davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (FL)

I sent out a Debt Validation letter to Dynamic Recovery Solutions for a medical collection on XX/XX/XXXX. After I sent out the Debt Validation letter I then received a letter on XX/XX/XXXX from Dynamic Recovery Solutions which failed to validate my debt. Instead they send a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

I was corresponding to my attorney via email and I did not realize that her email was hacked. Someone was impersonating her and requesting that I made payments on my account. I offered to send a check out with the full balance of my account and they said they preferred that I wire the money instead. Thinking that this was my attorney making the request, I offered to send payment through Zelle and they gave me an email of someone who I thought was an accountant at the law firm. I sent two payments through Zelle. One for {$500.00} on XX/XX/ and another for {$460.00} on XX/XX/XXXX  I called my attorney to confirm the payments and she did not have any idea about the payments, she never requested that I make any payments. It was at this point that we both realized her email was hacked and I was scammed. I called my bank ( XXXX ) and they told me that they could not do anything about it.
Consumer complaint received 2022-07-15
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. (IL)

XXXX XXXX XXXX  Acoount # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX These items are in violation of 5 USC 1681 Section 602 A right to privacy 15 USC 1681 Section 604 sec. 2 written consent
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/18 I submitted an online application for a XXXX XXXX store credit card through XXXX XXXX. I was told by XXXX XXXXXXXX customer support that I would get an immediate response on line, either approved or denied. With the online approval, I would get a card number that I would then be able to use today to make an online purchase with their promotional rate, even though I would not get the physical card for 7-10 days. I submitted the application and got a prompt to call XXXX XXXX as they needed additional information. When I called, they completed the application and approved me for a {$4500.00} credit line. However, since the approval was not on line and the application was technically completed by a live person, all they could issue me was a reference number. As such, I could not access this card to make my purchase. Synchrony failed to disclose that this added step would result in my not getting a usable credit card number today. I no longer need this card, yet a credit check was done! I intend to cancel this card but can not for at least 3 days, as per the bank! this is an outrageous abuse and misrepresentation. Synchrony and XXXX XXXX have mislead what would have been a loyal customer. I do not have an account number, as mentioned previously, as I have to wait 7-10 business days to get the actual card.
Consumer complaint received 2022-07-15
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. (NM)

In accordance to the Fair Credit Reporting act, these accounts have violated my rights XXXX XXXX information is inaccurate XXXX XXXX XXXXXXXX information is inaccurate XXXX XXXX XXXXXXXX Date Last Active is inaccurate XXXXXXXX XXXX XXXXXXXX information is inaccurate XXXX XXXX XXXXXXXX information is inaccurate 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 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (AL)

Subject : Urgent Address Regarding Violations of Federal Law - 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2 Dear Navy Federal Credit Union , I trust this letter finds you well. I am writing to bring to your attention potential violations of federal law codes, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. Upon careful examination, concerns have arisen regarding compliance with these codes, particularly related to the verification of billing statement receipt and accuracy of reported information.

Under 15 U.S.C. 1666 ( b ), creditors are required to adopt reasonable procedures for verifying the receipt of billing statements. The absence of a robust system for confirming receipt, whether paper or electronic, may constitute a violation. Additionally, 15 U.S.C. 1611 ( 1 ) prohibits furnishing false or inaccurate information, raising questions about the accuracy of reported information, especially regarding late payments.

The gravity of potential violations under 15 U.S. Code 1681n, addressing willful non-compliance with federal law, is emphasized. Regardless of prior awareness, addressing any breaches of consumer rights is crucial. Attention is also drawn to 15 U.S. Code 1681s-2, which requires furnishers of information to provide accurate and complete information to consumer reporting agencies. 

I kindly request that you promptly review and address this matter. If violations are found, I urge Navy Federal Credit Union to take corrective action, including updating my account status to paid as agreed to rectify any potential adverse impact on my credit history. Ensuring my credit report accurately reflects payment history is crucial, and I trust you will consider this matter with fairness and urgency. 

Your immediate attention to this request is of utmost importance, and I anticipate your cooperation in resolving this matter promptly. 

Done in good faith.
Consumer complaint received 2022-07-15
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MS)

I currently have no income, and I am having to borrow money from family members to pay my mortgage. I informed Loancare and applied for a loan modification but was denied. This company continues to call my phone with an automated voice recording to tell me to call them back on the very same number ( which makes no sense ). Why would you call me just to have a robot tell me to call back? Why even call in the first place if you don't have time to talk? I believe they are only doing this to make it seem as if they have attempted the reach the homeowner, but THEY ARE NOT. They are only having robots to call us. And when I call back, I'm put on hold ( by the robot ) forver until I finally decide to hang up. This is my THIRD complaint about them!! Just go back and review my previous compliants and also read Loancare 's reviews. 

They changed their name to XXXX to try and escape their horribile reviews but didn't bother trying to change their reupation and how they treat homeowners!
Consumer complaint received 2022-07-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2024-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC (TX)

Hello I XXXX XXXX, I am reaching out to express my profound concern and to formally dispute an egregious error pertaining to my mortgage account managed by Planet Home Lending. It has come to my attention that property taxes for an entirely unrelated property at XXXX XXXX XXXX, XXXX  XXXX, have been erroneously included in the escrow calculations for my mortgage on my residence at XXXX XXXX XXXX, XXXX, TX XXXX. 

This mistake has not only led to a significant and unaffordable increase in my monthly mortgage payment but also presents a clear lapse in the fiduciary duties owed to me as your client. I have never been late on a payment, yet I am now facing undue financial hardship and stress due to this oversight. It is deeply troubling that instead of rectifying this error, I have been advised to consider a loan modification for a situation caused by negligence on the part of Planet Home Lending. 

I am requesting an immediate and thorough investigation into this matter, followed by the appropriate adjustment to my escrow account to reflect only the property taxes for my actual homestead residence at XXXX XXXX XXXX. The suggestion of a loan modification under these circumstances is not only unacceptable but also adds insult to injury, considering the issue at hand stems from an error for which I bear no responsibility. 

To facilitate a swift resolution, I am prepared to provide all necessary documentation upon request. Your prompt attention to this matter is crucial to me, and I expect a detailed response outlining the steps Planet Home Lending will take to correct this error and adjust my mortgage payments back to their rightful amount, excluding the incorrect property tax charges. 

I trust that Planet Home Lending values its customers and will uphold its duty to correct this significant error without further delay. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion XXXX XXXX XXXX XXXX, PA XXXX This company is reporting a inaccurate debt collection " XXXX XXXX located at XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX Acct # XXXX past due balance {$370.00} XXXX XXXX. 

I have sent multiple certified letters to this company requesting a contract with my signature on it relating to this collection. They have been unsuccessful in supplying me with any original documentation of any sort and still the collection remains on my report as accurate and verified. I have indicated that I do not know this company, I have never done any business with this company. This company does not have a contract with my signature. XXXX credit Bureau completed a reinvestigation that resulted in the collection being removed. I also sent the XXXX notification to the above company, No results.
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (MI)

In XXXX, my card was suddenly not working. The company said that It was lost or stolen. Which I never reported. I have requested a new card 3 times and never received. Received an annual fee and inquired. The account was closed without my confirmation and they want a annual fee.
Consumer complaint received 2022-07-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ark-La-Tex Financial Services, LLC (FL)

I have requested several occasions to have my PMI removed. They will not appraise my property or remove the PMI. This is the last email I sent Benchmark Mortgage. 

" I AM IN RECEIPT OF YOUR LETTER DATED XXXX. I DISAGREE WITH YOUR DETERMINATION. I HAVE INVESTED OVER {$300000.00} IN IMPROVEMENTS IN THE PROPERTY. ALSO, THE PROPERTY HAS OVER DOUBLED IN VALUE SINCE MY PURCHASE IN XXXX. I DEMAND A REVIEW AND AN APPRAISAL AT MY EXPENSE TO RELIEVE ME OF THE MORTGAGE INSURANCE. IF RELIEF IS NOT GRANTED, I WILL PROCEED WITH LEGAL ACTION ALONG WITH CONTACTING THE PROPER GOVERNMENT AGENCIES TO SEEK RELIEF. PLEASE FORWARD THIS EMAIL TO YOUR LEGAL DEPARTMENT. '' Thank you,
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WY)

ON THE XXXXXXXX XXXX XXXXXX/XX/2023 I WROTE EXPERIAN TO INFORM OF THE MULTIPLE LAWS THEY WERE VIOLATING REGARDING MY CONSUMER REPORT. I ADVISED OF THE VIOLATION TO MY PRIVACY 15 USC 1681 AND THAT I NEVER GAVE EXPERIAN ANY VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. I DO NOT HAVE TO CONTRACT WITH ANY THIRD PARTY COMPANY. I REQUESTED IF THERE WERE ANY CONTRACT BETWEEN ME AND EXPERIAN TO PRODUCE IT IN 30 DAYS AND THEY HAVE NOT. I REQUESTED IF THEY COULD NOT PROVIDE SUCH CONTRACT ALL RECORDS I DEMANDED BE REMOVED, THEY WERE NOT. 
12 USC 1028A AGGRAVATED IDENTITY THEFT. WHOEVER DURING AND IN RELATION TO ANY FELONY VIOLATION ENUMERATED IN SUBSECTION ( C ) KNOWINGLY TRANSFERS, POSSESSES OR USES WITHOUT LAWFUL AUTHORITY, A MEANS OF IDENTIFICATION OF ANOTHER PERSON SHALL, IN ADDITION TO THE PUNISHMENT PROVIDED FOR SUCH FELONY, BE SENTENCED TO A TERM OF IMPRISONMENT OF TWO YEARS.

15 USA 1681 PERMISSIBLE PURPOSES OF CONSUMER REPORTS- ANY CONSUMER CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( WITH WRITTEN INSTRUCTIONS TO THE CONSUMER TO WHOM IT RELATES ). I GAVE NO SUCH PERMISSION! AGAIN I REQUESTED IF SUCH CONTRACT OR PERMISSION WAS GRANTED TO PRODUCE, EXPERIAN DID NOT. 
15 USC 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION - A FINANCIAL INSTITUTION MAY NOT DIRECTLY OR THROUGH ANY AFFILIATE DISCLOSE TO A NONAFFILIATED THIRD PARTY ANY NON PUBLIC PERSONAL INFORMATION UNLESS SUCH FINANCIAL INSTITUTION PROVIDES OR HAS PROVIDED TO THE CONSUMER A NOTICE THAT COMPLIES WITH SECTION 6803. THEY DID NOT PROVIDE ANY NOTICE 15 USC 6802 CONTINUED COMPANIES DID NOT PROVIDE REQUIRED OPT OUT NOTICE.
Consumer complaint received 2022-07-15
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX  XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

XX/XX/ XXXX reports an old account to the 3 major credit bureaus as delinquent. This is inaccurate and unfair reporting. I've disputed this account several times and requested that they remove the account in accordance with Fair Reporting Act codes. 

XXXX had the nerve to delete the credit account but leave the inquiry on my consumer report after already admitting fault for the unidentifiable account. The inquiry is still showing after the account was remove due to identity theft. This has cause GREAT HARM and I am currently under Duress.