davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NAVY FEDERAL CREDIT UNION (PA)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person and original creditor contacted NAVY FEDERAL CREDIT UNION in writing on XX/XX/2021 requesting that said company validate this alleged debt and also sent them a cease and desist letter asking that they stop contacting me. NAVY FEDERAL CREDIT UNION received all documents on XX/XX/2021. NAVY FEDERAL CREDIT has yet to respond and has continued to send statements after documents were received. NAVY FEDERAL CREDIT UNION has failed to report this alleged debt as disputed pursuant to 15 USC 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
NAVY FEDERAL CREDIT UNION was given 30 days to validate this alleged debt and has failed to do so. 
I have been harmed by NAVY FEDERAL CREDIT UNION and also my credit report and file has been damaged due to NAVY FEDERAL CREDIT UNION housing unvalidated and unverified information and therefore they are civilly liable to pay me for the damages.
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (GA)

I have a Caliber Home Loan account where I make monthly payments for my mortgage. At one point, like many other hard working Americans, I had fallen on financial hardships and was late on a few payments. 

I was late XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was never over 90 days. I tried my best to catch up earlier. 

I also had a second mortgage with XXXX, on the same mortgage, where I make my monthly mortgage payments. At the same time, due to financial hardships, I was late on those payments. 

I was late XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NJ)

I received a mail from TD Bank of an account that was open that I have no knowledge about, I contacted them right away and was told that someone open this account in my name, they told me that they will take further action to prevent anything fraudulent on there end, and I will be getting emails from them in regard to this.
Consumer complaint received 2020-09-11
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. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-27
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. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-05-01
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: JPMORGAN CHASE & CO. (LA)

I, XXXX XXXX, a federally protected consumer, am filing this complaint against JPMCB Card Services and there is no third party involved. I have sent out a letter as well to JPMCB Card Services mailed certified XX/XX/XXXX. JPMCB Card Services is in violation in regards to the information that is being furnished on my consumer report. I, the consumer, never gave JPMCB Card Services any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiries from JPMCB Card Services are fraudulent. I did not initiate, authorize, benefit from, nor consent to the listed inquiries and I DEMAND they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. 1. JPMCB Card Services : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These fraudulent items on my consumer report are preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If JPMCB Card Services can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be removed from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I WILL HOLD JPMCB Card Services CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO JPMCB Card Services.
Consumer complaint received 2022-05-01
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act US DEPT OF ED/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 an account without my written instructions
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

in accordance with the fair credit reporting act the names and addresses that i have described below violates my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 Section 602 XXXX right to privacy.,, these following names or alias and addresses are not known or old or no longer have any association with myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc (LA)

Transfinacial is reporting on my credit report for a medical bill in the amount of XXXX. Ive asked them to validate the debt and send me a contract with my signature and any procedures Ive had with them. Ive never been to transfinacial or had any dealings with them. Since they cant validate the debt with my signature or nothing else I want it removed from my credit report
Consumer complaint received 2021-07-05
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XX/XX/XXXX 2.US Small Business admin oda XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX I checked my personal credit report, and I noticed an unauthorized inquiry had been made. I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business
Consumer complaint received 2023-03-20
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. (CA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 This Complaint will serve as a follow-up to my previous complaint
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I paid off all balances on my credit cards first week of XXXX. Now it's XX/XX/XXXX and some of the balances are still showing on my reports. I've contacted both the Credit reporting agencies, submitted disputes and still nothing.
Consumer complaint received 2019-10-29
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: Certegy Holdings, LLC (NJ)

I have been cleaning all my consumer reports because I found out that there were accounts that were opened in my name that I did not authorize. While going over one report I was sent another report that had listed several checks that were written without my authorization. I am have been a victim of ID Fraud and this is an ongoing seems to be never ending saga in my life. There are several checks on this account that I want to dispute as fraud and removed as these are wrong and don't belong to. Once this is cleared up please send me an updated report with those items removed. Thank you
Consumer complaint received 2021-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (CA)

XXXX XXXX sent my account to collections for {$300.00} {$200.00} of that was a equipment, which I returned 2 months prior and have emails. They sent me my last bill which was prorated and included a credit of XXXX due XX/XX/XXXX. After being a customer for 2 years and a excellent XXXX Fico score no collections and XXXX of lines of credit they sent my account to collections. They didnt give me time to pay and I never received anything from the collections agency. The amount was incorrect because we sent the equipment directly to the XXXX store so the amount was incorrect. Now I have to fight to reverse the collections on my account. Unfair practice knowing we are in a pandemic and my credit is excellent I am suppose to be getting my statements online and didnt get the last bill as well terrible service.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Regional Recovery Services (IN)

These people are continuing to report inaccurate accounts on my credit! They have added XXXX accounts with different amounts. ALL OF THESE BILLS ARE PART OF SERVICES RENDERED THAT ARE NOW PART OF A MALPRACTICE LAWSUIT. XXXX XX/XX/2020 - CURRENT. They added an account to my credit for {$9.00}. XXXX DOLLARS! 

AGAIN, MY LAWYER HAS SENT THEM LETTERS REPEATEDLY AFTER VERIFYING ALL OF THE ACCOUNTS THEY HAVE WITH THEM ARE PART OF A MALPRACTICE LAWSUIT. ANY DATES OF SERVICE BETWEEN XX/XX/2020 AND NOW ARE TO BE HELD, PER THE CRYSTAL CLEAR LETTER XXXX AND THEIR ILLITERATE CLIENTS FAIL TO READ. 

Any medical collections from Regional Recovery, XXXX XXXX, XXXX XXXX, or other medical related collections are being placed on my report out of spite due to pending litigation. 

Dates of service are XX/XX/2020 to CURRENT. These entities have chosen to ignore repeated requests from counsel to pause collection efforts until case resolution. They are also changing account numbers and balances by 1 number to report the same debt more than once on my reports. Regional Recovery Services has a poor XXXX  rating and are under investigation for consumer fraud. 

I have been successful in getting these accounts removed from my XXXX report but XXXX will just keep changing account numbers and amounts to add them back like they have been doing.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Moiharwin Diverisfied Corporation (TX)

Vegas Valley Collection Service ( VVCS ) alleges I owe {$1000.00} to the originator XXXX XXXX for a medical debt. 
I requested evidence and substantiation of this debt in a timely manner, but XXXX already made a negative collection report to one or more credit reporting agencies as early as XX/XX/2021, but did not provide me any documentation until XX/XX/2021. They ignored my requests to validate the debt and dispute of it in accordance with the FDCPA sections 807, 808, and 809. As of XX/XX/2021 VVCS continues to report the debt is valid, effectively ruining my credit score, cost of credit, and increased material costs because I have to abandon my projects until this dispute is resolved.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Complaint Regarding Experian Credit Bureau 's Blocking of Access to Credit Report and Failure to Address Disputes To Whom It May Concern, I am writing to file a formal complaint against Experian Credit Bureau regarding their obstruction of my access to my credit report and their failure to adhere to regulatory compliance standards. 

On XX/XX/year>, I contacted Experian Credit Bureau due to their blockage of third-party access to my credit report without my explicit consent. I have been actively disputing inaccuracies present on my credit report, yet Experian has consistently failed to meet compliance requirements in handling these disputes. Upon attempting to refresh my credit report through a third-party source, I encountered a notification stating that my credit score and related information could not be calculated. Subsequently, when I reached out to an Experian representative for clarification, I was informed that this issue arose due to a sudden lack of an address associated with my accounta problem I have never encountered before. 

Despite this, five days have elapsed, and I am still unable to access my Experian report, despite being a paying customer through a third-party service. The explanation provided by the representative, citing the absence of an address or name on my credit file, appears illogical and inconsistent with my previous experiences. 

I strongly suspect that Experian deliberately enacted this block to impede my access to my credit report, thereby hindering my ability to pursue necessary disputes and correspondence. It is evident that if I am unaware of the contents of my credit report, I am unable to effectively identify and dispute inaccuracies. In my most recent dispute, I specifically requested clarification on the method of verification for mishandled accounts, yet it seems Experian has intentionally blocked my account from accessing this crucial information. Despite assurances from the Experian representative that this matter would be resolved within 24 to 72 hours after I verified my name and address, six days have now passed without any resolution in sight. 

Such conduct is utterly unacceptable and reflects a blatant disregard for consumer rights and regulatory obligations. I demand immediate action to rectify this situation and restore my access to my credit report without further delay. Additionally, I request a thorough investigation into Experian 's practices regarding the handling of consumer disputes and the blocking of access to credit reports. 

I trust that the Consumer Financial Protection Bureau will investigate this matter promptly and take appropriate measures to ensure compliance and accountability within Experian Credit Bureau 's operations. 

Sincerely,
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (WV)

I filed Chapter XXXX bankruptcy and is now showing closed with a missed payment. Called the mortgage company because the mortgage was never on the bankruptcy. 

They said they are showing on their end all payments on time and mortgage/ account still open. Filed a complaint through the XXXX   XXXX XXXX  and they reported back that the organization they get their reporting through is correct. 

Want to fix this disconnect so I can get my credit reporting correctly and fair
Consumer complaint received 2021-03-29
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: Experian Information Solutions Inc. (NC)

I Sent Certified Letters To Experian XXXX XXXX  To Validate Debts Reporting To My Credit Report On XX/XX/2021 On XX/XX/2021 XXXX Credit Bureau Received My Request And Failed To Respond With In The Normal 30 Day Time Frame And With In The 45 Day Time Frame With COVID XXXX Experian Did Not Open Up A Investigation Until XX/XX/2021 Which Is Well After The 45 Business Day Time Frame. Even After Opening The Dispute Experian Closed The Dispute With In Two Days Which Give Me The Impression It Was In Fact Not Fully Verified
Consumer complaint received 2021-07-05
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. (FL)

I am a federally protected consumer under titl

e 15 c hapter 41 ; NEVER GAVE any credit reporting agency written consent to report anything on my consumer report 15 U.S Code 1681b ( a ) ( 2 ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k. In light of these violations of my consumer I've sent certified mails to all three credit bureaus with track ing numbers to attest the validity of my claims. 

XXXX ( Tracking # XXXX ) The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

XXXX ( Tracking # XXXX ) The item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

Transunion ( Tracking # XXXX ) The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX 

In my attached files are copies of the law.
Consumer complaint received 2023-03-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingPoint Holdings LLC (AL)

On XX/XX/2023 I requested a payoff amount and submitted the amount provided electronically the same day ( within minutes ) to pay the loan off in full. Several hours later, the payoff amount/payment was posted to my account, and the payoff was short by {$4.00}. I called and requested a reason as to why the payoff was not provided correctly. I was informed there was some kind of system error that did not calculate the accrued interest for the XXXX, even though I had requested the payoff on the same day. I was informed due to the error, they would have the balance waived, and the process would take 5-7 days. After 10 days, and interest still continuing to accrue on the remaining balance, I called again on XX/XX/2023 to inquire as to why the remaining balance had not been taken care of as stated it would on the XXXX. I was informed the balance was only {$4.00} and I could pay the remaining balance off over the phone. I had to go back through what happened again. I was placed on hold ( as I was the first time on the XXXX ), and was told they would escalate the issue again. I'm concerned this company is harming other customers by not providing accurate payoff quotes, leaving consumers short on payoffs, and additional interest accruing on the accounts, making it harder for customers to get accounts paid off and resolved.
Consumer complaint received 2022-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (TX)

I have mailed and offered a settlement offer to the company to let them know I am experiencing financial hardship and am no longer able to afford the monthly payments. They have responded in writing indicating that they have received a request to stop contacting by mail or phone, which is not what the letter says, and to fax over the preferred communication. I faxed over my preferred communication style with a note indicating for them to mail financial hardship options and have yet to receive any. Given the nature of my employment, I am not able to communicate via telephone, hence, the writing communication.