davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. 

The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action. 

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : - 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 2020-06-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MD)

In the month of XXXX, I called the creditor XXXX to request a proof of balance, a contract that would make me liable for the debt, and as well as a 1099 for the balance. This was asked to get validation of the debt they claimed I owed them. In regards to the information I requested, they were unable to provide with any documentation I requested.
Consumer complaint received 2024-02-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (OR)

I'm trying to speak to someone at Flagstar Bank in order to address my inability to pay my line of credit. I am able to make my mortgage payment but the interest rate on the line of credit is so high the payment on the loan is more then the payment on my house. I can't continue to pay both. Either need to combine or re structure. I have recently seperated and now make large payments to my ex wife. The funds that go to her replace the funds used to pay the line of credit
Consumer complaint received 2020-06-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc. (GA)

I have reached to this company via certified letter after I discovered they placed an account on my credit. Apparently the account is for a debt that I do not own. I have health insurance and so does my wife. The allege debt is for {$1500.00} which is absurd- they have the incorrect person and I was never informed about the debt before they placed it on my credit. They have also contacted my employer.
Consumer complaint received 2016-07-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (TN)

I was charged 30 % interest for a car loan. The car value was XXXX. I will pay XXXX for the car in total. I was never told I could lower the interest rate and the payments have been extended by 8 months. I would like to finish paying for the car now. they have gotten more money then the car XXXX is worth. This is unfair predatory lending. This is unfair consumer practices
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (CA)

I am a victim of identity theft and have enclosed a copy of my FTC /identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

You are in violation for reporting Inaccurate, incomplete, or unverifiable information. 

This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. the information does not relate to any transactions that I have made ; therefore ; I am writing to request that you place an immediate block on the fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
By law you can not decline or rescind this request because : The block or request by the me ( the consumer ) is not in error Was not requested on the basis of a material misrepresentation of fact by me ( the consumer ) I did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. / 15 USC Code 1681 c-2
Consumer complaint received 2024-03-11
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southern Management Systems Inc. (FL)

Over the past few months ive been trying to settle a situation with this company. They are rude and talk agressive over the phone and when i ask to speak with a manager or supervisor they hangup in my face and keep sending me to XXXX XXXX. on XX/XX/year> i spoke with with XXXX to settle this debt and i gave him permission to speak with someone and he refused then he started getting hostile because someone was assisting me and proceeded to hangup.
Consumer complaint received 2024-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEAD MERCANTILE CO., INC. (MS)

XXXX XXXX XXXX XXXX i received treatment from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am 100 % XXXX XXXX  and before I could receive treatment, the VA representative had to approve and sign off on treatment. The hospital decided to send the bill to my name and when I explained it needs to be sent to the XXXX said its not their job. Then sent it to the SOS Group and for over XXXX years, with multiple calls with a VA rep and the SOS collections explaining I, the veteran am not responsible for the debt. The agency refused to bill the VA and the hospital said they didnt own the debt anymore. I received receipts from the XXXX  XXXX XXXX  for payment and the collections agency is refusing to remove the debt but continue to tell me I can pay them directly. I was also told I needed to take a manners class and I was yelling ( I had a ventilator and lost all loud speaking abilities-so I in fact, was not or able to yell. ) The collections agency refused to call me back and told me its not their problem about my credit. I asked to submit proof of payment and they would not allow me to. They also called me back to ask why I keep disputing their collection on my credit and they said we can not verify you dont own this debt. I repeatedly said they did know this when we had multiple calls with the VA rep and they said very plainly that I, XXXX XXXX ( previously XXXX XXXX during services ) am not responsible for paying them. The collection agency told me again, I could pay them although the debt has been paid and I have receipts but refuse to accept them or remove the collection.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Monterey Financial Services LLC (FL)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : MONTEREY COLLECTION SVCS Account number : XXXX
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CO)

Commencing on or about XX/XX/2023, I fell victim to several multi-layered scam operations run by XXXXXXXX XXXX using the domain name XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.
Consumer complaint received 2024-03-11
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Source Receivables Management LLC (MI)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802. My personal and financial information is still on display for the public to see.I want my personal and financial information to stay private and not violate the privacy act of 1974. Only the business that gave me credit, how much credit, and when credit was given should be the only information on public display. I have opted out this all creditors so the information you are showing is stolen identity, which you have 4 business days to remove. 
The company ignored my request over the phone at the number I'm supposed to call to stand in my rights. The number I called was XXXX
Consumer complaint received 2024-03-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

I applied for a Best Buy Credit Card to purchase a TV and Soundbox. I was under the impression that I would be getting a one-year card with no interest. I had the money to buy the TV, but I wanted to keep my money. 

I am still waiting to receive the credit card, and I am still determining what information is on the card because I never received the card. I am able to login to the Best Buy site and see the order and return. However, I can not get to the credit card site because I don't have a card. 

I ordered a XXXX XXXX and a sound box the first week of XX/XX/year>. The sound bar was shipped, but the TV was to be delivered and set up by the XXXX XXXX. XXXX was scheduled for XX/XX/XXXX. Best Buy XXXX XXXX arrived and tried to install the TV, but the TV would not connect. They spent over an hour trying to get the TV to connect. They determined it was best that they take the TV back. I asked if I needed to follow them back to the store, and they said yes. When I arrived at the store, the customer service center stated it would be 24 hours before they could credit the TV to my account. So, I was told I would need to wait. I decided I would not purchase another TV and took the sound bar back the following Monday. Best Buy is stating I owe them {$100.00} plus interest. They need to find out what the charge is for. They continue to harass me with mail, email, text, and cell phone calls. Every time I call, they tell me it is under investigation, but they keep harassing me. I have nothing in my home from Best Buy, and I want the balance credited and the credit card canceled. I will never do business with Best Buy again.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries currently showing and listed on my Chex Systems Consumer Report ID : XXXX is fraudulent inquiries and not my inquiries : XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2020-06-30
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. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2018-01-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

on XX/XX/XXXX I had my 2 PayPal accounts permanently limited. I was told via email that I will be able to withdraw my funds in 180 days which is an exceptionally long time. I was also told I will receive an email when it was available. 

I appealed this decision and it was denied by PayPal on XX/XX/XXXX and again I was told that I would receive an email within 180 when my money was available. 

I never received an email after that and it has been far more than 180 days. I tried to withdraw my money this week in both accounts and PayPal would not let me, saying there is a problem with my account. 

One account has {$23.00} and the other account has {$360.00}
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (AL)

I finance a car in XXXX with Hyundai Motor Finance and paid off the loan in full in XXXX. I never received a lien release at that time and thought it would be sent, but it never was. Now I would like to trade in the vehicle but there is still a lien on it. I contacted the company last week, and they said they would send a lien release, but I still have not received it. I called again this morning and they said their computers were down and could not do anything. The Title services section of their website does not function. This situation is blocking me getting my new tag/title for the transaction involving the trade in.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MI)

Innovis continues to report incorrect information on my consumer report. My name is XXXX XXXX my address is po box XXXX XXXX XXXX MI XXXX there should me no other information on my report it is incorrect and should be deleted immediately.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and will now cost me time and money ( to freeze my credit with multiple bureaus ). Further, it will continue to soak my time and money by requiring me to unfreeze reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: AppFolio, Inc. (IL)

I am writing to formally dispute the presence of an eviction on my credit file, as reported by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2, a consumer reporting agency is obligated to block the reporting of any information resulting from alleged identity theft upon the consumer 's identification of such information. 

On XX/XX/2023, I identified the eviction account listed on my credit file as a result of identity theft. Despite my identification of this account and the legal requirement outlined in the FCRA, the eviction remains on my credit file. As per the aforementioned statute, consumer reporting agencies are mandated to block such information not later than four business days after receipt of the consumer 's identification of identity theft-related information. 

By failing to comply with the FCRA and blocking the reporting of the eviction resulting from identity theft, your agency is in direct violation of federal law. I hereby request that you promptly investigate this matter and take the necessary steps to rectify the situation by removing the eviction from my credit file. 

Additionally, please provide written confirmation of the actions taken to resolve this dispute, as well as any documentation supporting the removal of the eviction from my credit file. 

Thank you for your attention to this matter. I expect a timely response in accordance with the provisions of the FCRA.
Consumer complaint received 2024-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC (NJ)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (IN)

I have not been served with notice for mediation per IN Code 33-34-3-8, I was not served via certified mail per Indiana law, and Plaintiff has not satisfied necessary foreclosure prerequisites, causing a foreclosure sale to be scheduled for XX/XX/2024. I have requested loss mitigation documents to proceed with loan modification efforts on numerous occassions. Freedom Mortgage has refused to address my requests. This is a direct violation of CFPB rule 1024.41. I have been trying to resolve the foreclosure issue with Freedom Mortgage, but they continue to proceed with foreclosure and have set the XXXX sale date.
Consumer complaint received 2024-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (MI)

I went to the XXXX department and at that time I had insurance and was checked by the front desk the attached file will reflect this. I do not understand why they sent me suddenly a letter from a credit collector. 
I am already paying another bill in XXXX XXXX for the emergency physicians which is XXXX dollars per month and it is unfair to me. I am the only earning member of my family, still in school, a total family of XXXX. 

Thank You
Consumer complaint received 2024-03-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

On XX/XX/2022 I opened a dispute with XXXX Credit Bureau with dispute number XXXX and on XX/XX/2022 I received notice that the report was completed and closed. Upon speaking with XXXX to request proof of debt validation I was advised that XXXX and Columbia Debt Recovery use a code system to communicate with each other and the code sent back by Columbia Debt Recovery to close the dispute was this : Account previously in dispute investigation complete, reported by date furnisher. 

This information is inaccurate as I have never disputed the validation of this debt with Columbia Debt Recovery in the past nor signed any contracts with them stating I owe them any money. In addition to failing to validate the debt they provided false, deceptive and misleading information to close down the dispute which is now reflected on my credit report. As a result, I can not obtain an apartment or home to rent under my name.