also has failed to conduct an initial internal investigation within 30 days, the third violation was they did not inform me of the results within 5 days. 
Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting. 


Pursuant to 15 usc 1681 ( a ) ( 2 ) g Your company 's mistake has caused me serious harm. Serious harm means any harm, whether physical or non physical, including psychological, financial, or reputational harm. My reputation has been negatively impacted. 
Since your company ASSUMED this role, it depends upon an honest evaluation. You have not received expressed permission from me, the consumer, to report these inaccuracies. And since you assumed this information was valid. This is a direct violation of my consumer rights. 

When you furnished this inaccurate information without doing a thorough and fair investigation you violated my rights. As a result of you not validating this information before Reporting To my consumer report, you have breached my rights to privacy.