davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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: Experian Information Solutions Inc. (NY)

Following accounts are fraudulents : XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX All the inquires from : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX US SM BUS ADMIN ODA
Consumer complaint received 2015-09-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (NY)

My husband and I are paying XXXX of XXXX loans our daughter has with Discover Student loans. We send them the checks with letters of instructions and note the instructions on the checks - but they are applying the payments to another loan.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX I applied on line for a XXXX XXXX credit card which is qualified and furnished through Synchrony Bank. After two weeks of not hearing anything about my application I call Synchrony Bank and they told me I my application was denied. This is unusual since my credit score is XXXX. I was told by their agent on that call that after reviewing my file that nothing he was reading made sense (? ), but he would escalate the problem. Another two week 's go by and nothing. I called again, this time the agent said it was denied and I would get a letter. Now it is XX/XX/XXXX and still nothing, I call again. The agent said the card was denied and kept me on the line until he processed the denial letter and said I would have it in no more than 10 days. It is now XX/XX/XXXX and I have not received the denial letter. It is Synchrony Bank obligation to comply with the FCRA and provide me access to the report that was used in making this decision. If there is derogatory information out there about me, I have a right under the FCRA to be made aware.
Consumer complaint received 2015-12-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (NY)

Walmart was running a promotion on a credit card. Save {$35.00} when you open a card and use it for your first purchase. I applied and got granted the credit card and bought my first item on the same day. They are not honoring the promotion due to what they say " It is policy to use the promotion on the same day of opening the card. Due to the fact that your purchase was made on XXXX XXXX and payment was processed XXXX XXXX we cant apply the promotion ''. 

They wont honor the promotion even tho i opened the card at the time of checkout and used it to purchase an item on the same day because it took them 5 days to process the payment. The Item was ordered and Payed for using this new credit card On XXXX XXXX 2015, however they decided to process the payment on XXXX XXXX 2015.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 
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 2022-07-19
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)

I am a victim of identity theft and must continuously monitor my credit as there continues to be fraudulent accounts on my credit file. The fraudulent items are 2 XXXXXXXX accounts, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXXt and 2 XXXX XXXX accounts. These accounts were not authorized by me and are fraudulent.
Consumer complaint received 2021-10-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (AL)

I have been requesting a refund of the money paid for the secured loan to no avail. I paid the loan off in XXXX. I have sent them numerous documents all of which were requested by SELF. I can not speak to anyone via phone and the email system they have set up keeps sending me the same email requesting the same documents that were submitted previously.
Consumer complaint received 2021-11-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Concentric Receivables Management, Ltd. (TX)

I sent a debt validation letter to Concentric Receivables Management .I was sent copies of my personal health information and medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them ( Concentric Receivables Management ) ) to have this information.

I am attaching documents I sent Concentric Receivables Management and the documents I got in the mail today from them via certified mail # XXXX XXXX XXXX XXXX XXXX. 

Thank you XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX  XXXX Account Number : XXXX UNUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

THE AUTO LOAN WAS PAID OFF EARLY. MY VEHICLE WAS INVOLVED IN AN ACCIDENT, AS A RESULT THE VEHICLE WAS A TOTAL LOSS. MY INSURANCE COMPANY SENT A LUMP SUM PAYMENT TO WELLS FARGO BANK. THE LOAN BALANCE WAS OVER PAID. WELLS FARGO SENT ME THE MONEY OVER PAID BY MY INSURANCE COMPANY. MY LOAN WAS PAID OFF A YEAR IN ADVANCE IN FULL. 

WELLS FARGO PUT ON MY CREDIT REPORT A CHARGE OFF, DELIQUENT, COLLECTION AND A BALANCE CHARGE OFF. THERE WAS NO BALANCE OWNED AFTER THE LUMP SUM INSURANCE PAYMENT.
Consumer complaint received 2024-02-14
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. (MO)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2022, I consumer XXXX XXXX, I sent NAVY FEDERAL a cease and desist letter demanding NAVY FEDRAL send me an audit trail of this account. NAVY FEDERAL have failed to provide me with the necessary documents to be able to validate this alleged debt.
Consumer complaint received 2022-01-19
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: Rocket Mortgage, LLC (MO)

On XX/XX/XXXX I searched the web to find lenders to assisist in purchasing my home. I immediately get a call from Rocket Mortgage. I explained to them that I did not want a hard inquiry done because I had been improving my credit for the last 3-5 months, and could they just answer some questions. The phone call ended with an understanding that I would need to improve my XXXX XXXX. On XX/XX/XXXX get another call from a different agent from Rocket Mortgage. I explained that I had already discussed what I needed to accomplish with one of his co-workers/agents. I told him it was important for me not to have a hard inquiry done at this time. I even told him I would be very angry if he did a hard inquiry and would not be able to assist me. He continued to convince me into checking my credit report with smooth talk, after I told him repeatedly that I was sure that I would need to increase my credit score and the hard inquiry would hurt me at this time. He continued to convince me after I expressed to him continously and I gave in. Unfortunately, he could not help me and my credit score decreased immediately. I called the company to have it removed, because I felt I was persuaded to fit his needs and not mines after I repeatedly told him a hard inquiry would hurt me tremendously. His XXXX  and cunning tactics has set me back from my accomplishing my goals. I feel this company should remove this hard inquiry from my credit report immediately because he acted deceptively to get my permission to pull my credit report.
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (TX)

The assumed account was placed on my credit report from consumer adjustment co. The original creditor is XXXX XXXX XXXX XXXX XXXX. It was placed on my report on XX/XX/2021. I have no knowledge of this at all. I've had my identity compromised and had to file police report.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Dynamic Recovery Solutions, LLC (WA)

This debt it 10+ years old and they will not provide proof of the original debt. We mailed the cease of communication notice in XXXX 2015, it has been received by Dynamic Recovery Solutions and they are still contacting us by mail and phone. The latest letter I have is XXXX XXXX, 2015.
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (IL)

I received an escrow statement that showed my payment was going up XXXX per a month. I initiated my contact on XX/XX/XXXX with UWM and asked if my escrow shortage could be spread over 60 months to lower my payment My payment went up over XXXX percent, therefore, I am aware that the lender CAN spread the shortage up to 60 months, not 12 months as they did. 
The representative stated she would do so and in 3 business days I should have an answer along with an email that I was expecting Today is XX/XX/XXXX, I never received anything from the lender, so I call back again and speak with XXXX She told me that she sees this request, but the representative did NOTHING with my request besides notate my account Apparently this needs to be sent to the investor for approval I dont really believe this is true, I am now being told at least another 5 business days Nobody cares at customer services
Consumer complaint received 2022-01-19
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. (NJ)

XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXXXXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX  XXXX - hard inquires on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXXk - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021
Consumer complaint received 2016-05-25
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (LA)

The Bank XXXX XXXX New York XXXX was involved in a fraud crime against me. It did not hold my money against money transfer. These transfers were done under duress as I was not in my right mind and afraid of something happening to me or my daughter. I will provide a paper file with this complaint.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX charged my account off. I have not received a 1099-C from the company as this is now written off by XXXX and income for me to file on my personal federal taxes. This cancellation of debit is also against the FCRA 604 ( a ) ( 3 ), prohibiting personal income included on my credit report. The in accuracy of this information is causing undo harm to my finances. I have disputed this information with the company XXXX as well as the three major credit bureaus. Transunion, XXXX, XXXX.
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

Prestige Financial S Account # : XXXX Date Opened : XX/XX/2016 No Knowledge of this account. 
I have sent several letters I have asked the company to provide me with copies of the original contract. 

This is the final follow up to resolve this matter. It has been over 30 days since I have heard a response to my 3 attempted letters that has been sent along with a online complaint commission. 

This account needs further investigation and Original Signed Contract needs to be provided as requested.
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AZ)

This all started when I lost my income due a hardship. I heard about hope for homes and so I tired to apply via XXXX XXXX in XXXX Arizona, I uploaded all the the documents they ask you to submit then there is a application for you to get help from XXXX XXXX. This was XX/XX/XXXX on XX/XX/XXXX they tried to contact Usbank to get my mortgage information but of course the bank would not respond to their requests. So, I call Usbank the next morning to let them know that i was seeking payment assist via XXXX XXXX and I want them to cooperate with them. Usbank has a history of doing customers dirty at least me. I had to file a forbearance with them late XX/XX/XXXX till XXXX of XXXX I was XXXX  in an XXXX  and was out of work for a very long time with zero income coming in. First, I had to apply and prove that I had a hardship because I did not have Covid. They actually ran my credit for the application but did not run the credit of people who claimed to have Covid-19. To make a long story short, I wasn't all the way XXXX  when I attempted to go back to work so I could catch up on my bills. In the mean time I was sending USbank partial payments which they did not apply to my loan. I finally caught up had to pay XXXX dollars and soon as I didn't owe anymore USbank reported my account to the credit bureaus as delinquent. I was XXXX and very angry so I closed all my other accounts with them. XXXX ended up closing my case because US banks failure to respond even though I filled an authorization form out. Now, I have applied for the HAF program via XXXX housing and they are now waiting for a response for access to my account they sent over XX/XX/XXXX so they can start sending the payments. Meanwhile, USbank is sending me lots of threatening letters in the mail so I called them up today XX/XX/XXXX at XXXX XXXX and recorded the phone conversation of me asking is they got the request from housing. The lady said, yes we have it we are working on it ; I told her that I want you to accept the payments that housing is trying to send on my behalf that was the end of the conversation.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On this complaint listed is my FACTUALLY TRUE, VERIFIABLY VALID AND CORRECT CURRENT requisite reporting PERSONAL IDENTIFIERS. Please REMOVE ANY OTHER PERSONAL IDENTIFIERS not mentioned, requisite reported, and or NOT EXACTLY as I have above noted is most appropriate OR ELSE CERTIFICATE your right to report erroneously and or deficient of evident compliance of factual reporting particularly in relationship to mandatory perfect PROCESSES of lawful reporting and the mandatorily perfect and complete.
Consumer complaint received 2022-07-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc. (NV)

I would like to file a complaint against Credit Collections Services. They used a scare tactic to pay a debt and the representative told me that once paid, she would send a letter to the credit bureaus to have removed from reports. It has been over a year and I have yet to hav it removed. I have tried contacting Credit Collection Services numerous times about this and have been told that I was not told by one of their reps that the account would be deleted.I filed a complaint with XXXX 2 weeks ago and they still have not responded to that complaint.